0001096906-17-000576.txt : 20170825 0001096906-17-000576.hdr.sgml : 20170825 20170825165443 ACCESSION NUMBER: 0001096906-17-000576 CONFORMED SUBMISSION TYPE: 10-K/A PUBLIC DOCUMENT COUNT: 193 CONFORMED PERIOD OF REPORT: 20161231 FILED AS OF DATE: 20170825 DATE AS OF CHANGE: 20170825 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SECURITY NATIONAL FINANCIAL CORP CENTRAL INDEX KEY: 0000318673 STANDARD INDUSTRIAL CLASSIFICATION: FINANCE SERVICES [6199] IRS NUMBER: 870345941 STATE OF INCORPORATION: UT FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K/A SEC ACT: 1934 Act SEC FILE NUMBER: 000-09341 FILM NUMBER: 171052524 BUSINESS ADDRESS: STREET 1: PO BOX 57220 CITY: SALT LAKE CITY STATE: UT ZIP: 84157 BUSINESS PHONE: 8012641060 MAIL ADDRESS: STREET 1: PO BOX 57220 CITY: SALT LAKE CITY STATE: UT ZIP: 84157 FORMER COMPANY: FORMER CONFORMED NAME: SNL FINANCIAL CORP DATE OF NAME CHANGE: 19910401 10-K/A 1 security.htm 10KA1


UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

Form 10-K/A
Amendment No. 1

[X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 2016, 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 000-09341

SECURITY NATIONAL FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)

UTAH
87-0345941
(State or other jurisdiction of incorporation or organization)
(I.R.S. Employer Identification No.)

5300 South 360 West, Suite 250 Salt Lake City, Utah
84123
(Address of principal executive offices)
(Zip Code)
   
Registrant's telephone number, including area code:
(801) 264-1060

Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934: None

Securities registered pursuant to Section 12(g) of the Securities Exchange Act of 1934:

Title of each class
Name of each exchange on which registered
Class A common stock, $2.00 Par Value
NASDAQ National Market
Class C common stock, $2.00 Par Value
None

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

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

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

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

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. [ ]
 
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or smaller reporting company. See the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act. (Check one):

Large accelerated filer [  ]
Accelerated filer [  ]
 Nonaccelerated filer [  ]
  Smaller reporting company [X]
(Do not check if a smaller reporting company) 
   

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

As of June 30, 2016, the aggregate market value of the registrant's Class A common stock held by non-affiliates of the registrant was $22,000,000 based on the $4.66 closing sale price of the Class A common stock as reported on The Nasdaq National Market.

As of March 27, 2017, there were outstanding 13,820,079 shares of Class A common stock, $2.00 par value per share, and 1,901,624 shares of Class C common stock, $2.00 par value per share.

Documents Incorporated by Reference

None.

EXPLANATORY NOTE

Security National Financial Corporation ("the Company") is filing this Amendment No. 1 on Form 10-K/A (this "Form 10-K/A") to amend its Annual Report on Form 10-K for the year ended December 31, 2016, as originally filed with the Securities and Exchange Commission (the "SEC") on March 31, 2017 (the "Original Filing"), to restate its Consolidated Financial Statements and related disclosures as of December 31, 2016 and 2015 and for the years ended December 31, 2016, 2015 and 2014 (including the unaudited quarterly periods within 2016, 2015 and 2014). This Form 10-K/A also amends certain other items in the Original Filing, as listed in "Items Amended in This Filing" below.

Background and Effects of Restatement

Subsequent to the Original Filing, the Company identified errors relating to the application of accounting principles that related to its treatment of warehouse line repurchase agreements and its assessment of the tax valuation allowance, which is a component of the Company's deferred tax assets.  As disclosed in the Current Report on Form 8-K that was filed by the Company with the SEC on August 4, 2017, the Company's management and the Audit Committee of its Board of Directors determined, based on the preliminary results of an internal investigation, that the Company's consolidated and combined financial statements and related report of independent registered public accounting firm that audited the Company's Annual Report on Form 10-K for the year ended December 31, 2016, originally filed with the SEC on March 31, 2017, should no longer be relied upon as a result of these errors.

Along with restating its financial statements to correct the errors discussed above, the Company elected to record adjustments for certain immaterial accounting errors related to the periods covered in its Form 10-K/A.

Related financial information in this Form 10-K/A has been restated to reflect adjustments for the accounting errors related to the matters described above. For further details, see Note 21 "Correction of Errors." Restated quarterly information for each of the quarterly periods in the years ended December 31, 2016, 2015 and 2014 is set forth in Note 22 "Impact of Restatement Adjustments on Quarterly Financial Statements (unaudited)." Restated balances have been identified with the notation "As Restated" where appropriate and the terms "As Previously Reported" and "As Originally Reported" are used to refer to balances from the 2016 consolidated financial statements as reported in the Original Filing.

The Company has not filed amendments to any previously filed Quarterly Reports on Form 10-Q to restate financial information presented for the periods affected by the restatement. The Company believes that presenting amended and restated unaudited quarterly financial information in this Form 10-K/A allows the readers to review relevant data in a single presentation along with the revised evaluation of controls and procedures. Accordingly, investors should rely only on the financial information regarding the restated periods in this Form 10-K/A or in future filings with the SEC (as applicable), and not on any previously filed reports relating to those periods. The Company is concurrently filing Quarterly Reports on Form 10-Q/A for the quarterly period ended March 31, 2017, which will include disclosure of the effects of the restatement on the comparative March 31, 2016 quarterly period.

Items Amended in This Filing

For the convenience of the reader, this Amendment sets forth the information in the Original Filing, in its entirety, as such information is modified and superseded where necessary to reflect the restatement of the Company's consolidated financial statements as a result of the errors discussed above. References throughout this document to "Form 10-K" have been amended to "Form 10-K/A" where appropriate. Except as noted below, this Amendment does not affect any other parts of the Original Filing, nor does it reflect events occurring after the date of the Original Filing or amend or otherwise update any information in the Original Filing. The following Items have been amended as a result of the restatement:

- Part II, Item 6. Selected Financial Data
- Part II, Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations
- Part II, Item 7A.  Quantitative and Qualitative Disclosures about Market Risk
- Part II, Item 8. Financial Statements and Supplementary Data
- Part II, Item 9A. Controls and Procedures
- Part IV, Item 15. Exhibits and Financial Statement Schedules

In addition, in accordance with applicable SEC rules, this Amendment includes new certifications required by Rule 13a-14 under the Securities Exchange Act of 1934 ("Exchange Act") from the Company's Chief Executive Officer and Chief Financial Officer dated as of the date of filing of this Amendment. These certifications are filed as Exhibits 31.1, 31.2, 32.1 and 32.2.

Internal Control Consideration

The Company's management has reassessed its evaluation of the effectiveness of its internal control over financial reporting as of December 31, 2016. As a result of that reassessment, management identified additional material weaknesses that existed as of December 31, 2016.  For a description of the material weaknesses, see Part II, Item 9A. "Controls and Procedures."
1

Security National Financial Corporation
Form 10-K/A
For the Fiscal Year Ended December 31, 2016

TABLE OF CONTENTS

   
Page
Part I 
 
     
Item 1.
Business
3
     
Item 2.
Properties
10
     
Item 3.
Legal Proceedings
13
     
Item 4.
Mine Safety Disclosures
14
     
Part II 
 
     
Item 5.
Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities
15
     
Item 6.
Selected Financial Data
17
     
Item 7.
Management's Discussion and Analysis of Financial Condition and Results of Operations
17
     
Item 7A.
Quantitative and Qualitative Disclosures About Market Risk
30
     
Item 8.
Financial Statements and Supplementary Data
30
     
Item 9.
Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
101
     
Item 9A.
Controls and Procedures
101
     
Item 9B.
Other Information
102
     
Part III 
 
     
Item 10.
Directors, Executive Officers and Corporate Governance
103
     
Item 11.
Executive Compensation
107
     
Item 12.
Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters
118
     
Item 13.
Certain Relationships and Related Transactions, and Director Independence
119
     
Item 14.
Principal Accounting Fees and Services
119
     
Part IV 
 
     
Item 15.
Exhibits, Financial Statement Schedules
119

2

PART I

Item 1.  Business

Security National Financial Corporation (the "Company") operates in three main business segments: life insurance, cemetery and mortuary, and mortgages. The life insurance segment is engaged in the business of selling and servicing selected lines of life insurance, annuity products, and accident and health insurance. These products are marketed in 38 states through a commissioned sales force of independent licensed insurance agents who may also sell insurance products of other companies. The cemetery and mortuary segment consists of eight mortuaries and five cemeteries in the state of Utah and one cemetery in the state of California. The Company also engages in pre-need selling of funeral, cemetery, mortuary and cremation services through its Utah and California operations. Many of the insurance agents also sell pre-need funeral, cemetery and cremation services. The mortgage segment originates and underwrites or otherwise purchases residential and commercial loans for new construction, existing homes and other real estate projects. The mortgage segment operates through 170 retail and three wholesale offices in 28 states, and is an approved mortgage lender in several other states.

The Company's design and structure are that each business segment is related to the other business segments and contributes to the profitability of the other segments. The Company's cemetery and mortuary segment provides a level of public awareness that assists in the sales and marketing of insurance and pre-need cemetery and funeral products. The Company's insurance segment invests their assets (including, in part, pre-paid funeral products and services) in investments authorized by the respective insurance departments of their states of domicile. The Company also pursues growth through acquisitions. The Company's mortgage segment provides mortgage loans and other real estate investment opportunities.

The Company was organized as a holding company in 1979, when Security National Life Insurance Company ("Security National Life") became a wholly owned subsidiary of the Company and the former stockholders of Security National Life became stockholders of the Company. Security National Life was formed in 1965 and has acquired or purchased significant blocks of business which include Capital Investors Life Insurance Company (1994), Civil Service Employees Life Insurance Company (1995), Southern Security Life Insurance Company (1998), Menlo Life Insurance Company (1999), Acadian Life Insurance Company (2002), Paramount Security Life Insurance Company (2004), Memorial Insurance Company of America (2005), Capital Reserve Life Insurance Company (2007), Southern Security Life Insurance Company, Inc. (2008), North America Life Insurance Company (2011, 2015), Trans-Western Life Insurance Company (2012), Mothe Life Insurance Company (2012), DLE Life Insurance Company (2012), American Republic Insurance Company (2015) and First Guaranty Insurance Company (2016).

The cemetery and mortuary operations have also grown through the acquisition of other cemetery and mortuary companies. The cemetery and mortuary companies that the Company has acquired are Holladay Memorial Park, Inc. (1991), Cottonwood Mortuary, Inc. (1991) and Deseret Memorial, Inc. (1991).

In 1993, the Company formed SecurityNational Mortgage Company ("SecurityNational Mortgage") to originate and refinance residential mortgage loans. In 2012, the Company formed Green Street Mortgage Services, Inc. (now known as EverLEND Mortgage Company) ("EverLEND Mortgage") also to originate and refinance residential mortgage loans.

See Note 14 of the Notes to Consolidated Financial Statements for additional information regarding business segments of the Company.

Life Insurance

Products

The Company, through Security National Life, issues and distributes selected lines of life insurance and annuities. The Company's life insurance business includes funeral plans and interest-sensitive life insurance, as well as other traditional life, accident and health insurance products. The Company places specific marketing emphasis on funeral plans through pre-need planning. The Company's other insurance subsidiaries, First Guaranty Insurance Company ("First Guaranty"), Memorial Insurance Company of America ("Memorial Insurance"), Southern Security Life Insurance Company, Inc. ("Southern Security") and Trans-Western Life Insurance Company ("Trans-Western"), service and maintain policies that were purchased prior to their acquisition by Security National Life.
3

A funeral plan is a small face value life insurance policy that generally has face coverage of up to $25,000. The Company believes that funeral plans represent a marketing niche that has lower competition because most insurance companies do not offer similar coverage. The purpose of the funeral plan policy is to pay the costs and expenses incurred at the time of a person's death. On a per thousand-dollar cost of insurance basis, these policies can be more expensive to the policyholder than many types of non-burial insurance due to their low face amount, requiring the fixed cost of the policy administration to be distributed over a smaller policy size, and the simplified underwriting practices that result in higher mortality costs.

Markets and Distribution

The Company is licensed to sell insurance in 38 states. The Company, in marketing its life insurance products, seeks to locate, develop and service specific niche markets. The Company's funeral plan policies are sold primarily to persons who range in age from 45 to 85 and have low to moderate income. A majority of the Company's funeral plan premiums come from the states of Arkansas, California, Florida, Georgia, Louisiana, Mississippi, Missouri, Texas and Utah.

The Company sells its life insurance products through direct agents, brokers and independent licensed agents who may also sell insurance products of other companies. The commissions on life insurance products range from approximately 50% to 120% of first year premiums. In those cases, where the Company utilizes its direct agents in selling such policies, those agents customarily receive advances against future commissions.

In some instances, funeral plan insurance is marketed in conjunction with the Company's cemetery and mortuary sales force. When it is marketed by that group, the beneficiary is usually the Company's cemeteries and mortuaries. Thus, death benefits that become payable under the policy are paid to the Company's cemetery and mortuary subsidiaries to the extent of services performed and products purchased.

In marketing funeral plan insurance, the Company also seeks and obtains third-party endorsements from other cemeteries and mortuaries within its marketing areas. Typically, these cemeteries and mortuaries will provide letters of endorsement and may share in mailing and other lead-generating costs since these businesses are usually made the beneficiary of the policy. The following table summarizes the life insurance business for the five years ended December 31, 2016:

   
2016
       
2015
   
2014
   
2013
   
2012
     
Life Insurance                                      
Policy/Cert Count as of December 31
   
531,775
 
(2
)
   
509,058
     
497,933
     
498,228
     
502,978
 
(1
)
Insurance in force as of December 31 (omitted 000)
 
$
1,672,081
 
(2
)
 
$
2,862,803
   
$
2,763,496
   
$
2,828,470
   
$
2,913,419
 
(1
)
Premiums Collected (omitted 000)
 
$
65,220
 
(2
)
 
$
55,780
   
$
52,418
   
$
50,009
   
$
48,168
     

(1)
Includes coinsurance with Mothe Life Insurance Company and DLE Life Insurance Company.
(2)
Includes the acquisition of First Guaranty Insurance Company and the termination of the reinsurance assumed for Servicemembers' Group Life Insurance ("SGLI").

Underwriting

The factors considered in evaluating an application for ordinary life insurance coverage can include the applicant's age, occupation, general health and medical history. Upon receipt of a satisfactory (non-funeral plan insurance) application, which contains pertinent medical questions, the Company issues insurance based upon its medical limits and requirements subject to the following general non‑medical limits:

Age Nearest Birthday
 
Non‑Medical Limits
 
   
 0‑50
 
$
100,000
 
51‑up
 
Medical information
required (APS or exam)
 

When underwriting life insurance, the Company will sometimes issue policies with higher premium rates for substandard risks.

The Company's funeral plan insurance is written on a simplified medical application with underwriting requirements being a completed application, a phone inspection on the applicant, and a Medical Information Bureau inquiry. There are several underwriting classes in which an applicant can be placed.
4

Annuities

Products

The Company's annuity business includes single premium deferred annuities, flexible premium deferred annuities and immediate annuities. A single premium deferred annuity is a contract where the individual remits a sum of money to the Company, which is retained on deposit until such time as the individual may wish to annuitize or surrender the contract for cash. A flexible premium deferred annuity gives the contract holder the right to make premium payments of varying amounts or to make no further premium payments after his initial payment. These single and flexible premium deferred annuities can have initial surrender charges. The surrender charges act as a deterrent to individuals who may wish to prematurely surrender their annuity contracts. An immediate annuity is a contract in which the individual remits a sum of money to the Company in return for the Company's obligation to pay a series of payments on a periodic basis over a designated period of time, such as an individual's life, or for such other period as may be designated.

Annuities have guaranteed interest rates that range from 1% to 6.5% per annum. Rates above the guaranteed interest rate credited are periodically modified by the Board of Directors at their discretion. In order for the Company to realize a profit on an annuity product, the Company must maintain an interest rate spread between its investment income and the interest rate credited to the annuities. Commissions, issuance expenses and general and administrative expenses are deducted from this interest rate spread.

Markets and Distribution

The general market for the Company's annuities is middle to older age individuals. A major source of annuity sales come from direct agents and are sold in conjunction with other insurance sales. If an individual does not qualify for a funeral plan, the agent will often sell that individual an annuity to fund final expenses.

The following table summarizes the annuity business for the five years ended December 31, 2016:

   
2016
       
2015
   
2014
   
2013
   
2012
 
Annuities Policy/Cert Count as of December 31
   
21,364
 
(1
)
   
12,022
     
12,701
     
12,703
     
12,320
 
Deposits Collected (omitted 000)
 
$
11,019
 
(1
)
 
$
8,069
   
$
8,010
   
$
7,281
   
$
6,777
 
 
(1)
Includes the acquisition of First Guaranty Insurance Company.

Accident and Health

Products

With the acquisition of Capital Investors in 1994, the Company acquired a small block of accident and health policies. Since 1999, the Company has offered a low-cost comprehensive diver's accident policy that provides worldwide coverage for medical expense reimbursement in the event of a diving accident.

Markets and Distribution

The Company currently markets its diver's accident policies through the internet.

The following table summarizes the accident and health insurance business for the five years ended December 31, 2016:

   
2016
   
2015
   
2014
   
2013
   
2012
 
Accident and Health Policy/Cert Count as of December 31
   
4,761
     
5,185
     
5,838
     
6,451
     
7,291
 
Premiums Collected (omitted 000)
 
$
113
   
$
119
   
$
133
   
$
144
   
$
158
 

5

Reinsurance

The primary purpose of reinsurance is to enable an insurance company to issue an insurance policy in an amount larger than the risk the insurance company is willing to assume for itself. The insurance company remains obligated for the amounts reinsured (ceded) in the event the reinsurers do not meet their obligations.

The Company currently cedes and assumes certain risks with various authorized unaffiliated reinsurers pursuant to reinsurance treaties, which are generally renewed annually. The premiums paid by the Company are based on a number of factors, primarily including the age of the insured and the risk ceded to the reinsurer.

It is the Company's policy to retain no more than $100,000 of ordinary insurance per insured life, with the excess risk being reinsured. The total amount of life insurance reinsured by other companies as of December 31, 2016, was $65,040,000, which represents approximately 3.9% of the Company's life insurance in force on that date.

See "Management's Discussion and Analysis of Results of Operations and Financial Condition" and "Notes to Consolidated Financial Statements" for additional disclosure and discussion regarding reinsurance.

Investments

The investments that support the Company's life insurance and annuity obligations are determined by the investment committees of the Company's subsidiaries and ratified by the full Board of Directors of the respective subsidiaries. A significant portion of the Company's investments must meet statutory requirements governing the nature and quality of permitted investments by its insurance subsidiaries. The Company maintains a diversified investment portfolio consisting of common stocks, preferred stocks, municipal bonds, investment and non‑investment grade bonds, mortgage loans, real estate, short-term investments and other securities and investments.

See "Management's Discussion and Analysis of Results of Operations and Financial Condition" and "Notes to Consolidated Financial Statements" for additional disclosure and discussion regarding investments.

Cemetery and Mortuary

Products

Through its cemetery and mortuary operations, the Company markets a variety of products and services both on a pre-need basis (prior to death) and an at-need basis (at the time of death). The products include: plots, interment vaults, mausoleum crypts, markers, caskets, flowers and other death care related products. These services include: professional services of funeral directors, opening and closing of graves, use of chapels and viewing rooms, and use of automobiles and clothing. The Company has a mortuary at each of its cemeteries, other than Holladay Memorial Park and Singing Hills Memorial Park, and has four separate stand-alone mortuary facilities.

Markets and Distribution

The Company's pre‑need cemetery and mortuary sales are marketed to persons of all ages but are generally purchased by persons 45 years of age and older. The Company is limited in its geographic distribution of these products to areas lying within an approximate 20-mile radius of its mortuaries and cemeteries. The Company's at-need sales are similarly limited in geographic area.

The Company actively seeks to sell its cemetery and funeral products to customers on a pre‑need basis. The Company employs cemetery sales representatives on a commission basis to sell these products. Many of these pre-need cemetery and mortuary sales representatives are also licensed insurance salesmen and sell funeral plan insurance. In some instances, the Company's cemetery and mortuary facilities are the named beneficiaries of the funeral plan policies.

Potential customers are located via telephone sales prospecting, responses to letters mailed by the pre-planning consultants, newspaper inserts, referrals, and door-to-door canvassing. The Company trains its sales representatives and helps generate leads for them. 
6

Mortgage Loans

Products

The Company, through its wholly owned subsidiaries, SecurityNational Mortgage and EverLEND Mortgage, are active in the residential real estate market. SecurityNational Mortgage is approved by the U.S. Department of Housing and Urban Development (HUD), the Federal National Mortgage Association (Fannie Mae), and other secondary market investors, to originate a variety of residential mortgage loan products, which are subsequently sold to investors. EverLEND Mortgage is approved by the U.S. Department of Housing and Urban Development (HUD), and other secondary market investors, to originate a variety of residential mortgage loan products, which are subsequently sold to investors. The Company uses internal and external funding sources to fund mortgage loans.

Security National Life originates and funds commercial real estate loans, residential construction loans and land development loans for internal investment.

Markets and Distribution

The Company's residential mortgage lending services are marketed primarily to real estate brokers and some independent mortgage loan originators. The Company has a strong retail origination presence in the Utah, Florida, Nevada, and Texas markets in addition to three wholesale branch offices located in Florida, Texas and Utah, with sales representatives in these and other states. See "Management's Discussion and Analysis of Results of Operations and Financial Condition" and "Notes to Consolidated Financial Statements" for additional disclosure and discussion regarding mortgage loans.

Recent Acquisitions and Other Business Activities

Acquisition of First Guaranty Insurance Company

On July 11, 2016, the Company, through its wholly owned subsidiary, Security National Life, completed a stock purchase transaction with the shareholders of Reppond Holding Corporation, an Arkansas corporation ("Reppond Holding") and sole shareholder of First Guaranty Insurance Company, a Louisiana domestic stock legal reserve life insurance company ("First Guaranty"), to purchase all the outstanding shares of common stock of Reppond Holding. Under the terms of the stock purchase agreement, dated February 17, 2016, between Security Life and Reppond Holding, which was later amended on March 4 and 17, 2016, Security Life paid a total of $6,753,000 at the closing in consideration for the purchase of all the outstanding shares of stock of Reppond Holding from its shareholders.

Reinsurance Agreement with North America Life Insurance Company

On May 8, 2015, the Company, through its wholly owned subsidiary, Security National Life, signed a paid-up business offer under a coinsurance agreement that was effective December 1, 2010 to reinsure certain life insurance policies from North America Life Insurance Company ("North America Life"). Pursuant to the paid-up business offer, North America Life ceded and transferred to Security National Life all contractual obligations and risks under the coinsured policies. Security National Life paid a ceding commission to North America Life in the amount of $281,908. As a result of the ceding commission, North America Life transferred $8,900,282 of cash and $9,182,190 in statutory reserves, or liabilities, to Security National Life.

Reinsurance Agreement with American Republic Insurance Company

On February 11, 2015, the Company, through its wholly owned subsidiary, Security National Life, signed a coinsurance agreement to reinsure certain life insurance policies from American Republic Insurance Company ("American Republic").  The policies were previously reinsured by North America Life under a coinsurance agreement between World Insurance Company ("World Insurance") and North America Life that was entered into on July 22, 2009, which was subsequently commuted.  World Insurance was subsequently purchased by and merged into American Republic.  The current coinsurance agreement is now between Security National Life and American Republic and became effective on January 1, 2015.  As part of the coinsurance agreement, American Republic transferred all contractual obligations and risks to Security National Life and Security National Life took control of $15,004,771 of assets in a trust account held by Texas Capital Bank as the trustee. The assets have subsequently been moved to a trust account held by Zions Bank as the trustee.

Real Estate Development

The Company is capitalizing on the opportunity to develop commercial assets on its existing properties. The cost to acquire existing for-sale assets currently exceeds the replacement costs, thus creating the opportunity for development and redevelopment of the land the company currently owns. The Company has developed, or is in the process of developing assets that have an initial development cost exceeding $100,000,000.  The group plans to continue its development endeavors as the market demands.
7

Dry Creek at East Village Apartments

The construction of Dry Creek at East Village Apartments ("Dry Creek") was completed in December 2015.  The total project consists of 282 units and contains a mixture of one, two and three bedroom units.  It is located within close proximity to a transit hub and as of December 31, 2016, was 94% occupied.  Rental rates increased in the market by 9.8% over pro forma rents, and effective (achieved) rates net of concessions also increased.  Leasing remains strong and vacancy rates in the market remain below the long-term average.

As Dry Creek has matured in its leasing and operations, the management group has pushed to retain tenants and increase the resident experience. This optimism has seen great acceptance as Dry Creek continues to maintain longer term residents and management offers a Class A living experience in the suburban market of Salt Lake City. The Company continues to view Dry Creek as a long-term investment with strong upside potential in a growing market.

53rd Center Development

In 2015 the Company broke ground and commenced development on the first phase of its new corporate campus.  The anticipated project, comprising nearly 20 acres of land that is currently owned by the Company in the central valley of Salt Lake City, is envisioned to be a multi-year, phased development. At full development, the project will include nearly one million square-feet in six buildings, ranging from four to ten stories, and will be serviced by three parking structures with about 4,000 stalls.

The first phase of the project includes a building and a parking garage consisting of nearly 200,000 square feet of office and retail space with 748 parking stalls. This phase of the campus is expected to be completed in the third quarter of 2017.

Regulation

The Company's insurance subsidiaries are subject to comprehensive regulation in the jurisdictions in which they do business under statutes and regulations administered by state insurance commissioners. Such regulation relates to, among other things, prior approval of the acquisition of a controlling interest in an insurance company; standards of solvency which must be met and maintained; licensing of insurers and their agents; nature of and limitations on investments; deposits of securities for the benefit of policyholders; approval of policy forms and premium rates; periodic examinations of the affairs of insurance companies; annual and other reports required to be filed on the financial condition of insurers or for other purposes; and requirements regarding aggregate reserves for life policies and annuity contracts, policy claims, unearned premiums, and other matters. The Company's insurance subsidiaries are subject to this type of regulation in any state in which they are licensed to do business. Such regulation could involve additional costs, restrict operations or delay implementation of the Company's business plans.

The Company's life insurance subsidiaries are currently subject to regulation in Utah, Arkansas, Louisiana, Mississippi and Texas under insurance holding company legislation, and other states where applicable. Generally, intercompany transfers of assets and dividend payments from insurance subsidiaries are subject to prior notice of approval from the state insurance department, if they are deemed "extraordinary" under these statutes. The insurance subsidiaries are required, under state insurance laws, to file detailed annual reports with the supervisory agencies in each of the states in which they do business. Their business and accounts are also subject to examination by these agencies. The Texas Department of Banking also audits pre-need insurance policies that are issued in the state of Texas.  Pre-need policies are life and annuity products sold as the funding mechanism for funeral plans through funeral homes by Security National agents.  The Company is required to send the Texas Department of Banking an annual report that summarizes the number of policies in force and the face amount or death benefit for each policy.  This annual report also indicates the number of new policies issued for that year, all death claims paid that year, and all premiums received.

The Company's cemetery and mortuary subsidiaries are subject to the Federal Trade Commission's comprehensive funeral industry rules and to state regulations in the various states where such operations are domiciled. The morticians must be licensed by the respective state in which they provide their services. Similarly, the mortuaries and cemeteries are governed and licensed by state statutes and city ordinances in Utah and California. Reports are required to be kept on file on a yearly basis which include financial information concerning the number of spaces sold and, where applicable, funds provided to the Endowment Care Trust Fund. Licenses are issued annually on the basis of such reports. The cemeteries maintain city or county licenses where they conduct business.
8

The Company's mortgage subsidiaries are subject to the rules and regulations of the U.S. Department of Housing and Urban Development (HUD), and to various state licensing acts and regulations and the Consumer Financial Protection Bureau (CFPB). These regulations, among other things, specify minimum capital requirements, procedures for loan origination and underwriting, licensing of brokers and loan officers, quality review audits and the fees that can be charged to borrowers. Each year, the Company is required to have an audit completed for each mortgage subsidiary by an independent registered public accounting firm to verify compliance under some of these regulations. In addition to the government regulations, the Company must meet loan requirements, and underwriting guidelines of various investors who purchase the loans.

Income Taxes

The Company's insurance subsidiaries, Security National Life and First Guaranty, are taxed under the Life Insurance Company Tax Act of 1984. Under the act, life insurance companies are taxed at standard corporate rates on life insurance company taxable income. Life insurance company taxable income is gross income less general business deductions, reserves for future policyholder benefits (with modifications), and a small life insurance company deduction (up to 60% of life insurance company taxable income). The Company may be subject to the corporate Alternative Minimum Tax (AMT). Also, under the Tax Reform Act of 1986, distributions in excess of stockholders' surplus account or a significant decrease in life reserves will result in taxable income.

Security National Life and First Guaranty calculate their life insurance taxable income after establishing a provision representing a portion of the costs of acquisition of such life insurance business. The effect of the provision is that a certain percentage of the Company's premium income is characterized as deferred expenses and recognized over a five or ten-year period.

The Company's non‑life insurance company subsidiaries are taxed in general under the regular corporate tax provisions. The following subsidiaries are regulated as life insurance companies but do not meet the Internal Revenue Code definition of a life insurance company so are taxed as insurance companies other than life insurance companies: Memorial Insurance, Southern Security and Trans-Western.

Competition

The life insurance industry is highly competitive. There are approximately 2,000 legal reserve life insurance companies in business in the United States. These insurance companies differentiate themselves through marketing techniques, product features, price and customer service. The Company's insurance subsidiaries compete with a large number of insurance companies, many of which have greater financial resources, a longer business history, and more diversified line of insurance products than the Company. In addition, such companies generally have a larger sales force. Further, the Company competes with mutual insurance companies which may have a competitive advantage because all profits accrue to policyholders. Because the Company is smaller by industry standards and lacks broad diversification of risk, it may be more vulnerable to losses than larger, better-established companies. The Company believes that its policies and rates for the markets it serves are generally competitive.

The cemetery and mortuary industry is also highly competitive. In the Utah and California markets where the Company competes, there are a number of cemeteries and mortuaries which have longer business histories, more established positions in the community, and stronger financial positions than the Company. In addition, some of the cemeteries with which the Company must compete for sales are owned by municipalities and, as a result, can offer lower prices than can the Company. The Company bears the cost of a pre‑need sales program that is not incurred by those competitors which do not have a pre‑need sales force. The Company believes that its products and prices are generally competitive with those in the industry.

The mortgage industry is highly competitive with a large number of mortgage companies and banks in the same geographic area in which the Company is operating. The mortgage industry in general is sensitive to changes in interest rates and the refinancing market is particularly vulnerable to changes in interest rates.

Employees

As of December 31, 2016, the Company had 1,393 full-time and 264 part-time employees.
9

Item 2.  Properties

The following table sets forth the location of the Company's office facilities and certain other information relating to these properties.
Street
 
City
State
Function
Owned Leased
 
Approximate
Square
Footage
   
Lease
Amount
 
Expiration
 
5300 S. 360 W.  
Salt Lake City
UT
Corporate Headquarters
Owned
   
36,000
                   
N/A
 
5201 S. Green Street
 
Salt Lake City
UT
Mortgage Operations
Owned
   
36,899
                   
N/A
 
1044 River Oaks Dr.
 
Flowood
MS
Insurance Operations
Owned
   
21,521
                   
N/A
 
5239 Greenpine Dr.
 
Murray
UT
Funeral Service Operations
Owned
   
1,642
                   
N/A
 
351 N. 3rd St.
 
Ashdown
AR
Insurance Operations
Leased
   
4,200
   
$
1,757
     
/
 
mo
 
7/12/2017
 
497-A Sutton Bridge Rd.
 
Rainbow City
AL
Fast Funding Operations
Leased
   
5,500
   
$
33,600
     
/
 
yr
 
6/30/2018
 
9700 Stirling Rd., Suite 110
 
Cooper City
FL
Fast Funding Operations
Leased
   
1,018
   
$
63,600
     
/
 
yr
 
month to month
 
3515 Pelham Rd., Suite 200
 
Greenville
SC
Fast Funding Operations
Leased
   
4,000
   
$
4,643
     
/
 
mo
 
5/31/2018
 
2567 Mall Rd.
 
Florence
AL
Mortgage Sales
Sub-Leased
   
1,600
   
$
750
     
/
 
mo
 
month to month
 
16427 North Scottsdale Road
 
Scottsdale
AZ
Mortgage Sales
Leased
   
3,966
   
$
10,246
     
/
 
mo
 
2/29/2020
 
17015 N. Scottsdale Rd., Suite 125
 
Scottsdale
AZ
Mortgage Sales
Leased
   
6,070
   
$
13,025
     
/
 
mo
 
3/31/2017
 
17015 N. Scottsdale Rd., Suite 210
 
Scottsdale
AZ
Mortgage Sales
Leased
   
2,906
   
$
6,054
     
/
 
mo
 
3/31/2017
 
17015 N. Scottsdale Rd., Suite 340
 
Scottsdale
AZ
Mortgage Sales
Leased
   
1,900
   
$
3,958
     
/
 
mo
 
1/31/2019
 
8600 East Anderson Drive, Suite 240
 
Scottsdale
AZ
Mortgage Sales
Leased
   
3,756
   
$
8,138
     
/
 
mo
 
10/31/2019
 
1819 S. Dobson
 
Mesa
AZ
Mortgage Sales
Leased
   
2,397
   
$
1,381
     
/
 
mo
 
4/30/2017
 
5701 Talavi Blvd. Suite 155
 
Glendale
AZ
Mortgage Sales
Leased
   
2,214
   
$
4,428
     
/
 
mo
 
month to month
 
6751 N. Sunset Blvd.
 
Glendale
AZ
Mortgage Sales
Leased
   
3,431
   
$
6,576
     
/
 
mo
 
6/30/2018
 
2450 S. Gilbert Rd.
 
Chandler
AZ
Mortgage Sales
Leased
   
6,306
   
$
10,247
     
/
 
mo
 
2/28/2019
 
3100 W. Ray Rd.
 
Chandler
AZ
Mortgage Sales
Leased
   
1,000
   
$
949
     
/
 
mo
 
month to month
 
3435 South Demaree
 
Visalia
CA
Mortgage Sales
Leased
   
1,740
   
$
2,175
     
/
 
mo
 
4/30/2019
 
2333 San Ramon Vallue Blvd.
 
San Ramon
CA
Mortgage Sales
Leased
   
1,563
   
$
3,908
     
/
 
mo
 
5/30/2019
 
923 East Valley Blvd.
 
San Gabriel
CA
Mortgage Sales
Leased
   
820
   
$
1,400
     
/
 
mo
 
8/31/2017
 
3005 Douglas Blvd., Suite 100
 
Roseville
CA
Mortgage Sales
Leased
   
3,722
   
$
7,406
     
/
 
mo
 
4/14/2018
 
140 Gregory Lane
 
Pleasant Hill
CA
Mortgage Sales
Leased
   
3,125
   
$
3,244
     
/
 
mo
 
1/31/2019
 
140 Lake Ave., Suite 305
 
Pasadena
CA
Mortgage Sales
Leased
   
1,105
   
$
3,244
     
/
 
mo
 
3/31/2017
 
765 The City Dr., Suite 360
 
Orange
CA
Mortgage Sales
Leased
   
3,886
   
$
8,451
     
/
 
mo
 
8/31/2017
 
18625 Suter Blvd., Suite 300
 
Morgan Hill
CA
Mortgage Sales
Leased
   
2,255
   
$
2,660
     
/
 
mo
 
6/30/2018
 
750 University Ave.
 
Los Gatos
CA
Mortgage Sales
Leased
   
2,137
   
$
9,018
     
/
 
mo
 
4/30/2018
 
3643 East 4th Street, Suite A
 
Long Beach
CA
Mortgage Sales
Leased
   
1,250
   
$
2,060
     
/
 
mo
 
10/31/2017
 
3908 Hathaway Ave.
 
Long Beach
CA
Mortgage Sales
Leased
   
200
   
$
100
     
/
 
mo
 
month to month
 
13191 Crossroads Parkway
 
City of Ind.
CA
Mortgage Sales
Leased
   
2,569
   
$
5,954
     
/
 
mo
 
7/31/2020
 
5650 El Camino Real
 
Carlsbad
CA
Mortgage Sales
Leased
   
1,739
   
$
2,956
     
/
 
mo
 
10/31/2017
 
7100 E. Bellview Ave., Suite 301
 
Greenwood Village
CO
Mortgage Sales
Leased
   
2,549
   
$
2,929
     
/
 
mo
 
month to month
 
8480 E. Orchard Rd.
 
Greenwood Village
CO
Mortgage Sales
Leased
   
4,631
   
$
9,647
     
/
 
mo
 
2/28/2018
 
1120 West 122nd Ave.
 
Denver
CO
Mortgage Sales
Leased
   
5,238
   
$
5,250
     
/
 
mo
 
10/31/2021
 
14502 N. Dale Mabry Highway
 
Tampa
FL
Mortgage Sales
Leased
   
250
   
$
550
     
/
 
mo
 
month to month
 
4023 Armenia Ave.
 
Tampa
FL
Mortgage Sales
Leased
   
1,563
   
$
1,865
     
/
 
mo
 
4/30/2019
 
35190 US Highway N.
 
Palm
FL
Mortgage Sales
Leased
   
1,982
   
$
2,945
     
/
 
mo
 
2/28/2018
 
17 N. Summerlin Ave.
 
Orlando
FL
Mortgage Sales
Leased
   
1,400
   
$
3,328
     
/
 
mo
 
11/30/2018
 
5222 Andrus Ave.
 
Orlando
FL
Mortgage Sales
Leased
   
1,450
   
$
1,716
     
/
 
mo
 
12/31/2017
 
7575 Dr. Phillips Blvd., Suite 270
 
Orlando
FL
Mortgage Sales
Leased
   
1,844
   
$
5,292
     
/
 
mo
 
3/31/2018
 
3689 Tampa Rd.
 
Oldsmar
FL
Mortgage Sales
Leased
   
5,620
   
$
6,720
     
/
 
mo
 
3/31/2018
 
4947 Tamiami Trail N.
 
Naples
FL
Mortgage Sales
Leased
   
1,168
   
$
1,303
     
/
 
mo
 
11/30/2018
 
4732 US Highway 98 North
 
Lakeland
FL
Mortgage Sales
Leased
   
1,250
   
$
1,070
     
/
 
mo
 
5/30/2017
 
1145 TownPark Ave., Suite 2215
 
Lake Mary
FL
Mortgage Sales
Leased
   
9,390
   
$
14,775
     
/
 
mo
 
3/1/2020
 
1525 International Parkway
 
Lake Mary
FL
Mortgage Sales
Leased
   
2,862
   
$
5,128
     
/
 
mo
 
10/31/2019
 
4575 Via Royal, Suite 100
 
Ft Myers
FL
Mortgage Sales
Sub-Leased
   
2,631
   
$
500
     
/
 
mo
 
month to month
 
2500 N. Military Trail
 
Boca Raton
FL
Mortgage Sales
Leased
   
2,453
   
$
4,500
     
/
 
mo
 
7/14/2017
 
3030 McEver Rd.
 
Gainsville
GA
Mortgage Sales
Leased
   
300
   
$
839
     
/
 
mo
 
month to month
 
2250 Satellite Blvd.
 
Duluth
GA
Mortgage Sales
Leased
   
1,380
   
$
1,553
     
/
 
mo
 
1/31/2017
 
4520 Kuhui St.
 
Kapaa
HI
Mortgage Sales
Leased
   
750
   
$
1,025
     
/
 
mo
 
month to month
 
12 W. Main St.
 
Rexburg
ID
Mortgage Sales
Leased
   
800
   
$
800
     
/
 
mo
 
9/30/2017
 
9042 W. Barnes Dr.
 
Boise
ID
Mortgage Sales
Leased
   
1,568
   
$
2,090
     
/
 
mo
 
10/31/2018
 
7227 West Madison St.
 
Forest Park
IL
Mortgage Sales
Leased
   
1,800
   
$
2,100
     
/
 
mo
 
6/30/2017
 
30700 Telegraph Rd.
 
Bingham Farms
MI
Mortgage Sales
Leased
   
1,099
   
$
1,374
     
/
 
mo
 
3/31/2019
 
108 Sikes Place
 
Charlotte
NC
Mortgage Sales
Leased
   
275
   
$
875
     
/
 
mo
 
2/28/2017
 
10765 Double R Blvd.
 
Reno
NV
Mortgage Sales
Leased
   
4,214
   
$
8,639
     
/
 
mo
 
10/31/2021
 
1980 Festival Plaza Dr.
 
Las Vegas
NV
Mortgage Sales
Leased
   
12,866
   
$
39,884
     
/
 
mo
 
5/31/2021
 
4000 S. Eastern Ave., Suite 310
 
Las Vegas
NV
Mortgage Sales
Leased
   
2,750
   
$
54,450
     
/
 
yr
 
1/31/2020
 
6130 Elton Ave., Suite 223
 
Las Vegas
NV
Mortgage Sales
Leased
   
125
   
$
400
     
/
 
mo
 
month to month
 
9330 W. Sahara Ave., Suite 270
 
Las Vegas
NV
Mortgage Sales
Leased
   
2,681
   
$
4,101
     
/
 
mo
 
8/31/2018
 
2370 Corporate Circle, Suite 200
 
Henderson
NV
Mortgage Sales
Leased
   
10,261
   
$
184,855
     
/
 
yr
 
4/30/2020
 
1160 State Route 28
 
Millford
OH
Mortgage Sales
Leased
   
300
   
$
550
     
/
 
mo
 
month to month
 
999 Polaris Parkway
 
Columbus
OH
Mortgage Sales
Leased
   
1,751
   
$
1,642
     
/
 
mo
 
7/31/2018
 
11305 Reed Hartman Highway
 
Blue Ash
OH
Mortgage Sales
Leased
   
711
   
$
918
     
/
 
mo
 
5/31/2019
 
 
10

Item 2.  Properties (Continued)
 
Street
 
City
State
Function
Owned Leased
 
Approximate
Square
Footage
 
Lease
Amount
Expiration
2468 W. New Orleans
 
Broken Arrow
OK
Mortgage Sales
Leased
   
1,683
 
$
1,896
   
/
 
mo
12/31/2019
10610 SE Washington
 
Portland
OR
Mortgage Sales
Leased
   
506
 
$
1,000
   
/
 
mo
month to month
3311 NE MLK Jr Blvd., Suite 203
 
Portland
OR
Mortgage Sales
Leased
   
1,400
 
$
675
   
/
 
mo
month to month
10365 SE Sunnyside Rd.
 
Clackamus
OR
Mortgage Sales
Leased
   
1,288
 
$
2,280
   
/
 
mo
11/30/2019
1063 E. Montague Ave.
 
Charleston
SC
Mortgage Sales
Leased
   
2,334
 
$
3,404
   
/
 
mo
8/31/2020
6263 Poplar Ave.
 
Memphis
TN
Mortgage Sales
Leased
   
1,680
 
$
2,380
   
/
 
mo
3/31/2019
108 Stekola Ln.
 
Knoxville
TN
Mortgage Sales
Leased
   
1,100
 
$
1,200
   
/
 
mo
7/31/2018
6640 Carothers Parkway
 
Franklin
TN
Mortgage Sales
Leased
   
3,229
 
$
3,902
   
/
 
mo
3/31/2020
303 Germantown Bend Cove
 
Cordova
TN
Mortgage Sales
Leased
   
1,200
 
$
1,500
   
/
 
mo
3/31/2017
8505 Technology Forest Place, Suite 304
 
Woodlands
TX
Mortgage Sales
Leased
   
1,250
 
$
2,900
   
/
 
mo
5/31/2018
602 S Main Street, Suite 300
 
Weatherford
TX
Mortgage Sales
Sub-Leased
   
1,000
 
$
1,200
   
/
 
mo
5/31/2017
52 Sugar Creek Center Blvd., Suite 150
 
Sugarland
TX
Mortgage Sales
Leased
   
1,788
 
$
3,497
   
/
 
mo
3/31/2020
2526 N. Loop 1604 W., Suite 210
 
San Antonio
TX
Mortgage Sales
Leased
   
4,959
 
$
10,125
   
/
 
mo
11/30/2019
1 Chisholm Trail Rd., Suite 210
 
Round Rock
TX
Mortgage Sales
Leased
   
3,402
 
$
3,331
   
/
 
mo
12/31/2017
3027 Marina Bay Dr.
 
League City
TX
Mortgage Sales
Leased
   
2,450
 
$
2,016
   
/
 
mo
3/31/2020
3027 Marina Bay Dr., Suite 110
 
League City
TX
Mortgage Sales
Leased
   
180
 
$
740
   
/
 
mo
3/31/2020
120 West Village
 
Laredo
TX
Mortgage Sales
Leased
   
800
 
$
1,136
   
/
 
mo
4/30/2018
7913 McPherson, Suite B
 
Laredo
TX
Mortgage Sales
Leased
   
1,200
 
$
1,400
   
/
 
mo
month to month
1202 Lakeway Dr., Suite 12
 
Lakeway
TX
Mortgage Sales
Leased
   
1,192
 
$
2,145
   
/
 
mo
3/31/2018
24668 Kingsland Blvd.
 
Katy
TX
Mortgage Sales
Leased
   
150
 
$
400
   
/
 
mo
month to month
2877 Commercial Center Blvd.
 
Katy
TX
Mortgage Sales
Leased
   
250
 
$
2,000
   
/
 
mo
month to month
1848 Norwood Plaza, Suite 205
 
Hurst
TX
Mortgage Sales
Sub-Leased
   
455
 
$
361
   
/
 
mo
month to month
16350 Park Ten Place
 
Houston
TX
Mortgage Sales
Leased
   
3,397
 
$
7,077
   
/
 
mo
11/30/2018
17347 Village Green Dr., Suite 102A
 
Houston
TX
Mortgage Sales
Sub-Leased
   
3,000
 
$
8,970
   
/
 
mo
month to month
30417 5th St., Suite B
 
Fulshear
TX
Mortgage Sales
Sub-Leased
   
1,000
 
$
550
   
/
 
mo
month to month
4936 Collinwood, Suite 110
 
Fort Worth
TX
Mortgage Sales
Leased
   
1,900
 
$
34,200
   
/
 
yr
month to month
4100 Alpha Rd.
 
Farmers Branch
TX
Mortgage Sales
Leased
   
2,935
 
$
4,035
   
/
 
mo
3/31/2020
1626 Lee Trevino
 
El Paso
TX
Mortgage Sales
Leased
   
8,400
 
$
7,059
       
  mo
11/30/2019
921 West New Hope Drive
 
Cedar Park
TX
Mortgage Sales
Subleased
   
880
 
$
1,000
   
/
 
mo
7/31/2017
8700 Manchaca Rd., Suite 603
 
Austin
TX
Mortgage Sales
Sub-Leased
   
850
 
$
1,600
   
/
 
mo
7/31/2019
9737 Great Hills Trail, Suite 150
 
Austin
TX
Mortgage Sales
Leased
   
11,717
 
$
15,378
   
/
 
mo
8/31/2024
16801 Addison Rd.
 
Addison
TX
Mortgage Sales
Leased
   
4,662
 
$
3,011
   
/
 
mo
2/14/2018
118 E. Vine St.
 
Tooele
UT
Mortgage Sales
Leased
   
1,000
 
$
849
   
/
 
mo
7/31/2017
5965 So. Redwood Rd.
 
Taylorsville
UT
Mortgage Sales
Leased
   
2,000
 
$
600
   
/
 
mo
12/31/2017
6575 S. Redwood Rd.
 
Taylorsville
UT
Mortgage Sales
Leased
   
3,323
 
$
4,638
   
/
 
mo
8/31/2019
10437 S. 1300 W.   South Jordan UT
Mortgage Sales
Leased     4,000   $ 7,800     /   mo  9/30/2019
126 West Sego Lily Dr.
 
Sandy
UT
Mortgage Sales
Leased
   
2,794
 
$
5,451
   
/
 
mo
8/31/2017
9815 S. Monroe St.
 
Sandy
UT
Mortgage Sales
Leased
   
1,725
 
$
3,306
   
/
 
mo
9/30/2018
9815 S. Monroe St., Suite 206
 
Sandy
UT
Mortgage Sales
Leased
   
2,819
 
$
5,286
   
/
 
mo
5/31/2018
9980 S. 300 W., Suite 201
 
Sandy
UT
Mortgage Sales
Leased
   
100
 
$
1,819
   
/
 
mo
month to month
1111 Brickyard Rd.
 
Salt Lake City
UT
Mortgage Sales
Leased
   
4,857
 
$
3,917
   
/
 
mo
1/31/2018
5993 S. Redwood Rd.
 
Salt Lake City
UT
Mortgage Sales
Leased
   
2,880
 
$
2,375
   
/
 
mo
7/31/2021
1224 S. River Rd., Suites E3 & E4
 
Saint George
UT
Mortgage Sales
Leased
   
1,900
 
$
1,814
   
/
 
mo
4/30/2018
465 N. Main
 
Richfield
UT
Mortgage Sales
Leased
   
2,848
 
$
1,600
   
/
 
mo
month to month
1245 Deer Valley Dr., Suite 3A
 
Park City
UT
Mortgage Sales
Leased
   
2,183
 
$
4,684
   
/
 
mo
12/31/2017
730 South Sleepy Ridge Dr.
 
Orem
UT
Mortgage Sales
Leased
   
891
 
$
1,500
   
/
 
mo
10/31/2017
5201 S. Green St.
 
Murray
UT
Mortgage Sales
Leased
   
10,990
 
$
13,456
   
/
 
mo
6/30/2017
210 E. Main St.
 
Midway
UT
Mortgage Sales
Leased
   
1,600
 
$
1,850
   
/
 
mo
12/31/2018
6965 S. Union Park, Stes 100, 260, 300, 460, 470, & 480
 
Midvale
UT
Mortgage Sales
Leased
   
37,226
 
$
74,098
   
/
 
mo
2/28/2018
6975 Union Park Ave., Suite 420
 
Midvale
UT
Mortgage Sales
Leased
   
6,672
 
$
12,500
   
/
 
mo
6/30/2019
1133 North Main St.
 
Layton
UT
Mortgage Sales
Subleased
   
300
 
$
500
   
/
 
mo
month to month
288 SR 248, Suite 2A
 
Kamas
UT
Mortgage Sales
Leased
   
1,480
 
$
2,350
   
/
 
mo
month to month
497 S. Main
 
Ephraim
UT
Mortgage Sales
Leased
   
953
 
$
765
   
/
 
mo
9/30/2017
15640 NE Fourth Plain Blvd., Suite 220
 
Vancouver
WA
Mortgage Sales
Leased
   
360
 
$
1,190
   
/
 
mo
6/30/2017
535 Dock St., Suite 100
 
Tacoma
WA
Mortgage Sales
Leased
   
3,825
 
$
5,620
   
/
 
mo
7/31/2018
318 39th St. Ave. SW, Suite A
 
Puyallup
WA
Mortgage Sales
Leased
   
3,431
 
$
5,575
   
/
 
mo
11/30/2017
11232 120th Ave. NE, Suite 206
 
Kirkland
WA
Mortgage Sales
Leased
   
500
 
$
350
   
/
 
mo
5/31/2017
11314 4th Ave. W.
 
Everett
WA
Mortgage Sales
Leased
   
1,793
 
$
2,308
   
/
 
mo
10/31/2018
1604 Hewitt Ave., Suite 703
 
Everett
WA
Mortgage Sales
Leased
   
2,038
 
$
4,650
   
/
 
mo
month to month
5002 7th Ave.
 
Kenosha
WI
Mortgage Sales
Leased
   
1,450
 
$
1,200
   
/
 
mo
10/31/2019
 
The Company believes the office facilities it occupies are in good operating condition and adequate for current operations. The company will enter into additional leases or modify existing leases to meet market demand.  Those leases will be month to month where possible.  As leases expire the Company will either renew or find comparable leases or acquire additional office space.
11

Item 2.  Properties (Continued)

The following table summarizes the location and acreage of the six Company owned cemeteries, each of which includes one or more mausoleums:

       
Net Saleable Acreage
Name of Cemetery
Location
Date Acquired
Developed
Acreage (1)
Total
Acreage (1)
Acres Sold
as Cemetery
 Spaces (2)
Total Available
Acreage (1)
Memorial Estates, Inc.
         
Lakeview Cemetery
1640 East Lakeview Drive
Bountiful, Utah
1973
7
40
6
34
             
Mountain View Cemetery
3115 East 7800 South
Salt Lake City, Utah
1973
17
54
16
38
             
Redwood Cemetery (4)
6500 South Redwood Road
West Jordan, Utah
1973
34
78
30
48
             
Deseret Memorial Inc.
Lake Hills Cemetery (3)(6)
         
Lake Hills Cemetery (3)
10055 South State Street
Sandy, Utah
1991
9
28
4
24
             
Holladay Memorial Park, Inc.
         
Holladay Memorial Park (3)(4)
4900 South Memory Lane
Holladay, Utah
1991
5
14
4
10
             
California Memorial Estates, Inc.
         
Singing Hills Memorial Park
2800 Dehesa Road
El Cajon, California
1995
8
35
4
31


 
(1)
The acreage represents estimates of acres that are based upon survey reports, title reports, appraisal reports or the Company's inspection of the cemeteries.
 
(2)
Includes spaces sold for cash and installment contract sales.
 
(3)
As of December 31, 2016, there were mortgages of approximately $147,000 collateralized by the property and facilities at Deseret Mortuary, Cottonwood Mortuary, Holladay Memorial Park, and Lake Hills Cemetery.
 
(4)
These cemeteries include two granite mausoleums.

12

Item 2. Properties (Continued)

The following table summarizes the location, square footage and the number of viewing rooms and chapels of the seven Company owned mortuaries:
 
   
Date
Viewing
 
Square
Name of Mortuary
Location
Acquired
Room(s)
Chapel(s)
Footage
Memorial Mortuary, Inc.
         
Memorial Mortuary
5850 South 900 East
       
 
Murray, Utah
1973
3
1
20,000
           
Affordable Funerals and
  Cremations, St. George
157 East Riverside Dr., No. 3A
2016
1
1
2,360
 
St. George, Utah
       
           
Memorial Estates, Inc.
         
Redwood Mortuary(2)
6500 South Redwood Rd.
       
 
West Jordan, Utah
1973
2
1
10,000
           
Mountain View Mortuary(2)
3115 East 7800 South
       
 
Salt Lake City, Utah
1973
2
1
16,000
           
Lakeview Mortuary(2)
1640 East Lakeview Dr.
       
 
Bountiful, Utah
1973
0
1
5,500
           
Deseret Memorial, Inc.
         
Deseret Mortuary(1)
36 East 700 South
       
 
Salt Lake City, Utah
1991
2
2
36,300
           
Lakehills Mortuary(2)
10055 South State St.
       
 
Sandy, Utah
1991
2
1
18,000
           
Cottonwood Mortuary, Inc.
         
Cottonwood Mortuary(1)(2)
4670 South Highland Dr.
       
 
Holladay, Utah
1991
2
1
14,500
 
(1)
As of December 31, 2016, there were mortgages of approximately $147,000 collateralized by the property and facilities at Deseret Mortuary, Cottonwood Mortuary, Holladay Memorial Park and Lake Hills Cemetery.
(2)
These funeral homes also provide burial niches at their respective locations.

Item 3.  Legal Proceedings

Lehman Brothers and Aurora Loan Services Litigation - Utah

On April 15, 2005, SecurityNational Mortgage entered into a Loan Purchase Agreement with Lehman Brothers Bank, FSB ("Lehman Bank") which agreement incorporated a Seller's Guide.  Pursuant to the Loan Purchase Agreement, Lehman Bank purchased mortgage loans from time to time from SecurityNational Mortgage.  Lehman Bank asserted that certain of the mortgage loans that it purchased from SecurityNational Mortgage contained alleged misrepresentations and early payment defaults.  As a result, Lehman Bank contended it had the right to require SecurityNational Mortgage to repurchase certain loans or be liable for losses related to such Loans under the Loan Purchase Agreement. SecurityNational Mortgage disagreed with these claims.

On December 17, 2007, SecurityNational Mortgage entered into an Indemnification Agreement with Lehman Bank and Aurora Loan Services LLC ("Aurora").  Under the terms of the Indemnification Agreement, SecurityNational Mortgage agreed to indemnify Lehman Bank and Aurora for certain amounts of actual losses, as defined, that Lehman Bank and Aurora may incur on account of the alleged breaches and early payment defaults pertaining to certain identified loans. A reserve account was set up to cover said losses.  From the time the reserve account was established, approximately $4,300,000 was taken from the reserve account to indemnify Lehman Bank and Aurora for alleged losses.  On March 28, 2011, Aurora Bank FSB (formerly known as Lehman Brothers Bank, FSB) ("Aurora Bank") and Aurora allegedly assigned certain rights and remedies under the Indemnification Agreement to Lehman Brothers Holdings, Inc. ("Lehman Holdings").
13

On May 11, 2011, SecurityNational Mortgage filed a complaint against Aurora Bank and Aurora in the United States District Court, Utah, which was assigned to Judge David Nuffer.  The allegations in the complaint included breach of the Indemnification Agreement.  SecurityNational Mortgage claimed it was entitled to a judgment of approximately $4,000,000 against Aurora Bank, as well as Aurora to the extent of its involvement, for payments which should not have been taken from the reserve account.

On June 8, 2011, Lehman Holdings, which had filed for bankruptcy in September 2008, filed a complaint in the United States District Court, Utah against SecurityNational Mortgage. The case was assigned to Judge Ted Stewart. The complaint alleged claims for damages for breach of contract and breach of warranty pursuant to the Loan Purchase Agreement, as well as alleged early payment default loans, and initially claimed damages in excess of $5,000,000.  Lehman Holdings further alleged that Aurora Bank sold mortgage loans to it and assigned contractual rights and remedies.  SecurityNational Mortgage strongly disagreed with the claims in Lehman Holdings' complaint.

On November 29, 2016, Judge Nuffer entered a judgment in favor of SecurityNational Mortgage Company, jointly and severally against Aurora Commercial Corporation (successor by merger to Aurora Bank), Aurora Bank and Aurora. The amount of the judgment was $3,892,974 principal, plus interest through May 31, 2014 in the amount of $1,674,240, plus interest for each day after May 31, 2014 until judgment (dated November 29, 2016) at the rate of $960 per diem.

In December 2016, the cases before Judge Nuffer and Judge Stewart were settled. Final settlement agreements were executed on December 20, 2016, which were effective as of December 9, 2016. Under the terms of the settlement, payments were made by Aurora Commercial to SecurityNational Mortgage, and by SecurityNational Mortgage to Lehman Holdings. The net result of the settlement involving both of the Utah cases was that $2,125,000 more was paid to Lehman Holdings. Additionally, the release agreed to by the parties covered claims arising from the sale of mortgage loans by SecurityNational Mortgage to Aurora Bank or Lehman Holdings that were included in the Utah cases.

Lehman Brothers Litigation – Delaware and New York

In January 2014, Lehman Holdings entered into a settlement with the Federal National Mortgage Association (Fannie Mae) concerning the mortgage loan claims asserted by Fannie Mae against Lehman Holdings that were based on alleged breaches of certain representations and warranties by Lehman Holdings.  Lehman Holdings had acquired these loans from Aurora Bank, which in turn purchased the loans from residential mortgage loan originators, including SecurityNational Mortgage.  A settlement based on similar circumstances was entered into between Lehman Holdings and the Federal Home Loan Mortgage Corporation (Freddie Mac) in February 2014.

Lehman Holdings filed a motion in May 2014 with the U.S. Bankruptcy Court of the Southern District of New York to require the mortgage loan originators, including SecurityNational Mortgage, to engage in non-binding mediations of its alleged indemnification claims against the mortgage loan originators relative to the Fannie Mae and Freddie Mac settlements with Lehman Holdings.  The mediation was not successful in resolving any issues between SecurityNational Mortgage and Lehman Holdings.

On January 26, 2016, SecurityNational Mortgage filed a declaratory judgment action against Lehman Holdings in the Superior Court for the State of Delaware.  In the Delaware action, SecurityNational Mortgage asserted its right to obtain a declaration of rights in that there are allegedly millions of dollars in dispute with Lehman Holdings pertaining to approximately 136 loans.  SecurityNational Mortgage sought declaratory judgment as to its rights as it contends that it has no liability to Lehman Holdings as a result of Lehman Holdings' settlements with Fannie Mae and Freddie Mac.  Lehman Holdings filed a motion in the Delaware court seeking to stay or dismiss the declaratory judgment action.  On August 24, 2016, the Court ruled that it would exercise its discretion to decline jurisdiction over the action and granted Lehman Holdings' motion to dismiss.

On February 3, 2016, Lehman Holdings filed an adversary proceeding against approximately 150 mortgage loan originators, including SecurityNational Mortgage, in the U.S. Bankruptcy Court of the Southern District of New York seeking a declaration of rights similar in nature to the declaration that SecurityNational Mortgage sought in its Delaware lawsuit, and for damages relating to the defendants' obligations under indemnification provisions of the alleged agreements, in amounts to be determined at trial, including interest, attorneys' fees and costs incurred by Lehman Holdings in enforcing the obligations of the defendants.  A Case Management Order ("CMO") was entered on November 1, 2016.  On December 27, 2016, pursuant to the CMO, Lehman Holdings filed a Second Amended Complaint against SecurityNational Mortgage.  The case is presently in a motion period and no Answer is required to be filed by SecurityNational Mortgage pending further order of the Court.  SecurityNational Mortgage denies that it has any liability to Lehman Holdings and intends to vigorously protect and defend such position.

The Company is not a party to any other material legal proceedings outside the ordinary course of business or to any other legal proceedings, which if adversely determined, would have a material adverse effect on its financial condition or results of operation.

Item 4.  Mine Safety Disclosures

Not applicable.
14


PART II

Item 5.  Market for the Registrant's Common Stock, Related Security Holder Matters, and Issuer Purchases of Equity Securities

The Company's Class A common stock trades on The NASDAQ National Market under the symbol "SNFCA." As of March 27, 2017, the closing sales price of the Class A common stock was $7.00 per share. The following were the high and low market closing sales prices for the Class A common stock by quarter as reported by NASDAQ since January 1, 2015:

   
Price Range (1)
 
   
High
   
Low
 
Period (Calendar Year)
           
2015
           
First Quarter
 
$
5.66
   
$
4.82
 
Second Quarter
 
$
6.34
   
$
4.75
 
Third Quarter
 
$
7.38
   
$
5.90
 
Fourth Quarter
 
$
6.20
   
$
5.34
 
                 
2016
               
First Quarter
 
$
6.17
   
$
4.85
 
Second Quarter
 
$
4.88
   
$
4.23
 
Third Quarter
 
$
5.62
   
$
4.59
 
Fourth Quarter
 
$
7.04
   
$
5.45
 
                 
2017
               
First Quarter (through March 27, 2017)
 
$
7.30
   
$
6.24
 

(1)      Sales prices have been adjusted retroactively for the effect of annual stock dividends.

The Class C common stock is not registered or traded on a national exchange. See Note 11 of the Notes to Consolidated Financial Statements.

The Company has never paid a cash dividend on its Class A or Class C common stock. The Company currently anticipates that all of its earnings will be retained for use in the operation and expansion of its business and does not intend to pay any cash dividends on its Class A or Class C common stock in the foreseeable future. Any future determination as to cash dividends will depend upon the earnings and financial position of the Company and such other factors as the Board of Directors may deem appropriate. A 5% stock dividend on Class A and Class C common stock has been paid each year from 1990 through 2016.

The graph below compares the cumulative total stockholder return of the Company's Class A common stock with the cumulative total return on the Standard & Poor's 500 Stock Index and the Standard & Poor's Insurance Index for the period from December 31, 2011 through December 31, 2016. The graph assumes that the value of the investment in the Company's Class A common stock and in each of the indexes was $100 at December 31, 2011 and that all dividends were reinvested.
15

The comparisons in the graph below are based on historical data and are not intended to forecast the possible future performance of the Company's Class A common stock.
 
 
 
12/31/11
12/31/12
12/31/13
12/31/14
12/31/15
12/31/16
SNFC
100
564
325
408
487
507
S & P 500
100
113
147
164
163
178
S & P Insurance
100
117
170
180
181
208


The stock performance graph set forth above is required by the Securities and Exchange Commission and shall not be deemed to be incorporated by reference by any general statement incorporating by reference this Form 10-K/A into any filing under the Securities Act of 1933, as amended, or under the Securities Exchange Act of 1934, as amended, except to the extent that the Company specifically incorporates this information by reference, and shall not otherwise be deemed soliciting material or filed under such acts.

As of December 31, 2016, there were 3,424 record holders of Class A common stock and 72 record holders of Class C common stock.
16

Item 6.  Selected Financial Data

As a smaller reporting company, the Company is not required to provide information typically disclosed under this item.

Item 7.  Management's Discussion and Analysis of Financial Condition and Results of Operations

Overview

The accompanying management's discussion and analysis gives effect to the restatement discussed in Note 21 to the Consolidated Financial Statements.

The Company's operations over the last several years generally reflect three trends or events which the Company expects to continue: (i) increased attention to "niche" insurance products, such as the Company's funeral plan policies and traditional whole life products; (ii) emphasis on cemetery and mortuary business; and (iii) capitalizing on relatively low interest rates by originating mortgage loans.

Insurance Operations

The following table shows the condensed financial results for the Company's insurance operations for the years ended December 31, 2016, 2015 and 2014.  See Note 14 of the Notes to Consolidated Financial Statements.

   
Years ended December 31
(in thousands of dollars)
   
   
2016
   
2015
   
2016 vs 2015 % Increase (Decrease)
   
2014
   
2015 vs 2014 % Increase (Decrease)
   
Revenues from external customers
                               
Insurance premiums
 
$
64,501
   
$
56,410
     
14
%
 
$
53,009
     
6
%
 
Net investment income
   
28,618
     
25,297
     
13
%
   
23,008
     
10
%
 
Revenues from loan originations
   
2,401
     
2,474
     
(3
%)
   
4,029
     
(39
%)
 
Other
   
85
     
2,744
     
(97
%)
   
1,727
     
59
%
 
Total
 
$
95,605
   
$
86,925
     
10
%
 
$
81,773
     
6
%
 
Intersegment revenue
 
$
7,120
   
$
7,615
     
(7
%)
 
$
6,128
     
24
%
 
Earnings before income taxes
 
$
7,858
   
$
8,619
     
(9
%)
 
$
8,626
     
0
%
 

Intersegment revenues for the Company's insurance operations are primarily interest income from the warehouse line provided to SecurityNational Mortgage Company. Profitability in 2016 has decreased due to a decrease in realized gains on investments and other assets, which was partially offset by an increase in net investment income and an increase in insurance premiums.

Cemetery and Mortuary Operations

The following table shows the condensed financial results for the Company's cemetery and mortuary operations for the years ended December 31, 2016, 2015 and 2014. See Note 14 of the Notes to Consolidated Financial Statements.
 
   
Years ended December 31
(in thousands of dollars)   
 
   
2016
   
2015
   
2016 vs 2015 % Increase (Decrease)
   
2014
   
2015 vs 2014 % Increase (Decrease)
 
Revenues from external customers
                             
Mortuary revenues
 
$
4,848
   
$
4,628
     
5
%
 
$
4,801
     
(4
%)
Cemetery revenues
   
7,420
     
6,874
     
8
%
   
6,625
     
4
%
Realized gains on investments and other assets
   
211
     
387
     
(45
%)
   
586
     
(34
%)
Other
   
401
     
598
     
(33
%)
   
445
     
34
%
Total
 
$
12,880
   
$
12,487
     
3
%
 
$
12,457
     
0
%
Earnings before income taxes
 
$
1,219
   
$
914
     
33
%
 
$
663
     
38
%

The majority of the realized gain in the Company's cemetery and mortuary operations in 2014 was due to the sale of real estate located in Phoenix, Arizona. Included in other revenue was rental income from residential and commercial properties purchased from Security National Life. Memorial Estates used financing provided by Security National Life to purchase these properties. The rental income was offset by property insurance, taxes, maintenance expenses and interest payments made to Security National Life. Memorial Estates recorded depreciation on these properties of $715,000, $858,000 and $945,000 for the twelve months ended December 31, 2016, 2015 and 2014, respectively.

17

Mortgage Operations

Approximately 64% of the Company's revenues for the fiscal year 2016 were through its wholly owned subsidiaries, SecurityNational Mortgage and EverLEND Mortgage. Both mortgage subsidiaries are mortgage lenders incorporated under the laws of the State of Utah and approved and regulated by the Federal Housing Administration (FHA), a department of the U.S. Department of Housing and Urban Development (HUD), which originate mortgage loans that qualify for government insurance in the event of default by the borrower, in addition to various conventional mortgage loan products. SecurityNational Mortgage and EverLEND Mortgage obtain mortgage loans originated in retail offices and through independent brokers. Mortgage loans originated by the Company's mortgage subsidiaries are funded through loan purchase agreements from Security National Life and unaffiliated financial institutions.

The Company's mortgage subsidiaries receive fees from the borrowers and secondary fees from third party investors that purchase their loans. Loans originated by SecurityNational Mortgage are generally sold with mortgage servicing rights released to third party investors or retained by SecurityNational Mortgage. SecurityNational Mortgage currently retains the mortgage servicing rights on approximately 30% of its loan origination volume. These loans are serviced by an approved third party sub-servicer.

For the twelve months ended December 31, 2016, 2015 and 2014, SecurityNational Mortgage originated 16,022 loans ($3,097,872,000 total volume), 14,976 loans ($2,843,455,000 total volume), and 10,794 loans ($2,037,337,000 total volume), respectively. For the twelve months ended December 31, 2016, 2015 and 2014, EverLEND Mortgage originated three loans ($838,000 total volume), 79 loans ($17,949,000 total volume), and 33 loans ($7,298,000 total volume), respectively.

The following table shows the condensed financial results for the Company's mortgage operations for the years ended 2016, 2015 and 2014.  See Note 14 and Note 21 of the Notes to Consolidated Financial Statements.

   
Years ended December 31
(in thousands of dollars)
 
   
2016
   
2015
   
2016 vs 2015 % Increase (Decrease)
   
2014
   
2015 vs 2014 % Increase (Decrease)
 
Revenues from external customers:
                             
Revenues from loan originations
 
$
146,465
   
$
134,832
     
9
%
 
$
100,917
     
34
%
Secondary gains from investors
   
34,677
     
34,211
     
1
%
   
21,862
     
56
%
Total
 
$
181,142
   
$
169,043
     
7
%
 
$
122,779
     
38
%
Earnings before income taxes
 
$
10,626
   
$
11,481
     
(7
%)
 
$
4,437
     
159
%

The increase in revenues for the Company's mortgage operations for the twelve months ended December 31, 2016 as compared to December 31, 2015 was due to an increase in mortgage loan originations and fee income from the loan originations.

Mortgage Loan Loss Settlements

Future loan losses can be extremely difficult to estimate.  However, management believes that the Company's reserve methodology and its current practice of property preservation allow it to estimate potential losses on loans sold. The amounts expensed for loan losses in years ended December 31, 2016 and 2015 were $4,689,000 and $6,295,000, respectively. The estimated liability for indemnification losses is included in other liabilities and accrued expenses and, as of December 31, 2016 and 2015, the balances were $628,000 and $2,806,000, respectively.

Settlement of Investigation by U.S. Department of Justice and the Office of the Inspector General for the U.S. Department of Housing and Urban Development (HUD) of Certain FHA-Insured Mortgage Loans Originated

On September 30, 2016, the Company, through its wholly owned subsidiary, SecurityNational Mortgage, announced the execution of a settlement agreement with the U.S. Department of Justice and the United States Attorney's Office in connection with the origination and underwriting by SecurityNational Mortgage of certain Federal Housing Administration (FHA) insured loans.  SecurityNational Mortgage, like many other high volume FHA-approved lenders, was being reviewed by the U.S. Department of Justice and the Office of the Inspector General of the U.S. Department of Housing and Urban Development (HUD) for loan origination activities that occurred as long as nine years ago.
18

Without any admission of liability and in order to avoid the extended distractions and expenses associated with protracted litigation, SecurityNational Mortgage made a business decision to resolve this matter.  Pursuant to the settlement agreement, SecurityNational Mortgage was required to make a payment in the amount of $4,250,000 to the U.S. Department of Justice, which payment was made on October 4, 2016. SecurityNational Mortgage continues to be able to originate FHA-insured mortgage loans and participate fully in all FHA programs as this settlement agreement does not affect SecurityNational Mortgage's status with the Department of Housing and Urban Development.  In addition, this settlement does not include any allegations or findings against any particular individuals, such as officers, directors, employees or agents of SecurityNational Mortgage.

Mortgage Loan Loss Litigation

For a description of the litigation involving SecurityNational Mortgage and Lehman Brothers and Aurora Loan Services, reference is to Part I, Item 3. Legal Proceedings.

Significant Accounting Policies

The following is a brief summary of our significant accounting policies and a review of our most critical accounting estimates. See Note 1 of the Notes to Consolidated Financial Statements.

Insurance Operations

In accordance with generally accepted accounting principles in the United States of America (GAAP), premiums and other considerations received for interest sensitive products are reflected as increases in liabilities for policyholder account balances and not as revenues. Revenues reported for these products consist of policy charges for the cost of insurance, administration charges, amortization of policy initiation fees and surrender charges assessed against policyholder account balances. Surrender benefits paid relating to these products are reflected as decreases in liabilities for policyholder account balances and not as expenses.

The Company receives investment income earned from the funds deposited into account balances, a portion of which is passed through to the policyholders in the form of interest credited. Interest credited to policyholder account balances and benefit claims in excess of policyholder account balances are reported as expenses in the consolidated financial statements.

Premiums and other considerations received for traditional life insurance products are recognized as revenues when due. Future policy benefits are recognized as expenses over the life of the policy by means of the provision for future policy benefits.

The costs related to acquiring new business, including certain costs of issuing policies and other variable selling expenses (principally commissions), defined as deferred policy acquisition costs, are capitalized and amortized into expense. For nonparticipating traditional life products, these costs are amortized over the premium paying period of the related policies, in proportion to the ratio of annual premium revenues to total anticipated premium revenues. Such anticipated premium revenues are estimated using the same assumption used for computing liabilities for future policy benefits and are generally "locked in" at the date the policies are issued. For interest sensitive products, these costs are amortized generally in proportion to expected gross profits from surrender charges and investment, mortality and expense margins. This amortization is adjusted when the Company revises the estimate of current or future gross profits or margins. For example, deferred policy acquisition costs are amortized earlier than originally estimated when policy terminations are higher than originally estimated or when investments backing the related policyholder liabilities are sold at a gain prior to their anticipated maturity.

Death and other policyholder benefits reflect exposure to mortality risk and fluctuate from year to year on the level of claims incurred under insurance retention limits. The profitability of the Company is primarily affected by fluctuations in mortality, other policyholder benefits, expense levels, interest spreads (i.e., the difference between interest earned on investments and interest credited to policyholders) and persistency. The Company has the ability to mitigate adverse experience through sound underwriting, asset and liability duration matching, sound actuarial practices, adjustments to credited interest rates, policyholder dividends and cost of insurance charges.
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Cemetery and Mortuary Operations

Pre-need sales of funeral services and caskets, including revenue and costs associated with the sales of pre-need funeral services and caskets, are deferred until the services are performed or the caskets are delivered.

Pre-need sales of cemetery interment rights (cemetery burial property), including revenue and costs associated with the sales of pre-need cemetery interment rights, are recognized in accordance with the retail land sales provisions of GAAP. Under GAAP, recognition of revenue and associated costs from constructed cemetery property must be deferred until a minimum percentage of the sales price has been collected. Revenues related to the pre-need sale of unconstructed cemetery property will be deferred until such property is constructed and meets the criteria of GAAP, described above.

Pre-need sales of cemetery merchandise (primarily markers and vaults), including revenue and costs associated with the sales of pre-need cemetery merchandise, are deferred until the merchandise is delivered.

Pre-need sales of cemetery services (primarily merchandise delivery and installation fees and burial opening and closing fees), including revenue and costs associated with the sales of pre-need cemetery services, are deferred until the services are performed.

Prearranged funeral and pre-need cemetery customer obtaining costs, including costs incurred related to obtaining new pre-need cemetery and prearranged funeral business are accounted for under the guidance of the provisions of GAAP related to Financial Services - Insurance. Obtaining costs, which include only costs that vary with and are primarily related to the acquisition of new pre-need cemetery and prearranged funeral business, are deferred until the merchandise is delivered or services are performed.

Revenues and costs for at‑need sales are recorded when a valid contract exists, the services are performed, collection is reasonably assured, and there are no significant obligations remaining.

Mortgage Operations

Mortgage fee income consists of origination fees, processing fees and certain other income related to the origination and sale of mortgage loans. For mortgage loans sold to third party investors, mortgage fee income and related expenses are recognized pursuant to GAAP at the time the sales of the mortgage loans comply with the sales criteria for the transfer of financial assets. The sales criteria are as follows: (i) the transferred assets have been isolated from the Company and its creditors, (ii) the transferee has the right to pledge or exchange the mortgage, and (iii) the Company does not maintain effective control over the transferred mortgage.

The Company has determined that all three sales criteria are met at the time a mortgage loan is purchased by a third party investor. Until the loan is purchased, all direct selling revenues and costs are deferred.

The Company sells mortgage loans to third party investors without recourse. It may be required, however, to repurchase a loan or pay a fee instead of repurchase under certain events, which include the following:

·
Failure to deliver original documents specified by the investor,
   
·
The existence of misrepresentation or fraud in the origination of the loan,
   
·
The loan becomes delinquent due to nonpayment during the first several months after it is sold,
   
·
Early pay-off of a loan, as defined by the agreements,
   
·
Excessive time to settle a loan,
   
·
Investor declines purchase, and
   
·
Discontinued product and expired commitment.

Loan purchase commitments generally specify a date 30 to 45 days after delivery upon which the underlying loans should be settled. Depending on market conditions, these commitment settlement dates can be extended at a cost to the Company.

It is the Company's policy to cure any documentation problems regarding such loans at a minimal cost for up to a six-month time period and to pursue efforts to enforce loan purchase commitments from third-party investors concerning the loans. The Company believes that six months allows adequate time to remedy any documentation issues, to enforce purchase commitments, and to exhaust other alternatives. Remedial methods include the following:

·
Research reasons for rejection,
   
·
Provide additional documents,
   
·
Request investor exceptions,
   
·
Appeal rejection decision to purchase committee, and
   
·
Commit to secondary investors.

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Once purchase commitments have expired and other alternatives to remedy are exhausted, which could be earlier than the six-month time period, the loans are repurchased and transferred to the long-term investment portfolio at the lower of cost or fair value and the previously recorded sales revenue that was to be received from a third party investor is written off against the loan loss reserve. Any loan that later becomes delinquent is evaluated by the Company at that time and any impairment is adjusted accordingly.
Determining lower of cost or market. Cost is equal to the amount paid to the warehouse bank and the amount originally funded by the Company. Market value, while often difficult to determine, is based on the following guidelines:
·
For loans that have an active market, the Company uses the market price on the repurchase date.
   
·
For loans where there is no market but there is a similar product, the Company uses the market value for the similar product on the repurchase date.
   
·
For loans where no active market exists on the repurchase date, the Company determines that the unpaid principal balance best approximates the market value on the repurchase date, after considering the fair value of the underlying real estate collateral and estimated future cash flows.
 
The appraised value of the real estate underlying the original mortgage loan adds significance to the Company's determination of fair value because, if the loan becomes delinquent, the Company has sufficient value to collect the unpaid principal balance or the carrying value of the loan. In determining the market value on the date of repurchase, the Company considers the total value of all of the loans because any sale of loans would be made as a pool.

Loans that have been foreclosed are reclassified as real estate held for investment. The Company carries the foreclosed properties in either Security National Life, Memorial Estates, or SecurityNational Mortgage and rents the properties until it is deemed economically desirable to sell them.

The majority of loans originated are sold to third party investors. The amounts expected to be sold to investors are shown on the balance sheet as loans held for sale, and include the fees due from third party investors.

Use of Significant Accounting Estimates

The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect reported amounts and disclosures. It is reasonably possible that actual experience could differ from the estimates and assumptions utilized which could have a material impact on the financial statements. The following is a summary of our significant accounting estimates, and critical issues that impact them:

Loan Commitments

The Company estimates the fair value of a mortgage loan commitment based on the change in estimated fair value of the underlying mortgage loan, quoted MBS prices, estimates of the fair value of mortgage servicing rights, and an estimate of the probability that the mortgage loan will fund within the terms of the commitment net of estimated commission expense. The change in fair value of the underlying mortgage loan is measured from the date the mortgage loan commitment is issued and is shown net of related expenses. Following issuance, the value of a loan commitment can be either positive or negative depending upon the change in value of the underlying mortgage loans. Fallout rates and other factors from the Company's recent historical data are used to estimate the quantity and value of mortgage loans that will fund within the terms of the commitments.

Deferred Acquisition Costs

Amortization of deferred policy acquisition costs for interest sensitive products is dependent upon estimates of current and future gross profits or margins on this business. Key assumptions used include the following: yield on investments supporting the liabilities, amount of interest or dividends credited to the policies, amount of policy fees and charges, amount of expenses necessary to maintain the policies, amount of death and surrender benefits, and the length of time the policies will stay in force.

For nonparticipating traditional life products, these costs are amortized over the premium paying period of the related policies in proportion to the ratio of annual premium revenues to total anticipated premium revenues. Such anticipated premium revenues are estimated using the same assumption used for computing liabilities for future policy benefits and are generally "locked in" at the date the policies are issued.
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Value of Business Acquired
     
Value of business acquired is the present value of estimated future profits of the acquired business and is amortized similar to deferred acquisition costs. The critical issues explained for deferred acquisition costs would also apply for value of business acquired.

Mortgage Loans Foreclosed to Real Estate Held for Investment

These properties are recorded at the lower of cost or fair value upon foreclosure. The Company believes that in an orderly market fair value will approximate the replacement cost of a home and the rental income provides a cash flow stream for investment analysis. The Company believes the highest and best use of the properties are as income producing assets since it is the Company's intent to hold the properties as rental properties, matching the income from the investment in rental properties with the funds required for future estimated policy claims. Accordingly, the fair value determination will be weighted more heavily toward the rental analysis.

Future Policy Benefits

Reserves for future policy benefits for traditional life insurance products requires the use of many assumptions, including the duration of the policies, mortality experience, expenses, investment yield, lapse rates, surrender rates, and dividend crediting rates.

These assumptions are made based upon historical experience, industry standards and a best estimate of future results and, for traditional life products, include a provision for adverse deviation. For traditional life insurance, once established for a particular series of products, these assumptions are generally held constant.

Unearned Revenue

The universal life products the Company sells have significant policy initiation fees (front-end load) that are deferred and amortized into revenues over the estimated expected gross profits from surrender charges and investment, mortality and expense margins. The same issues that impact deferred acquisition costs would apply to unearned revenue.

Deferred Pre-need Cemetery and Funeral Contracts Revenues and Estimated Future Cost of Pre-need Sales

The revenue and cost associated with the sales of pre-need cemetery merchandise and funeral services are deferred until the merchandise is delivered or the service is performed.

The Company, through its cemetery and mortuary operations, provides a guaranteed funeral arrangement wherein a prospective customer can receive future goods and services at guaranteed prices. To accomplish this, the Company, through its life insurance operations, sells to the customer an increasing benefit life insurance policy that is assigned to the mortuaries. If, at the time of need, the policyholder or potential mortuary customer utilizes one of the Company's facilities, the guaranteed funeral arrangement contract that has been assigned will provide the funeral goods and services at the contracted price. The increasing life insurance policy will cover the difference between the original contract prices and current prices. Risks may arise if the difference cannot be fully met by the life insurance policy.

Mortgage Servicing Rights

Mortgage Service Rights (MSR) arise from contractual agreements between the Company and third-party investors (or their agents) when mortgage loans are sold. Under these contracts, the Company is obligated to retain and provide loan servicing functions on the loans sold, in exchange for fees and other remuneration. The servicing functions typically performed include, among other responsibilities, collecting and remitting loan payments; responding to borrower inquiries; accounting for principal and interest, holding custodial (impound) funds for payment of property taxes and insurance premiums; counseling delinquent mortgagors; and supervising the acquisition of real estate owned and property dispositions. The Company initially accounts for MSRs at fair value and subsequently accounts for them using the amortization method. MSR amortization is determined by amortizing the balance straight-line over an estimated seven and nine-year life. The Company periodically assesses MSRs accounted for using the amortization method for impairment.

Mortgage Allowance for Loan Loss and Loan Loss Reserve

The Company provides allowances for losses on its mortgage loans through an allowance for loan losses (a contra-asset account) and through the mortgage loan loss reserve (a liability account). The allowance for loan losses is an allowance for losses on the Company's mortgage loans held for investment. The allowance is comprised of two components. The first component is an allowance for collectively evaluated impairment that is based upon the Company's historical experience in collecting similar receivables. The second component is based upon individual evaluation of loans that are determined to be impaired. Upon determining impairment, the Company establishes an individual impairment allowance based upon an assessment of the fair value of the underlying collateral.
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When a mortgage loan is past due more than 90 days, the Company, where appropriate, sets up an allowance to approximate the excess of the carrying value of the mortgage loan over the estimated fair value of the underlying real estate collateral. When foreclosure is commenced on a delinquent loan, all expenses for foreclosure are expensed as incurred. Once foreclosed the carrying value should approximate its fair value and the amount will be classified as real estate owned. The Company is currently able to rent properties at a 2% to 8% gross return.

The mortgage loan loss reserve is an estimate of probable losses at the balance sheet date that the Company will realize in the future on mortgage loans sold to third party investors. The Company may be required to reimburse third party investors for costs associated with early payoff of loans within the first six months of such loans and to repurchase loans where there is a default in any of the first four monthly payments to the investors or, in lieu of repurchase, to pay a negotiated fee to the investors. The Company's estimates are based upon historical loss experience and the best estimate of the probable loan loss liabilities.

Upon completion of a transfer that satisfies the conditions to be accounted for as a sale, the Company initially measures at fair value liabilities incurred in a sale relating to any guarantee or recourse provisions. The Company accrues a monthly allowance for indemnification losses to investors based on total production. This estimate is based on the Company's historical experience and is included as a component of mortgage fee income. Subsequent updates to the recorded liability from changes in assumptions are recorded in selling, general and administrative expenses. The estimated liability for indemnification losses is included in other liabilities and accrued expenses. The Company believes the allowance for loan losses and the loan loss reserve represent probable loan losses incurred as of the balance sheet date.

Deferred Tax Assets and Liabilities

Deferred tax assets and liabilities require various estimates and judgments and may be affected favorably or unfavorably by various internal and external factors.  These estimates and judgments occur in the calculation of certain deferred tax assets and liabilities that arise from temporary differences in the recognition of revenues and expenses for tax and financial reporting purposes and in estimating the ultimate amount of deferred tax assets recoverable in future periods. Factors affecting the deferred tax assets and liabilities include, but are not limited to, changes in tax laws, regulations and/or rates, changing interpretations of existing tax laws or regulations, and changes to overall levels of pre-tax earnings.  Changes in these estimates, judgments or factors may result in an increase or decrease to the Company's deferred tax assets and liabilities with a related increase or decrease in the Company's provision for income taxes.

Results of Consolidated Operations

2016 Compared to 2015

Total revenues increased by $23,980,000, or 8.6%, to $304,335,000 for fiscal year 2016 from $280,355,000 for the fiscal year 2015. Contributing to this increase in total revenues was a $12,026,000 increase in mortgage fee income, an $8,091,000 increase in insurance premiums and other considerations, a $3,574,000 increase in net investment income, a $1,766,000 increase in other revenues, a $765,000 increase in net cemetery and mortuary sales, and a $335,000 decrease in other than temporary impairments. This increase in total revenues was partially offset by a $2,577,000 decrease in realized gains on investments and other assets.

Insurance premiums and other considerations increased by $8,091,000, or 14.3%, to $64,501,000 for 2016, from $56,410,000 for the comparable period in 2015. This increase was due to an increase in renewal premiums and an increase in first year premiums as a result of increased insurance sales in 2016.

Net investment income increased by $3,574,000, or 10.5%, to $37,582,000 for 2016, from $34,008,000 for the comparable period in 2015. This increase was primarily attributable to a $2,961,000 increase in insurance assignment income, a $1,515,000 increase in income from real estate held for investment, a $1,267,000 increase in interest from mortgage loans, an $804,000 increase in fixed maturity securities income and a $31,000 increase in policy loans income. This increase was partially offset by a $2,610,000 decrease in income from short-term investments and a $406,000 increase in investment expenses.
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Net cemetery and mortuary sales increased by $765,000, or 6.7%, to $12,267,000 for 2016, from $11,502,000 for the comparable period in 2015. This increase was primarily due to an increase in at-need sales and pre-need sales in both the cemetery and mortuary operations.

Realized gains on investments and other assets decreased by $2,577,000, or 107.3%, to $176,000 in realized losses for 2016, from $2,401,000 in realized gains for the comparable period in 2015. This decrease in realized gains on investments and other assets was primarily attributable to a $2,577,000 decrease in realized gains on other assets due to the sale of an office building in 2015, which was offset by an increase in impairments on real estate held for investment in 2016, and a $47,000 decrease in realized gains on fixed maturity securities. This decrease was also partially offset by a $47,000 increase in realized gains on securities available for sale.

Other than temporary impairments on investments decreased by $335,000, or 55.3%, to $270,000 for 2016 from $605,000 for the comparable period in 2015. This decrease was primarily attributable to an overall decrease in impairments on fixed maturity securities held to maturity and securities available for sale.

Mortgage fee income increased by $12,026,000, or 7.0%, to $183,543,000 for 2016, from $171,517,000 for the comparable period in 2015. This increase was primarily attributable to an increase in mortgage loan originations.

Other revenues increased by $1,766,000, or 34.5%, to $6,888,000 for 2016 from $5,122,000 for the comparable period in 2015. This increase was due to an increase in mortgage servicing revenues.

Total benefits and expenses were $284,632,000, or 93.4% of total revenues, for 2016, as compared to $259,341,000, or 92.5% of total revenues, for the comparable period in 2015.

Death benefits, surrenders and other policy benefits, and future policy benefits increased by an aggregate of $4,102,000, or 8.1%, to $54,710,000 for 2016, from $50,608,000 for the comparable period in 2015. This increase was primarily the result of a $4,264,000 increase in future policy benefits, which was partially offset by a $125,000 decrease in death benefits and a $37,000 decrease in surrenders and other policy benefits.

Amortization of deferred policy and pre-need acquisition costs and value of business acquired increased by $2,362,000, or 41.9%, to $8,003,000 for 2016, from $5,641,000 for the comparable period in 2015. This increase was primarily due to an increase in insurance sales expenses.

Selling, general and administrative expenses increased by $18,190,000, or 9.2%, to $215,020,000 for 2016, from $196,830,000 for the comparable period in 2015. This increase was primarily due to a $9,394,000 increase in personnel expenses resulting from increased salaries for existing employees and the hiring of new employees, a $7,734,000 increase in commission expenses, a $1,616,000 increase in other expenses, a $695,000 increase in advertising expenses, a $290,000 increase in costs related to funding mortgage loans, and a $210,000 increase in rent and rent related expenses. These increases were partially offset by a $1,749,000 decrease in the provision for loan losses.

Interest expense increased by $654,000, or 14.7%, to $5,112,000 for 2016, from $4,458,000 for the comparable period in 2015. This increase in interest expense was primarily due to the completion of the construction of the Dry Creek at East Village Apartments development in December 2015, resulting in the interest from the bank loan that had been capitalized during the construction phase of the project being expensed in 2016.

Cost of goods and services sold of the cemeteries and mortuaries decreased by $16,000, or 0.9%, to $1,787,000 for 2016, from $1,803,000 for the comparable period in 2015. This decrease was primarily due to a decrease in mortuary at-need sales, which was offset by an increase in cemetery pre-need sales.

Other comprehensive income for the years ended December 31, 2016 and December 31, 2015 amounted to a gain of $764,000 and a loss of $761,000, respectively. This increase of $1,525,000 in 2016 was primarily the result of a $1,529,000 unrealized gain in marketable securities.

2015 Compared to 2014

Total revenues increased by $55,308,000, or 24.6%, to $280,355,000 for fiscal year 2015 from $225,047,000 for the fiscal year 2014. Contributing to this increase in total revenues was a $44,710,000 increase in mortgage fee income, a $5,704,000 increase in net investment income, a $3,401,000 increase in insurance premiums and other considerations, a $1,375,000 increase in other revenues, a $483,000 increase in realized gains on investments and other assets, and a $76,000 increase in net cemetery and mortuary sales. This increase in total revenues was partially offset by a $441,000 increase in other than temporary impairments.
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Insurance premiums and other considerations increased by $3,401,000, or 6.4%, to $56,410,000 for 2015, from $53,009,000 for the comparable period in 2014. This increase was due to an increase in renewal premiums and an increase in first year premiums as a result of increased insurance sales in 2015.

Net investment income increased by $5,704,000, or 20.2%, to $34,008,000 for 2015, from $28,304,000 for the comparable period in 2014. This increase was primarily attributable to a $4,119,000 increase in income from short-term investments, a $1,021,000 increase in income from real estate, a $414,000 decrease in investment expenses, a $146,000 increase in interest from mortgage loans, a $57,000 increase in equity securities income, and an $8,000 increase in policy loans income. This increase was partially offset by a $61,000 decrease in fixed maturity securities income.

Net cemetery and mortuary sales increased by $76,000, or 0.7%, to $11,502,000 for 2015, from $11,426,000 for the comparable period in 2014. This increase was primarily due to a $249,000 increase in cemetery pre-need and at-need sales. This increase was partially offset by a $173,000 decrease in mortuary at-need sales.

Realized gains on investments and other assets increased by $483,000, or 25.2%, to $2,401,000 in realized gains for 2015, from $1,918,000 in realized gains for the comparable period in 2014. This increase in realized gains and losses on investments and other assets was primarily due to a $677,000 increase in gains and losses on other assets. This increase was partially offset by a $180,000 decrease in gains and losses on marketable securities, and a $14,000 decrease in gains and losses on fixed maturity securities held to maturity.

Other than temporary impairments on investments increased by $441,000, or 268.6%, to $605,000 for 2015 from $164,000 for the comparable period in 2014. This increase was due to a $192,000 increase in impairments on real estate held for investment and mortgage loans, and a $249,000 increase in impairments on marketable securities.

Mortgage fee income increased by $44,710,000, or 35.3%, to $171,517,000 for 2015, from $126,807,000 for the comparable period in 2014. This increase was primarily attributable to an increase in mortgage loan originations and higher secondary gains from loans held for sale.

Other revenues increased by $1,375,000, or 36.7%, to $5,122,000 for 2015 from $3,747,000 for the comparable period in 2014. This increase was due to an increase in mortgage servicing revenues.

Total benefits and expenses were $259,341,000, or 92.5% of total revenues, for 2015, as compared to $211,320,000, or 93.9% of total revenues, for the comparable period in 2014.

Death benefits, surrenders and other policy benefits, and future policy benefits increased by an aggregate of $2,912,000, or 6.1%, to $50,608,000 for 2015, from $47,696,000 for the comparable period in 2014. This increase was primarily the result of an increase of $4,058,000 in death benefits, which was partially offset by decreases of $848,000 in future policy benefits, and $298,000 in surrenders and other policy benefits.

Amortization of deferred policy and pre-need acquisition costs and value of business acquired decreased by $1,252,000, or 18.2%, to $5,641,000 for 2015, from $6,893,000 for the comparable period in 2014. This decrease was primarily due to improved persistency in the payment of premiums in the traditional life business.

Selling, general and administrative expenses increased by $44,946,000, or 29.6%, to $196,830,000 for 2015, from $151,884,000 for the comparable period in 2014. This increase was primarily due to a $21,526,000 increase in commission expenses, an $11,500,000 increase in personnel expenses, a $4,154,000 increase in other expenses, a $2,449,000 increase in the provision for loan losses, a $2,450,000 increase in costs related to funding mortgage loans, a $1,715,000 increase in rent and rent related expenses, and a $1,146,000 increase in advertising expenses.  These increased expenses in 2015 were primarily due to the additional costs and expenses associated with the Company's significant increases in the number of mortgage loan originations in 2015.

Interest expense increased by $1,464,000, or 48.9%, to $4,458,000 for 2015, from $2,994,000 for the comparable period in 2014. This increase was primarily due to an increase in outstanding balances on warehouse lines of credit that are used to fund mortgage loans.

Cost of goods and services sold of the cemeteries and mortuaries decreased by $50,000, or 2.7%, to $1,803,000 for 2015, from $1,853,000 for the comparable period in 2014. This decrease was primarily due to a decrease in mortuary at-need sales, which was offset by an increase in cemetery pre-need and at-need sales.

Other comprehensive income for the years ended December 31, 2015 and December 31, 2014 amounted to losses of $761,000 and $49,000, respectively. This decrease of $712,000 in 2015 was primarily the result of a $705,000 unrealized loss in marketable securities.
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Risks

The following is a description of the most significant risks facing the Company and how it mitigates those risks:

Legal and Regulatory Risks. Changes in the legal or regulatory environment in which the Company operates may create additional expenses and risks not anticipated by the Company in developing and pricing its products. Regulatory initiatives designed to reduce insurer profits, new legal theories or insurance company insolvencies through guaranty fund assessments may create costs for the insurer beyond those recorded in the consolidated financial statements. In addition, changes in tax law with respect to mortgage interest deductions or other public policy or legislative changes may affect the Company's mortgage sales. Also, the Company may be subject to further regulations in the cemetery and mortuary business. The Company mitigates these risks by offering a wide range of products and by diversifying its operations, thus reducing its exposure to any single product or jurisdiction, and also by employing underwriting practices that identify and minimize the adverse impact of such risks.

Mortgage Industry Risks. Developments in the mortgage industry and credit markets can adversely affect the Company's ability to sell its mortgage loans to investors, which can impact the Company's financial results by requiring it to assume the risk of holding and servicing any unsold loans.

The mortgage loan loss reserve is an estimate of probable losses at the balance sheet date that the Company could realize in the future on mortgage loans sold to third party investors. The Company's mortgage subsidiaries may be required to reimburse third party investors for costs associated with early payoff of loans within the first six months of such loans and to repurchase loans where there is a default in any of the first four monthly payments to the investors or, in lieu of repurchase, to pay a negotiated fee to the investors. The Company's estimates are based upon historical loss experience and the best estimate of the probable loan loss liabilities.

Upon completion of a transfer that satisfies the conditions to be accounted for as a sale, the Company initially measures at fair value liabilities incurred in a sale relating to any guarantee or recourse provisions. The initial allowance for loan losses in years ended December 31, 2016, 2015 and 2014 were $2,989,000, $2,846,000 and $2,053,000, respectively, and the charge has been included in mortgage fee income. Additional amounts accrued for changes in estimates specific to settlements for loan losses in years ended December 31, 2016, 2015 and 2014 were $1,700,000, $3,449,103 and $1,000,000, respectively, and the charge has been included in selling, general and administrative expenses. The estimated liability for indemnification losses is included in other liabilities and accrued expenses and, as of December 31, 2016 and 2015, the balances were $628,000 and $2,806,000, respectively. The Company believes the allowance for loan losses and the loan loss reserve represent probable loan losses incurred as of December 31, 2016. There is a risk, however, that future loan losses may exceed the loan loss reserves and allowances.

As of December 31, 2016, the Company's long term mortgage loan portfolio consisted of $3,184,000 in mortgage loans with delinquencies more than 90 days. Of this amount, $1,829,000 of the loans were in foreclosure proceedings. The Company has not received or recognized any interest income on the $3,184,000 in mortgage loans with delinquencies more than 90 days. During the twelve months ended December 31, 2016 and 2015, the Company decreased its allowance for mortgage losses by $99,000 and $31,000, respectively, which was charged to bad debt expense and included in selling, general and administrative expenses for the period. The allowances for mortgage loan losses as of December 31, 2016 and 2015 were $1,749,000 and $1,848,000, respectively.

At various times third party investors have asserted that SecurityNational Mortgage sold mortgage loans that allegedly contained borrower misrepresentations or experienced early payment defaults, or that were otherwise allegedly defective or not in compliance with loan purchase agreements involving SecurityNational Mortgage.  As a result of these claims, third party investors have made demands at times that SecurityNational Mortgage repurchase certain alleged defective mortgage loans that were sold to such investors or indemnify them against any losses related to such loans.

The total amount of potential claims by third party investors is difficult to determine.  The Company has reserved and accrued $628,000 as of December 31, 2016 to settle all such investor related claims.  The Company believes that the reserve for mortgage loan losses, which includes provisions for probable losses and indemnification on loans held for sale, is reasonable based on available information.  Moreover, the Company has successfully negotiated acceptable settlement terms with other third-party investors that asserted claims for mortgage loan losses against SecurityNational Mortgage.
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SecurityNational Mortgage disagrees with the repurchase demands and notices of potential claims from third party investors. Furthermore, SecurityNational Mortgage believes there is potential to resolve the alleged claims by the third-party investors on acceptable terms. If SecurityNational Mortgage is unable to resolve such claims on acceptable terms, legal action may ensue. In the event of legal action by any third-party investor, SecurityNational Mortgage believes it has significant defenses to any such action and intends to vigorously defend itself against such action.

Interest Rate Risk. The risk that interest rates will change which may cause a decrease in the value of the Company's investments or impair the ability of the Company to market its mortgage and cemetery/mortuary products. This change in rates may cause certain interest-sensitive products to become uncompetitive or may cause disintermediation. The Company mitigates this risk by charging fees for non-conformance with certain policy provisions, by offering products that transfer this risk to the purchaser, and by attempting to match the maturity schedule of its assets with the expected payouts of its liabilities. To the extent that liabilities come due more quickly than assets mature, the Company might have to borrow funds or sell assets prior to maturity and potentially recognize a loss on the sale.

Mortality and Morbidity Risks. The risk that the Company's actuarial assumptions may differ from actual mortality and morbidity experiences may cause the Company's products to be underpriced, may cause the Company to liquidate insurance or other claims earlier than anticipated, and other potentially adverse consequences to the business. The Company minimizes this risk through sound underwriting practices, asset and liability duration matching, and sound actuarial practices.

Estimates.  The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. Actual results could differ from those estimates.

Material estimates that are particularly susceptible to significant changes in the near term are those used in determining the value of derivative assets and liabilities, those used in determining deferred acquisition costs and the value of business acquired, those used in determining the value of mortgage loans foreclosed to real estate held for investment, those used in determining the liability for future policy benefits and unearned revenue, those used in determining the estimated future costs for pre-need sales, those used in determining the value of mortgage servicing rights, those used in determining allowances for loan losses for mortgage loans on real estate, those used in determining loan loss reserve, and those used in determining deferred tax assets and liabilities. Although some variability is inherent in these estimates, management believes the amounts provided are fairly stated in all material respects.

Liquidity and Capital Resources

The Company's life insurance subsidiaries and cemetery and mortuary subsidiaries realize cash flow from premiums, contract payments and sales on personal services rendered for cemetery and mortuary business, from interest and dividends on invested assets, and from the proceeds from the maturity of held to maturity investments or sale of other investments. The mortgage subsidiaries realize cash flow from fees generated by originating and refinancing mortgage loans and interest earned on mortgages sold to investors. The Company considers these sources of cash flow to be adequate to fund future policyholder and cemetery and mortuary liabilities, which generally are long-term, and adequate to pay current policyholder claims, annuity payments, expenses related to the issuance of new policies, the maintenance of existing policies, debt service, and to meet current operating expenses.

During the twelve months ended December 31, 2016, the Company's operations provided cash of $35,535,000. This was primarily due to an increase in cash collected on loans held for sale. During the twelve months ended December 31, 2015, the Company's operations used cash of $28,113,000. This was primarily due to an increase in cash paid on loans held for sale.

The Company's liability for future life, annuity and other benefits is expected to be paid out over the long-term due to the Company's market niche of selling funeral plans. Funeral plans are small face value life insurance that will pay the costs and expenses incurred at the time of a person's death. A person generally will keep these policies in force and will not surrender them prior to a person's death. Because of the long-term nature of these liabilities, the Company is able to hold to maturity its bonds, real estate and mortgage loans thus reducing the risk of liquidating these long-term investments as a result of any sudden changes in market values.

The Company attempts to match the duration of invested assets with its policyholder and cemetery and mortuary liabilities. The Company may sell investments other than those held to maturity in the portfolio to help in this timing. The Company purchases short-term investments on a temporary basis to meet the expectations of short-term requirements of the Company's products. The Company's investment philosophy is intended to provide a rate of return, which will persist during the expected duration of policyholder and cemetery and mortuary liabilities regardless of future interest rate movements.
27

The Company's investment policy is also to invest predominantly in fixed maturity securities, real estate, mortgage loans, and warehousing of mortgage loans on a short-term basis before selling the loans to investors in accordance with the requirements and laws governing the life insurance subsidiaries. Bonds owned by the insurance subsidiaries amounted to $184,356,000 and $144,946,000 as of December 31, 2016 and 2015, respectively. This represents 33.1% and 32.9% of the total investments as of December 31, 2016, and 2015, respectively. Generally, all bonds owned by the life insurance subsidiaries are rated by the National Association of Insurance Commissioners. Under this rating system, there are six categories used for rating bonds. At December 31, 2016, 9.0% (or $16,513,000) and at December 31, 2015, 8.3% (or $11,990,000) of the Company's total bond investments were invested in bonds in rating categories three through six, which are considered non‑investment grade.

The Company has classified certain of its fixed income securities, including high-yield securities, in its portfolio as available for sale, with the remainder classified as held to maturity. In accordance with Company policy, however, any such securities purchased in the future will be classified as held to maturity. Notwithstanding, business conditions may develop in the future which may indicate a need for a higher level of liquidity in the investment portfolio. In that event, the Company believes it could sell short-term investment grade securities before liquidating higher yielding longer-term securities.

See Note 2 of the Notes to Consolidated Financial Statements for the schedule of the maturity of fixed maturity securities and for the schedule of principal payments for mortgage loans on real estate and construction loans held for investment.

If market conditions were to cause interest rates to change, the market value of the Company's fixed income portfolio, which includes bonds, preferred stock, and mortgage loans, could change by the following amounts based on the respective basis point swing (the change in the market values were calculated using a modeling technique):

 
-200 bps
   
-100 bps
   
+100 bps
   
+200 bps
 
Change in Market Value (in thousands)
 
$
28,572
   
$
13,491
   
$
(17,119
)
 
$
(30,069
)

The Company is subject to risk based capital guidelines established by statutory regulators requiring minimum capital levels based on the perceived risk of assets, liabilities, disintermediation, and business risk. At December 31, 2016 and 2015, the life insurance subsidiaries exceeded the regulatory criteria.

The Company's total capitalization of stockholders' equity, and bank loans and notes payable were $284,700,000 as of December 31, 2016, as compared to $248,722,000 as of December 31, 2015. Stockholders' equity as a percent of total capitalization was 46.6% and 47.3% as of December 31, 2016 and December 31, 2015, respectively. Bank loans and notes payable increased by $12,810,000 for the twelve months ended December 31, 2016 as compared to December 31, 2015, thus decreasing the stockholders' equity percentage.

Lapse rates measure the amount of insurance terminated during a particular period. The Company's lapse rate for life insurance was 9.6% in 2016 as compared to a rate of 7.4% for 2015.

At December 31, 2016, $44,055,000 of the Company's consolidated stockholders' equity represents the statutory stockholders' equity of the Company's life insurance subsidiaries. The life insurance subsidiaries cannot pay a dividend to its parent company without the approval of state insurance regulatory authorities.

Forward-Looking Statements

The Private Securities Litigation Reform Act of 1995 provides a safe harbor for forward-looking statements to encourage companies to provide prospective information about their businesses without fear of litigation so long as those statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those projected in such statements. The Company desires to take advantage of the "safe harbor" provisions of the act.

This Annual Report on Form 10-K/A contains forward-looking statements, together with related data and projections, about the Company's projected financial results and its future plans and strategies. However, actual results and needs of the Company may vary materially from forward-looking statements and projections made from time to time by the Company on the basis of management's then-current expectations. The business in which the Company is engaged involves changing and competitive markets, which may involve a high degree of risk, and there can be no assurance that forward-looking statements and projections will prove accurate.
28

Factors that may cause the Company's actual results to differ materially from those contemplated or projected, forecast, estimated or budgeted in such forward looking statements include among others, the following possibilities: (i) heightened competition, including the intensification of price competition, the entry of new competitors, and the introduction of new products by new and existing competitors; (ii) adverse state and federal legislation or regulation, including decreases in rates, limitations on premium levels, increases in minimum capital and reserve requirements, benefit mandates and tax treatment of insurance products; (iii) fluctuations in interest rates causing a reduction of investment income or increase in interest expense and in the market value of interest rate sensitive investment; (iv) failure to obtain new customers, retain existing customers or reductions in policies in force by existing customers; (v) higher service, administrative, or general expense due to the need for additional advertising, marketing, administrative or management information systems expenditures; (vi) loss or retirement of key executives or employees; (vii) increases in medical costs; (viii) changes in the Company's liquidity due to changes in asset and liability matching; (ix) restrictions on insurance underwriting based on genetic testing and other criteria; (x) adverse changes in the ratings obtained by independent rating agencies; (xi) failure to maintain adequate reinsurance; (xii) possible claims relating to sales practices for insurance products and claim denials and (xiii) adverse trends in mortality and morbidity; (xiv) deterioration of real estate markets and (xv) lawsuits in the ordinary course of business.
 
Off-Balance Sheet Agreements
 
At December 31, 2016, the Company was contingently liable under a standby letter of credit aggregating $560,350, to be used as collateral to cover any contingency related to additional risk assessments pertaining to the Company's captive insurance program. The Company does not expect any material losses to result from the issuance of the standby letter of credit because claims are not expected to exceed premiums paid. Accordingly, the estimated fair value of this letter of credit is zero.

At December 31, 2016, the Company was contingently liable under standby letters of credit aggregating $1,250,000, to be used as collateral to cover any contingency related to claims filed in states where the Company's mortgage segment is licensed. The Company does not expect any material losses to result from the issuance of these standby letters of credit. Accordingly, the estimated fair value of these letters of credit is zero.

At December 31, 2016, the Company was contingently liable under a standby letter of credit aggregating $48,220, issued as a security deposit to guarantee payment of final bills for electric and gas utility services for a commercial real estate property owned by the Company in Wichita, Kansas. The Company does not expect any material losses to result from the issuance of the standby letter of credit. Accordingly, the estimated fair value of this letter of credit is zero.

The total of the Company's unfunded residential construction loan and land development loan commitments as of December 31, 2016, was $15,622,000.

The Company entered into a Construction Loan Agreement between Key Bank National Association and 5300 Development LLC, the Company's wholly owned subsidiary. Under the terms of this Agreement, the Company agrees to pay Key Bank the current outstanding principal up to $40,740,000 plus interest. These funds are being used for the construction of phase 1 of the Company's new corporate campus development in Salt Lake City Utah. As of December 31, 2016, the Company has used $8,778,000 of these funds.
29

Contractual Obligations

The Company's contractual obligations as of December 31, 2016, and the payments due by period are shown in the following table:
 
   
Less than
1 year
   
1-3 years
   
4-5 years
   
over
5 years
   
Total
 
Non-cancelable operating leases
 
$
6,556,093
   
$
7,857,212
   
$
534,151
   
$
37,438
   
$
14,984,894
 
Bank and other loans payable
   
101,177,574
     
37,668,543
     
4,502,845
     
8,791,717
     
152,140,679
 
   
$
107,733,667
   
$
45,525,755
   
$
5,036,996
   
$
8,829,155
   
$
167,125,573
 

Casualty Insurance Program

In conjunction with the Company's casualty insurance program, limited equity interests are held in a captive insurance entity. This program permits the Company to self-insure a portion of losses, to gain access to a wide array of safety-related services, to pool insurance risks and resources in order to obtain more competitive pricing for administration and reinsurance and to limit its risk of loss in any particular year. The maximum exposure to loss related to the Company's involvement with this entity is limited to approximately $560,350 which is collateralized under a standby letter of credit issued on the insurance entity's behalf. See Note 9, "Reinsurance, Commitments and Contingencies," for additional discussion of commitments associated with the insurance program and Note 1, "Significant Accounting Policies", for further information on a standby letter of credit.

Item 7A.  Quantitative and Qualitative Disclosures about Market Risk

As a smaller reporting company, the Company is not required to provide information typically disclosed under this item.

Item 8.  Financial Statements and Supplementary Data

INDEX TO CONSOLIDATED FINANCIAL STATEMENTS
 
   
Page No.
Financial Statements:
 
   
 
Report of Independent Registered Public Accounting Firm
31
     
 
Consolidated Balance Sheets, December 31, 2016 and 2015 (As Restated)
32
     
 
Consolidated Statements of Earnings for the Years Ended December 31, 2016, 2015 and 2014 (As Restated)
34
     
 
Consolidated Statements of Comprehensive Income for the Years Ended December 31, 2016, 2015 and 2014 (As Restated)
35
     
 
Consolidated Statements of Stockholders' Equity for the Years Ended December 31, 2016, 2015 and 2014 (As Restated)
36
     
 
Consolidated Statements of Cash Flows for the Years Ended December 31, 2016, 2015 and 2014 (As Restated)
37
     
 
Notes to Consolidated Financial Statements (As Restated)
39


30


 



REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM



To the Board of Directors and the Shareholders
Security National Financial Corporation


We have audited the accompanying consolidated balance sheets of Security National Financial Corporation and Subsidiaries as of December 31, 2016 and 2015, and the related consolidated statements of earnings, comprehensive income, stockholders' equity, and cash flows for each of the years in the three-year period ended December 31, 2016. Our audits also included the financial statements Schedule II, Schedule IV and Schedule V. The Company's management is responsible for these consolidated financial statements and schedules. Our responsibility is to express an opinion on these consolidated financial statements and schedules based on our audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audits to obtain reasonable assurance about whether the financial statements are free of material misstatement. The Company is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. Our audits included consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the company's internal control over financial reporting. Accordingly, we express no such opinion. An audit also includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the consolidated financial position of Security National Financial Corporation and Subsidiaries as of December 31, 2016 and 2015, and the consolidated results of their earnings and their cash flows for each of the years in the three-year period ended December 31, 2016 in conformity with accounting principles generally accepted in the United States of America.

As discussed in Note 21, subsequent to the issuance of the Company's financial statements as of December 31, 2016 and 2015, and for the three-year period ended December 31, 2016, and our report thereon dated March 31, 2017, we became aware that those financial statements contained errors related to purchase agreements for mortgage loans and the tax valuation allowance, as well as related disclosures and a number of other matters. In our original report we expressed an unmodified opinion on these financial statements, and our opinion on the revised statements, as expressed herein, remains unmodified.


Salt Lake City, Utah
March 31, 2017, except for Note 21, for which the date is August 25, 2017

www.eidebailly.com


5 Triad Center, Ste. 750  |  Salt Lake City, UT 84180-1128  |  T 801.532.2200  |  F 801.532.7944  |  EOE
31

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS

   
December 31
 
Assets
 
2016
(As Restated)
   
2015
(As Restated)
 
Investments:
           
Fixed maturity securities, held to maturity, at amortized cost
 
$
184,979,644
   
$
145,558,425
 
Equity securities, available for sale, at estimated fair value
   
10,573,356
     
8,431,090
 
Mortgage loans on real estate and construction loans held for investment, net of allowances for loan losses of $1,748,783 and $1,848,120 for 2016 and 2015
   
149,181,578
     
112,546,905
 
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015
   
145,165,921
     
114,852,432
 
Policy loans and other investments, net of allowances for doubtful accounts of $1,119,630 and $906,616 for 2016 and 2015
   
40,937,146
     
39,582,421
 
Short-term investments
   
27,560,040
     
16,915,808
 
Accrued investment income
   
2,972,596
     
2,553,819
 
Total investments
   
561,370,281
     
440,440,900
 
Cash and cash equivalents
   
38,987,430
     
40,053,242
 
Loans held for sale
   
189,139,832
     
211,453,006
 
Receivables, net
   
6,373,364
     
6,060,994
 
Restricted assets
   
10,391,394
     
9,359,802
 
Cemetery perpetual care trust investments
   
4,131,885
     
2,848,759
 
Receivable from reinsurers
   
13,079,668
     
13,400,527
 
Cemetery land and improvements
   
10,672,836
     
10,780,996
 
Deferred policy and pre-need contract acquisition costs
   
69,118,745
     
59,004,909
 
Mortgage servicing rights, net
   
18,872,362
     
12,679,755
 
Property and equipment, net
   
8,791,522
     
11,441,660
 
Value of business acquired
   
7,570,300
     
8,743,773
 
Goodwill
   
2,765,570
     
2,765,570
 
Other
   
10,413,394
     
11,439,273
 
Total Assets
 
$
951,678,583
   
$
840,473,166
 

See accompanying notes to consolidated financial statements.
32

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS (Continued)

   
December 31
 
Liabilities and Stockholders' Equity
 
2016
(As Restated)
   
2015
(As Restated)
 
Liabilities
           
Future life, annuity, and other benefits
 
$
584,067,692
   
$
515,789,254
 
Unearned premium reserve
   
4,469,771
     
4,737,305
 
Bank and other loans payable
   
152,140,679
     
131,005,614
 
Deferred pre-need cemetery and mortuary contract revenues
   
12,360,249
     
12,816,227
 
Cemetery perpetual care obligation
   
3,598,580
     
3,465,771
 
Accounts payable
   
4,213,109
     
3,502,046
 
Other liabilities and accrued expenses
   
33,950,503
     
31,027,381
 
Income taxes
   
24,318,869
     
20,412,889
 
Total liabilities
   
819,119,452
     
722,756,487
 
Stockholders' Equity
               
Preferred Stock:
               
Preferred stock - non-voting-$1.00 par value; 5,000,000 shares authorized; none issued or outstanding
   
-
     
-
 
Common Stock:
               
Class A: common stock - $2.00 par value; 20,000,000 shares authorized; issued 13,819,006 shares in 2016 and 13,109,100 shares in 2015
   
27,638,012
     
26,218,200
 
Class B: non-voting common stock - $1.00 par value; 5,000,000 shares authorized; none issued or outstanding
   
-
     
-
 
Class C: convertible common stock - $2.00 par value; 3,000,000 shares authorized; issued 1,902,229 shares in 2016 and 1,709,640 shares in 2015
   
3,804,458
     
3,419,280
 
Additional paid-in capital
   
34,813,246
     
30,232,582
 
Accumulated other comprehensive income, net of taxes
   
264,822
     
(499,358
)
Retained earnings
   
67,409,204
     
60,525,404
 
Treasury stock, at cost - 704,122 Class A shares and -0- Class C shares in 2016; 930,546 Class A shares and -0- Class C shares in 2015
   
(1,370,611
)
   
(2,179,429
)
Total stockholders' equity
   
132,559,131
     
117,716,679
 
Total Liabilities and Stockholders' Equity
 
$
951,678,583
   
$
840,473,166
 

See accompanying notes to consolidated financial statements.
33

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF EARNINGS

   
Years Ended December 31
 
   
2016
(As Restated)
   
2015
(As Restated)
   
2014
(As Restated)
 
Revenues:
                 
Insurance premiums and other considerations
 
$
64,501,017
   
$
56,409,863
   
$
53,008,679
 
Net investment income
   
37,582,444
     
34,007,904
     
28,303,740
 
Net mortuary and cemetery sales
   
12,267,640
     
11,502,045
     
11,426,308
 
Realized gains on investments and other assets
   
(176,387
)
   
2,401,359
     
1,918,176
 
Other than temporary impairments
   
(270,358
)
   
(605,430
)
   
(164,240
)
Mortgage fee income
   
183,542,796
     
171,517,284
     
126,807,473
 
Other
   
6,887,749
     
5,121,807
     
3,747,013
 
Total revenues
   
304,334,901
     
280,354,832
     
225,047,149
 
                         
Benefits and expenses:
                       
Death benefits
   
31,033,222
     
31,158,281
     
27,100,278
 
Surrenders and other policy benefits
   
2,354,158
     
2,391,612
     
2,689,686
 
Increase in future policy benefits
   
21,322,195
     
17,057,764
     
17,905,914
 
                       
Amortization of deferred policy and pre-need acquisition costs and value of business acquired
   
8,003,175
     
5,641,293
     
6,892,978
 
Selling, general and administrative expenses:
                       
Commissions
   
88,634,494
     
80,900,618
     
59,374,542
 
Personnel
   
70,254,479
     
60,860,275
     
49,360,406
 
Advertising
   
6,425,277
     
5,730,197
     
4,584,436
 
Rent and rent related
   
8,061,598
     
7,850,776
     
6,135,876
 
Depreciation on property and equipment
   
2,182,724
     
2,183,496
     
2,177,165
 
Provision for loan loss reserve
   
1,700,000
     
3,449,103
     
1,000,000
 
Costs related to funding mortgage loans
   
9,191,488
     
8,901,511
     
6,451,319
 
Other
   
28,569,949
     
26,954,378
     
22,800,066
 
Interest expense
   
5,111,868
     
4,458,612
     
2,994,429
 
Cost of goods and services sold – mortuaries and cemeteries
   
1,787,043
     
1,803,444
     
1,853,103
 
                         
Total benefits and expenses
   
284,631,670
     
259,341,360
     
211,320,198
 
                         
Earnings before income taxes
   
19,703,231
     
21,013,472
     
13,726,951
 
Income tax expense
   
(7,514,604
)
   
(7,662,031
)
   
(5,510,119
)
                         
Net earnings
 
$
12,188,627
   
$
13,351,441
   
$
8,216,832
 
                         
Net earnings per Class A equivalent common share (1)
 
$
0.82
   
$
0.92
   
$
0.59
 
                         
Net earnings per Class A equivalent common share - assuming dilution(1)
 
$
0.81
   
$
0.89
   
$
0.57
 
                       
Weighted average Class A equivalent common shares outstanding (1)
   
14,806,290
     
14,439,274
     
13,893,260
 
                       
Weighted average Class A equivalent common shares outstanding-assuming dilution (1)
   
15,127,204
     
14,951,833
     
14,344,475
 


(1)
Earnings per share amounts have been adjusted retroactively for the effect of annual stock dividends. The weighted-average shares outstanding includes the weighted-average Class A common shares and the weighted-average Class C common shares determined on an equivalent Class A common stock basis. Class C common shares have been adjusted retroactively for the effect of the 1-for-10 reverse stock split that was approved by the stockholders in 2014. Net earnings per common share represent net earnings per equivalent Class A common share. Net earnings per Class C common share is $6.68, $7.99 and $5.48 per share for 2016, 2015 and 2014, respectively, and $6.19, $6.88 and $4.55 per share-assuming dilution for 2016, 2015 and 2014, respectively.

See accompanying notes to consolidated financial statements.
34

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

   
Years Ended December 31
 
   
2016
(As Restated)
   
2015
(As Restated)
   
2014
(As Restated)
 
Net earnings
 
$
12,188,627
   
$
13,351,441
   
$
8,216,832
 
Other comprehensive income:
                       
Changes in:
                       
  Net unrealized gains on derivative instruments
   
6,490
     
10,628
     
16,433
 
  Net unrealized gains (losses) on available for sale securities
   
757,690
     
(771,343
)
   
(65,848
)
Other comprehensive gain (loss)
   
764,180
     
(760,715
)
   
(49,415
)
Comprehensive income
 
$
12,952,807
   
$
12,590,726
   
$
8,167,417
 


See accompanying notes to consolidated financial statements.
35

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY
For the Years Ended December 31, 2016, 2015 and 2014

   
Class A
 Common Stock
   
Class C
Common Stock
   
Additional
 Paid-in Capital
   
Accumulated
 Other Comprehensive Income (Loss)
   
Retained
Earnings
   
Treasury
Stock
   
Total
 
Balance at January 1, 2014, (As Previously Reported)
 
$
23,614,574
   
$
2,660,382
   
$
23,215,875
   
$
310,772
   
$
40,574,211
   
$
(2,624,625
)
 
$
87,751,189
 
             
.
                                         
Prior period adjustment (see Note 21)
   
-
     
-
     
-
     
-
     
6,405,271
     
-
     
6,405,271
 
                                                         
Balance at January 1, 2014 (As Restated)
   
23,614,574
     
2,660,382
     
23,215,875
     
310,772
     
46,979,482
     
(2,624,625
)
   
94,156,460
 
                                                         
Net earnings (As Restated)
   
-
     
-
     
-
     
-
     
8,216,832
     
-
     
8,216,832
 
Other comprehensive loss
   
-
     
-
     
-
     
(49,415
)
   
-
     
-
     
(49,415
)
Stock based compensation
   
-
     
-
     
391,220
     
-
     
-
             
391,220
 
Reverse stock split true up
   
-
     
30
     
-
     
-
     
(30
)
   
-
     
-
 
Exercise of stock options
   
108,824
     
-
     
(34,800
)
   
-
     
-
     
-
     
74,024
 
Sale of treasury stock
   
-
     
-
     
361,679
     
-
     
-
     
538,171
     
899,850
 
Stock dividends
   
1,190,040
     
132,767
     
1,997,147
     
-
     
(3,319,954
)
   
-
     
-
 
Conversion Class C to Class A
   
5,042
     
(5,041
)
   
(2
)
   
-
     
1
     
-
     
-
 
Balance at December 31, 2014, (As Restated)
   
24,918,480
     
2,788,138
     
25,931,119
     
261,357
     
51,876,331
     
(2,086,454
)
   
103,688,971
 
                                                         
Net earnings (As Restated)
   
-
     
-
     
-
     
-
     
13,351,441
     
-
     
13,351,441
 
Other comprehensive loss
   
-
     
-
     
-
     
(760,715
)
   
-
     
-
     
(760,715
)
Stock based compensation
   
-
     
-
     
387,608
     
-
     
-
     
-
     
387,608
 
Exercise of stock options
   
47,922
     
483,304
     
(55,717
)
   
-
     
-
     
(441,832
)
   
33,677
 
Sale of treasury stock
   
-
     
-
     
666,840
     
-
     
-
     
530,396
     
1,197,236
 
Purchase of treasury stock
   
-
     
-
     
-
     
-
     
-
     
(181,539
)
   
(181,539
)
Stock dividends
   
1,248,966
     
150,670
     
3,302,732
     
-
     
(4,702,368
)
   
-
     
-
 
Conversion Class C to Class A
   
2,832
     
(2,832
)
   
-
     
-
     
-
     
-
     
-
 
Balance at December 31, 2015, (As Restated)
   
26,218,200
     
3,419,280
     
30,232,582
     
(499,358
)
   
60,525,404
     
(2,179,429
)
   
117,716,679
 
                                                         
Net earnings (As Restated)
   
-
     
-
     
-
     
-
     
12,188,627
     
-
     
12,188,627
 
Other comprehensive income
   
-
     
-
     
-
     
764,180
     
-
     
-
     
764,180
 
Stock based compensation
   
-
     
-
     
343,577
     
-
     
-
     
-
     
343,577
 
Exercise of stock options
   
85,268
     
209,950
     
(179,112
)
   
-
     
-
     
-
     
116,106
 
Sale of treasury stock
   
-
     
-
     
621,144
     
-
     
-
     
808,818
     
1,429,962
 
Stock dividends
   
1,315,838
     
193,934
     
3,795,055
     
-
     
(5,304,827
)
   
-
     
-
 
Conversion Class C to Class A
   
18,706
     
(18,706
)
   
-
     
-
     
-
     
-
     
-
 
Balance at December 31, 2016, (As Restated)
 
$
27,638,012
   
$
3,804,458
   
$
34,813,246
   
$
264,822
   
$
67,409,204
   
$
(1,370,611
)
 
$
132,559,131
 

See accompanying notes to consolidated financial statements.
36

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS
 
     
Years Ended December 31   
 
     
2016
(As Restated)
   
2015
(As Restated)
   
2014
(As Restated)
 
Cash flows from operating activities:
                 
Net earnings
 
$
12,188,627
   
$
13,351,441
   
$
8,216,832
 
Adjustments to reconcile net earnings to net cash provided by (used in) operating activities:
 
Realized losses (gains) on investments and other assets
   
176,387
     
(2,401,359
)
   
(1,918,176
)
Other than temporary impairments
   
270,358
     
605,430
     
164,240
 
Depreciation
   
5,579,259
     
5,023,985
     
4,389,472
 
Provision for loan losses and doubtful accounts
   
1,188,599
     
524,237
     
743,386
 
Amortization of premiums and discounts
   
653,761
     
269,681
     
238,687
 
Provision for deferred and other income taxes
   
6,130,644
     
4,826,010
     
3,856,456
 
Policy and pre-need acquisition costs deferred
   
(16,943,538
)
   
(13,061,573
)
   
(10,159,895
)
Policy and pre-need acquisition costs amortized
   
6,829,702
     
4,364,167
     
5,590,332
 
Value of business acquired amortized
   
1,173,473
     
1,277,126
     
1,302,646
 
Servicing asset at amortized cost, additions
   
(8,603,154
)
   
(6,217,551
)
   
(3,741,381
)
Amortization of mortgage servicing rights
   
2,410,547
     
1,372,543
     
750,735
 
Stock based compensation expense
   
343,577
     
387,608
     
391,220
 
Benefit plans funded with treasury stock
   
1,429,962
     
1,197,236
     
899,850
 
Loans originated for sale
   
(3,098,710,299
)
   
(2,861,404,239
)
   
(2,044,909,613
)
Proceeds from loans sold
   
3,246,127,714
     
2,933,300,742
     
2,102,740,825
 
Net gains on loans sold
   
(137,682,984
)
   
(131,130,447
)
   
(93,144,155
)
Change in assets and liabilities:
                       
Land and improvements held for sale
   
108,160
     
67,089
     
(216,512
)
Future life and other benefits
   
17,989,595
     
15,078,397
     
13,930,657
 
Other operating assets and liabilities
   
(5,125,376
)
   
4,456,090
     
(1,589,164
)
Net cash provided by (used in) operating activities
   
35,535,014
     
(28,113,387
)
   
(12,463,558
)
Cash flows from investing activities:
                       
Securities held to maturity:
                       
Purchase - fixed maturity securities
   
(11,386,383
)
   
(22,604,453
)
   
(3,449,187
)
Calls and maturities - fixed maturity securities
   
15,343,488
     
11,952,402
     
11,850,864
 
Securities available for sale:
                       
Purchase - equity securities
   
(4,980,320
)
   
(9,336,175
)
   
(5,996,993
)
Sales - equity securities
   
4,523,034
     
6,559,555
     
3,851,664
 
Purchases of short-term investments
   
(18,228,912
)
   
(47,160,050
)
   
(18,587,022
)
Sales of short-term investments
   
12,943,083
     
57,188,522
     
3,663,246
 
Sales (purchases) of restricted assets
   
(981,433
)
   
(40,763
)
   
(2,628,764
)
Change in assets for perpetual care trusts
   
(1,215,778
)
   
(267,717
)
   
(230,921
)
Amount received for perpetual care trusts
   
132,809
     
59,053
     
140,587
 
Mortgage, policy, and other investments made
   
(469,593,661
)
   
(372,334,883
)
   
(286,974,069
)
Payments received for mortgage, policy, and other investments
   
446,242,429
     
371,254,833
     
267,763,998
 
Purchases of property and equipment
   
(3,566,511
)
   
(3,632,690
)
   
(1,520,443
)
Disposal of property and equipment
   
47,293
     
2,899,322
     
894,805
 
Purchases of real estate held for investment
   
(26,634,840
)
   
(16,725,475
)
   
(19,317,567
)
Sale of real estate held for investment
   
6,093,308
     
13,540,913
     
7,269,475
 
Cash received from reinsurance
   
-
     
24,020,215
     
13,553,864
 
Cash paid for purchase of subsidiaries, net of cash acquired
   
(4,328,520
)
   
-
     
(15,011,193
)
Net cash provided by (used in) investing activities
   
(55,590,914
)
   
15,372,609
     
(44,727,656
)
 
See accompanying notes to consolidated financial statements.
37

38
SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS
 
    
Years Ended December 31   
 
    
2016
(As Restated)
   
2015
(As Restated)
   
2014
(As Restated)
 
Cash flows from financing activities:
                 
Annuity contract receipts
 
$
11,349,276
   
$
10,172,170
   
$
10,051,662
 
Annuity contract withdrawals
   
(13,620,998
)
   
(12,273,707
)
   
(14,519,563
)
Proceeds from stock options exercised
   
116,106
     
33,677
     
74,024
 
Purchase of treasury stock
   
-
     
(181,539
)
   
-
 
Repayment of bank and other loans payable
   
(1,680,678
)
   
(1,967,197
)
   
(2,357,468
)
Proceeds from bank borrowings
   
14,500,950
     
13,873,157
     
13,115,348
 
Net change in warehouse line borrowings
   
8,325,432
     
12,282,139
     
43,479,367
 
Net cash provided by financing activities
   
18,990,088
     
21,938,700
     
49,843,370
 
Net change in cash and cash equivalents
   
(1,065,812
)
   
9,197,922
     
(7,347,844
)
Cash and cash equivalents at beginning of year
   
40,053,242
     
30,855,320
     
38,203,164
 
Cash and cash equivalents at end of year
 
$
38,987,430
   
$
40,053,242
   
$
30,855,320
 
                         
Supplemental Disclosure of Cash Flow Information:
                       
Cash paid during the year for:
                       
Interest (net of amount capitalized)
 
$
5,119,459
   
$
4,347,062
   
$
2,901,492
 
Income taxes
   
2,667,918
     
2,716,161
     
408,939
 
                         
Non Cash Investing and Financing Activities:
                       
Transfer of loans held for sale to mortgage loans held for investment
 
$
12,578,743
   
$
-
   
$
2,282,899
 
Accrued real estate construction costs and retainage
   
7,358,922
     
-
     
-
 
Mortgage loans foreclosed into real estate
   
2,075,714
     
3,246,712
     
981,820
 
                         
See Note 19 regarding non cash transactions included in the acquisitions of First Guaranty Insurance Company and American Funeral Financial.
 
 
See accompanying notes to consolidated financial statements.
38
SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

1)  Significant Accounting Policies

General Overview of Business

Security National Financial Corporation and its wholly owned subsidiaries (the "Company") operate in three main business segments: life insurance, cemetery and mortuary, and mortgages. The life insurance segment is engaged in the business of selling and servicing selected lines of life insurance, annuity products and accident and health insurance marketed primarily in the intermountain west, California and eleven southern states. The cemetery and mortuary segment of the Company consists of eight mortuaries and five cemeteries in Utah and one cemetery in California. The mortgage segment is an approved government and conventional lender that originates and underwrites residential and commercial loans for new construction, existing homes and real estate projects primarily in Florida, Nevada, Texas, and Utah.

Basis of Presentation

The accompanying consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP). The presentation of certain amounts in prior years has been reclassified to conform to the 2016 presentation.

Principles of Consolidation

These consolidated financial statements include the financial statements of the Company and its majority owned subsidiaries. All intercompany transactions and accounts have been eliminated in consolidation.

Use of Estimates

Management of the Company has made a number of estimates and assumptions related to the reported amounts of assets and liabilities, reported amounts of revenues and expenses, and the disclosure of contingent assets and liabilities to prepare these financial statements in conformity with generally accepted accounting principles. Actual results could differ from those estimates.

Material estimates that are particularly susceptible to significant changes in the near term are those used in determining the value of derivative assets and liabilities, those used in determining deferred acquisition costs and the value of business acquired, those used in determining the value of mortgage loans foreclosed to real estate held for investment, those used in determining the liability for future policy benefits and unearned revenue, those used in determining the estimated future costs for pre-need sales, those used in determining the value of mortgage servicing rights, those used in determining allowances for loan losses for mortgage loans on real estate, those used in determining loan loss reserve, and those used in determining deferred tax assets and liabilities. Although some variability is inherent in these estimates, management believes the amounts provided are fairly stated in all material respects.

Investments

The Company's management determines the appropriate classifications of investments in fixed maturity securities and equity securities at the acquisition date and re-evaluates the classifications at each balance sheet date.

Fixed maturity securities held to maturity are carried at cost, adjusted for amortization of premium or accretion of discount. Although the Company has the ability and intent to hold these investments to maturity, infrequent and unusual conditions could occur under which it would sell certain of these securities. Those conditions include unforeseen changes in asset quality, significant changes in tax laws, and changes in regulatory capital requirements or permissible investments.

Equity securities available for sale are carried at estimated fair value. Changes in fair values net of income taxes are reported as unrealized appreciation or depreciation and recorded as an adjustment directly to stockholders' equity and, accordingly, have no effect on net income.

Mortgage loans on real estate and construction loans held for investment are carried at their unpaid principal balances adjusted for charge-offs and the related allowance for loan losses. The Company defers related material loan origination fees, net of related direct loan origination costs, and amortizes the net fees over the term of the loans.
39

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

1)  Significant Accounting Policies (Continued)
 
Mortgage loans are collateral dependent and require an appraisal at the time of underwriting and funding.  Generally, the Company will fund a loan not to exceed 80% of the loan's collateral fair market value.  Amounts over 80% will require additional collateral or mortgage insurance by an approved third-party insurer.  Once a loan is deemed to be impaired the Company will review the market value of the collateral and provide an allowance for any impairment.

Real estate held for investment is carried at cost, less accumulated depreciation provided on a straight‑line basis over the estimated useful lives of the properties, or is adjusted to a new basis for impairment in value, if any. Included are foreclosed properties which the Company intends to hold for investment purposes.  These properties are recorded at the lower of cost or fair value upon foreclosure.

Policy loans and other investments are carried at the aggregate unpaid balances, less allowances for possible losses.

Short-term investments are carried at cost and consist of certificates of deposit and commercial paper with maturities of up to one year.

Realized gains and losses on investments arise when investments are sold (as determined on a specific identification basis) or are other-than-temporarily impaired. If in management's judgment a decline in the value of an investment below cost is other-than-temporary, the cost of the investment is written down to fair value with a corresponding charge to earnings. Factors considered in judging whether an impairment is other-than-temporary include: the financial condition, business prospects and credit worthiness of the issuer, the length of time that fair value has been less than cost, the relative amount of the decline, and the Company's ability and intent to hold the investment until the fair value recovers, which is not assured.

Cash and Cash Equivalents

For purposes of the statement of cash flows, the Company considers all highly liquid debt instruments purchased with an original maturity of three months or less to be cash equivalents. The Company maintains its cash in bank deposit accounts, which at times exceed federally insured limits. The Company has not experienced any losses in such accounts and believes it is not exposed to any significant credit risk on cash and cash equivalents.

Loans Held for Sale

Loans held for sale are carried at the lower of cost or market and include the amounts due from third party investors. Loans held for sale are also shown net of direct selling revenues and costs. Based on the short-term nature of these assets, the Company has no related allowance for loan losses recorded for these assets.

Restricted Assets

Restricted assets are assets held in a trust account for future mortuary services and merchandise and consist of cash; participations in mortgage loans with Security National Life; mutual funds carried at cost; equity securities carried at fair market value; and a surplus note with Security National Life. Restricted cash also represents escrows held for borrowers and investors under servicing and appraisal agreements relating to mortgage loans, funds held by warehouse banks in accordance with loan purchase agreements and funds held in escrow for certain real estate construction development projects. Additionally, the Company elected to fund its medical benefit safe-harbor limit based on 35 percent of the qualified direct costs for the preceding year, and has included this amount as a component of restricted cash.

Cemetery Perpetual Care Trust Investments

Cemetery endowment care trusts have been set up for four of the six cemeteries owned by the Company. Of the six cemeteries owned by the Company, four cemeteries are endowment care properties. Under endowment care arrangements a portion of the price for each lot sold is withheld and invested in a portfolio of investments similar to those described in the prior paragraph. The earnings stream from the investments is designed to fund future maintenance and upkeep of the cemetery.
40

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

1)  Significant Accounting Policies (Continued)
 
Cemetery Land and Improvements

The development of a cemetery involves not only the initial acquisition of raw land but the installation of roads, water lines, landscaping and other costs to establish a marketable cemetery lot. The costs of developing the cemetery are shown as an asset on the balance sheet. The amount on the balance sheet is reduced by the total cost assigned to the development of a particular lot when the criterion for recognizing a sale of that lot is met.

Property and Equipment

Property and equipment are recorded at cost. Depreciation is calculated principally on the straight-line method over the estimated useful lives of the assets which range from three to forty years. Leasehold improvements are amortized over the lesser of the useful life or remaining lease terms.

Recognition of Insurance Premiums and Other Considerations

Premiums and other consideration for traditional life insurance products (which include those products with fixed and guaranteed premiums and benefits and consist principally of whole life insurance policies, limited payment life insurance policies, and certain annuities with life contingencies) are recognized as revenues when due from policyholders. Premiums and other consideration for interest-sensitive insurance policies (which include universal life policies, interest-sensitive life policies, deferred annuities, and annuities without life contingencies) are recognized when earned and consist of amounts assessed against policyholder account balances during the period for policy administration charges and surrender charges.

Deferred Policy Acquisition Costs and Value of Business Acquired

Commissions and other costs, net of commission and expense allowances for reinsurance ceded, that vary with and are primarily related to the production of new insurance business have been deferred. Deferred policy acquisition costs ("DAC") for traditional life insurance are amortized over the premium paying period of the related policies using assumptions consistent with those used in computing policy benefit reserves. For interest-sensitive insurance products, deferred policy acquisition costs are amortized generally in proportion to the present value of expected gross profits from surrender charges, investment, mortality and expense margins. This amortization is adjusted when estimates of current or future gross profits to be realized from a group of products are reevaluated. Deferred acquisition costs are written off when policies lapse or are surrendered.

The Company follows accounting principles generally accepted in the United States of America when accounting for DAC on internal replacements of insurance and investment contracts. An internal replacement is a modification in product benefits, features, rights or coverage that occurs by the exchange of a contract for a new contract, or by amendment, endorsement, or rider to contract, or by the election of a feature or coverage within a contract. Modifications that result in a replacement contract that is substantially changed from the replaced contract are accounted for as an extinguishment of the replaced contract. Unamortized DAC, unearned revenue liabilities and deferred sales inducements from the replaced contract are written-off. Modifications that result in a contract that is substantially unchanged from the replaced contract are accounted for as a continuation of the replaced contract.

Value of business acquired is the present value of estimated future profits of the acquired business and is amortized similar to deferred policy acquisition costs.

Mortgage Servicing Rights

Mortgage Service Rights (MSR) arise from contractual agreements between the Company and third-party investors (or their agents) when mortgage loans are sold. Under these contracts, the Company is obligated to retain and provide loan servicing functions on loans sold, in exchange for fees and other remuneration. The servicing functions typically performed include, among other responsibilities, collecting and remitting loan payments; responding to borrower inquiries; accounting for principal and interest, holding custodial (impound) funds for payment of property taxes and insurance premiums; counseling delinquent mortgagors; and supervising the acquisition of real estate owned and property dispositions.
41

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

1)  Significant Accounting Policies (Continued)
The total residential mortgage loans serviced for others consist primarily of agency conforming fixed-rate mortgage loans.  The value of MSRs is derived from the net cash flows associated with the servicing contracts. The Company receives a servicing fee of generally about 0.250% annually on the remaining outstanding principal balances of the loans. Based on the result of the cash flow analysis, an asset or liability is recorded for mortgage servicing rights. The servicing fees are collected from the monthly payments made by the mortgagors. The Company generally receives other remuneration including rights to various mortgagor-contracted fees such as late charges, and collateral reconveyance charges and the Company is generally entitled to retain the interest earned on funds held pending remittance of mortgagor principal, interest, tax and insurance payments. Contractual servicing fees and late fees are included in other revenues on the Consolidated Statements of Earnings.

The Company's subsequent accounting for MSRs is based on the class of MSRs. The Company has identified two classes of MSRs: MSRs backed by mortgage loans with initial term of 30 years and MSRs backed by mortgage loans with initial term of 15 years. The Company distinguishes between these classes of MSRs due to their differing sensitivities to change in value as the result of changes in market. After being initially recorded at fair value, MSRs backed by mortgage loans are accounted for using the amortization method and netted against loan servicing income. MSR amortization is determined by amortizing the balance straight-line over an estimated seven and nine-year life which estimates the proportion to, and over the period of the estimated future net servicing income of the underlying financial assets.

Interest rate risk, prepayment risk, and default risk are inherent risks in MSR valuation. Interest rate changes largely drive prepayment rates. Refinance activity generally increases as rates decline. A significant decrease in rates beyond expectation could cause a decline in the value of the MSR. On the contrary, if rates increase borrowers are less likely to refinance or prepay their mortgage, which extends the duration of the loan and MSR values are likely to rise. Because of these risks, discount rates and prepayment speeds are used to estimate the fair value.

The Company periodically assesses MSRs for impairment. Impairment occurs when the current fair value of the MSR falls below the asset's carrying value (carrying value is the amortized cost reduced by any related valuation allowance). If MSRs are impaired, the impairment is recognized in current-period earnings and the carrying value of the MSRs is adjusted through a valuation allowance.

Management periodically reviews the various loan strata to determine whether the value of the MSRs in a given stratum is impaired and likely to recover. When management deems recovery of the value to be unlikely in the foreseeable future, a write-down of the cost of the MSRs for that stratum to its estimated recoverable value is charged to the valuation allowance.

Derivative Instruments

Mortgage Banking Derivatives

Loan Commitments

The Company is exposed to price risk due to the potential impact of changes in interest rates on the values of loan commitments from the time a loan commitment is made to an applicant to the time the loan that would result from the exercise of that loan commitment is funded. Managing price risk is complicated by the fact that the ultimate percentage of loan commitments that will be exercised (i.e., the number of loans that will be funded) fluctuates. The probability that a loan will not be funded or the loan application is denied or withdrawn within the terms of the commitment is driven by a number of factors, particularly the change, if any, in mortgage rates following the issuance of the loan commitment.

In general, the probability of funding increases if mortgage rates rise and decreases if mortgage rates fall. This is due primarily to the relative attractiveness of current mortgage rates compared to the applicant's committed rate. The probability that a loan will not be funded within the terms of the mortgage loan commitment also is influenced by the source of the applications (retail, broker or correspondent channels), proximity to rate lock expiration, purpose for the loan (purchase or refinance) product type and the application approval status. The Company has developed fallout estimates using historical data that take into account all of the variables, as well as renegotiations of rate and point commitments that tend to occur when mortgage rates fall. These fallout estimates are used to estimate the number of loans that the Company expects to be funded within the terms of the loan commitments and are updated periodically to reflect the most current data.
42

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

1)  Significant Accounting Policies (Continued)

The Company estimates the fair value of a loan commitment based on the change in estimated fair value of the underlying mortgage loan, quoted MBS prices, estimates of the fair value of mortgage servicing rights, and an estimate of the probability that the mortgage loan will fund within the terms of the commitment net of estimated commission expense. The change in fair value of the underlying mortgage loan is measured from the date the loan commitment is issued and is shown net of expenses. Following issuance, the value of a loan commitment can be either positive or negative depending upon the change in value of the underlying mortgage loans.

Forward Sale Commitments

The Company utilizes forward commitments to economically hedge the price risk associated with its outstanding mortgage loan commitments. A forward commitment protects the Company from losses on sales of the loans arising from exercise of the loan commitments. Management expects these types of commitments will experience changes in fair value opposite to changes in fair value of the loan commitments, thereby reducing earnings volatility related to the recognition in earnings of changes in the values of the commitments.

The net changes in fair value of all loan commitments and forward sale commitments are shown in current earnings as a component of mortgage fee income.

Call and Put Options

The Company uses a strategy of selling "out of the money" call options on its available for sale equity securities as a source of revenue.  The options give the purchaser the right to buy from the Company specified equity securities at a set price up to a pre-determined date in the future.  The Company uses the strategy of selling put options as a means of generating cash or purchasing equity securities at lower than current market prices.  The Company receives an immediate payment of cash for the value of the option and establishes a liability for the fair value of the option.  The liability for options is adjusted to fair value at each reporting date. In the event an option is exercised, the Company recognizes a gain on the sale of the equity security and a gain on the sale of the option.  If the option expires unexercised, the Company recognizes a gain from the sale of the option.

Allowance for Doubtful Accounts and Loan Losses and Impaired Loans

The Company records an allowance and recognizes an expense for potential losses from mortgage loans, other loans and receivables in accordance with generally accepted accounting principles.

Receivables are the result of cemetery and mortuary operations, mortgage loan operations and life insurance operations. The allowance is based upon the Company's historical experience for collectively evaluated impairment. Other allowances are based upon receivables individually evaluated for impairment. Collectability of the cemetery and mortuary receivables is significantly influenced by current economic conditions. The critical issues that impact recovery of mortgage loan operations are interest rate risk, loan underwriting, new regulations and the overall economy.

The Company provides allowances for losses on its mortgage loans held for investment through an allowance for loan losses. The allowance is comprised of two components. The first component is an allowance for collectively evaluated impairment that is based upon the Company's historical experience in collecting similar receivables. The second component is based upon individual evaluation of loans that are determined to be impaired. Upon determining impairment, the Company establishes an individual impairment allowance based upon an assessment of the fair value of the underlying collateral. See the schedules in Note 2 for additional information. In addition, when a mortgage loan is past due more than 90 days, the Company does not accrue any interest income. When a loan becomes delinquent, the Company proceeds to foreclose on the real estate and all expenses for foreclosure are expensed as incurred. Once foreclosed, an adjustment for the lower of cost or fair value is made, if necessary, and the amount is classified as real estate held for investment. The Company will rent the properties until it is deemed desirable to sell them.

The allowance for losses on mortgage loans held for investment could change based on changes in the value of the underlying collateral, the performance status of the loans, or the Company's actual collection experience. The actual losses could change, in the near term, from the established allowance, based upon the occurrence or non-occurrence of these events.
43

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

1)  Significant Accounting Policies (Continued)

Loan Loss Reserve

The mortgage loan loss reserve is an estimate of probable losses at the balance sheet date that the Company will realize in the future on mortgage loans sold to third party investors.

The loan loss reserve analysis involves mortgage loans that have been sold to third party investors, which were believed to have met investor underwriting guidelines at the time of sale, where the Company has received a demand from the investor. There are generally three types of demands: make whole, repurchase, or indemnification. These types of demands are more particularly described as follows:

Make whole demand – A make whole demand occurs when an investor forecloses on a property and then sells the property. The make whole amount is calculated as the difference between the original unpaid principal balance, accrued interest and fees, less the sale proceeds.

Repurchase demand – A repurchase demand usually occurs when there is a significant payment default, error in underwriting or detected loan fraud.

Indemnification demand – On certain loans the Company has negotiated a set fee that is to be paid in lieu of repurchase. The fee varies by investor and by loan product type.

Additional information related to the Loan Loss Reserve is included in Note 2.

Future Life, Annuity and Other Policy Benefits

Future policy benefit reserves for traditional life insurance are computed using a net level method, including assumptions as to investment yields, mortality, morbidity, withdrawals, and other assumptions based on the life insurance subsidiaries' experience, modified as necessary to give effect to anticipated trends and to include provisions for possible unfavorable deviations. Such liabilities are, for some plans, graded to equal statutory values or cash values at or prior to maturity. The range of assumed interest rates for all traditional life insurance policy reserves was 4.5% to 10%. Benefit reserves for traditional limited-payment life insurance policies include the deferred portion of the premiums received during the premium-paying period. Deferred premiums are recognized as income over the life of the policies. Policy benefit claims are charged to expense in the period the claims are incurred. Increases in future policy benefits are charged to expense.

Future policy benefit reserves for interest-sensitive insurance products are computed under a retrospective deposit method and represent policy account balances before applicable surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policy account balances. Interest crediting rates for interest-sensitive insurance products ranged from 3% to 6.5%.

Participating Insurance

Participating business constituted 2% of insurance in force for the years ended 2016, 2015 and 2014. The provision for policyholders' dividends included in policyholder obligations is based on dividend scales anticipated by management. Amounts to be paid are determined by the Board of Directors.

Reinsurance

The Company follows the procedure of reinsuring risks in excess of $100,000 to provide for greater diversification of business to allow management to control exposure to potential losses arising from large risks, and provide additional capacity for growth. The Company remains liable for amounts ceded in the event the reinsurers are unable to meet their obligations.
44

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

1)  Significant Accounting Policies (Continued)

The Company entered into coinsurance agreements with unaffiliated insurance companies under which the Company assumed 100% of the risk for certain life insurance policies and certain other policy-related liabilities of the insurance company.

Reinsurance premiums, commissions, expense reimbursements, and reserves related to reinsured business are accounted for on a basis consistent with those used in accounting for the original policies issued and the terms of the reinsurance contracts. Expense allowances received in connection with reinsurance ceded are accounted for as a reduction of the related policy acquisition costs and are deferred and amortized accordingly.

Pre-need Sales and Costs

Pre-need contract sales of funeral services and caskets - revenue and costs associated with the sales of pre-need funeral services and caskets are deferred until the services are performed or the caskets are delivered.

Sales of cemetery interment rights (cemetery burial property) - revenue and costs associated with the sale of cemetery interment rights are recognized in accordance with the retail land sales provisions based on GAAP. Under GAAP, recognition of revenue and associated costs from constructed cemetery property must be deferred until a minimum percentage of the sales price has been collected.

Pre-need contract sales of cemetery merchandise (primarily markers and vaults) - revenue and costs associated with the sale of pre-need cemetery merchandise is deferred until the merchandise is delivered. Pre-need contract sales of cemetery services (primarily merchandise delivery, installation fees and burial opening and closing fees) - revenue and costs associated with the sales of pre-need cemetery services are deferred until the services are performed.

Prearranged funeral and pre-need cemetery customer acquisition costs - costs incurred related to obtaining new pre-need contract cemetery and prearranged funeral services are accounted for under the guidance of the provisions based on GAAP. Obtaining costs, which include only costs that vary with and are primarily related to the acquisition of new pre-need cemetery and prearranged funeral services, are deferred until the merchandise is delivered or services are performed.

Revenues and costs for at‑need sales are recorded when a valid contract exists, the services are performed, collection is reasonably assured and there are no significant obligations remaining.

The Company, through its cemetery and mortuary operations, provides guaranteed funeral arrangements wherein a prospective customer can receive future goods and services at guaranteed prices. To accomplish this, the Company, through its life insurance operations, sells to the customer an increasing benefit life insurance policy that is assigned to the mortuaries. If, at the time of need, the policyholder/potential mortuary customer utilizes one of the Company's facilities, the guaranteed funeral arrangement contract that has been assigned will provide the funeral goods and services at the contracted price. The increasing life insurance policy will cover the difference between the original contract prices and current prices. Risks may arise if the difference cannot be fully met by the life insurance policy. However, management believes that given current inflation rates and related price increases of goods and services, the risk of exposure is minimal.

Mortgage Fee Income

Mortgage fee income consists of origination fees, processing fees and certain other income related to the origination and sale of mortgage loans. For mortgage loans sold to third party investors, mortgage fee income and related expenses are recognized pursuant to GAAP at the time the sales of mortgage loans comply with the sales criteria for the transfer of financial assets, which are: (i) the transferred assets have been isolated from the Company and its creditors, (ii) the transferee has the right to pledge or exchange the mortgage, and (iii) the Company does not maintain effective control over the transferred mortgage.
45

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

1)  Significant Accounting Policies (Continued)
 
The Company has determined that all three criteria are met at the time a loan is purchased from a third party investor. Until the loan is purchased, all direct selling revenues and costs are deferred.

The Company, through its mortgage subsidiaries, sells mortgage loans to third party investors without recourse. However, it may be required to repurchase a loan or pay a fee instead of repurchase under certain events, which include the following:

·
Failure to deliver original documents specified by the investor,
   
·
The existence of misrepresentation or fraud in the origination of the loan,
   
·
The loan becomes delinquent due to nonpayment during the first several months after it is sold,
   
·
Early pay-off of a loan, as defined by the agreements,
   
·
Excessive time to settle a loan,
   
·
Investor declines purchase, and
   
·
Discontinued product and expired commitment.

Loan purchase commitments generally specify a date 30 to 45 days after delivery upon which the underlying loans should be settled. Depending on market conditions, these commitment settlement dates can be extended at a cost to the Company.

It is the Company's policy to cure any documentation problems regarding such loans at a minimal cost for up to a six-month time period and to pursue efforts to enforce loan purchase commitments from third-party investors concerning the loans. The Company believes that six months allows adequate time to remedy any documentation issues, to enforce purchase commitments, and to exhaust other alternatives. Remedial methods include the following:

·
Research reasons for rejection,
   
·
Provide additional documents,
   
·
Request investor exceptions,
   
·
Appeal rejection decision to purchase committee, and
   
·
Commit to secondary investors.

Once purchase commitments have expired and other alternatives to remedy are exhausted, which could be earlier than the six-month time period, the loans are repurchased and transferred to the long-term investment portfolio at the lower of cost or fair value and previously recorded sales revenue that was to be received from a third-party investor is written off against the loan loss reserve. Any loan that later becomes delinquent is evaluated by the Company at that time and any impairment is adjusted accordingly.
 
Determining Lower of Cost or Market

Cost is equal to the amount paid to the warehouse bank and the amount originally funded by the Company. Market value is often difficult to determine, but is based on the following:

·
For loans that have an active market the Company uses the market price on the repurchased date.
   
·
For loans where there is no market but there is a similar product, the Company uses the market value for the similar product on the repurchased date.
   
·
For loans where no active market exists on the repurchased date, the Company determines that the unpaid principal balance best approximates the market value on the repurchased date, after considering the fair value of the underlying real estate collateral and estimated future cash flows.
 
The appraised value of the real estate underlying the original mortgage loan adds support to the Company's determination of fair value because if the loan becomes delinquent, the Company has sufficient value to collect the unpaid principal balance or the carrying value of the loan. In determining the market value on the date of repurchase, the Company considers the total value of all of the loans because any sale of loans would be made as a pool.

The Company provides an allowance for loan losses on its mortgage loans held for investment. The allowance is comprised of two components. The first component is an allowance for collectively evaluated impairment that is based upon the Company's historical experience in collecting similar receivables. The second component is based upon individual evaluation of loans that are determined to be impaired.
46

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

1)  Significant Accounting Policies (Continued)

Commercial Loans

Each quarter, management reviews the current commercial loans and determines if an allowance is required based on the Company's actual experience of losses on impaired commercial loans. To date, the Company has not incurred any significant losses. The carrying value of all commercial loans is supported by appraisals and cash flow analysis of revenue received. Also, the Company does not accrue any interest income or capitalize any of the foreclosure costs on impaired commercial loans.

Residential and Construction Loans

The Company believes that in an orderly market fair value will approximate the replacement cost of a home and the rental income provides a cash flow stream for investment analysis. The Company believes the highest and best use of the properties are as income producing assets since it is the Company's intent to hold the properties as rental properties, matching the income from the investment in rental properties with the funds required for future estimated policy claims. Accordingly, the fair value determination will be weighted more heavily toward the rental analysis.

It should be noted that for replacement cost, when determining the fair value of mortgage properties, the Company uses Marshall and Swift, a provider of building cost information to the real estate construction industry. For the investment analysis, the Company used market data based upon its real estate operation experience and projected the present value of the net rental income over seven years. The Company used 20% of the projected cash flow analysis and 80% of the replacement cost to approximate fair value of the collateral.

Each quarter the Company also analyzes its current loan portfolio and determines the level of allowance needed for loans that are listed as current in the portfolio. The basis of the analysis places a higher weight on loans with high loan to value ratios, those that lack mortgage insurance, and certain loan types that have a higher percentage of default based on the Company's experience.

Each quarter the Company makes further analysis of the foreclosed properties to determine if any additional allowances are necessary by comparing national indexes of loan to value ratios by region to the Company's loan to value ratios. Based upon the above procedures, the Company's management believes that residential and residential construction loans are reflected in the Company's financial statements at the lower of cost or market in accordance with GAAP requirements.

Goodwill

Previous acquisitions have been accounted for as purchases under which assets acquired and liabilities assumed were recorded at their fair values with the excess purchase price recognized as goodwill. The Company evaluates annually or when changes in circumstances warrant the recoverability of goodwill and if there is a decrease in value, the related impairment is recognized as a charge against income. No impairment of goodwill has been recognized in the accompanying financial statements.

Long-lived Assets

Long-lived assets to be held and used are reviewed for impairment whenever events or changes in circumstances indicate that the related carrying amount may not be recoverable. When required, impairment losses on assets to be held and used are recognized based on the fair value of the asset, and long-lived assets to be disposed of are reported at the lower of carrying amount or fair value less costs to sell. No impairment of long-lived assets has been recognized in the accompanying financial statements.
47

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

1)  Significant Accounting Policies (Continued)

Income Taxes

Income taxes include taxes currently payable plus deferred taxes. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to the temporary differences in the financial reporting basis and tax basis of assets and liabilities and operating loss carry-forwards. Deferred tax assets are measured using enacted tax rates expected to apply to taxable income in the years in which these temporary differences are expected to be recovered or settled.

Liabilities are established for uncertain tax positions expected to be taken in income tax returns when such positions are judged to meet the "more-likely-than-not" threshold based on the technical merits of the positions. Estimated interest and penalties related to uncertain tax penalties are included as a component of other expenses.

Earnings Per Common Share

The Company computes earnings per share in accordance with GAAP which requires presentation of basic and diluted earnings per share. Basic earnings per equivalent Class A common share are computed by dividing net earnings by the weighted-average number of Class A common shares outstanding during each year presented, after the effect of the assumed conversion of Class C common stock to Class A common stock. Diluted earnings per share is computed by dividing net earnings by the weighted-average number of common shares outstanding during the year used to compute basic earnings per share plus dilutive potential incremental shares. Basic and diluted earnings per share amounts have been adjusted retroactively for the effect of annual stock dividends.

Stock Based Compensation

The cost of employee services received in exchange for an award of equity instruments is recognized in the financial statements and is measured based on the fair value on the grant date of the award. The fair value of stock options is calculated using the Black Scholes method. Stock option compensation expense is recognized over the period during which an employee is required to provide service in exchange for the award.

Concentration of Credit Risk

For a description of the geographic concentration risk regarding mortgage loans and real estate, refer to Note 2 of the Notes to Consolidated Financial Statements.

Advertising

The Company expenses advertising costs as incurred.

Recent Accounting Pronouncements

ASU No. 2016-13: "Financial Instruments – Credit Losses (Topic 326)" – Issued in June 2016, ASU 2016-13 amends guidance on reporting credit losses for assets held at amortized cost basis and available for sale debt securities. For assets held at amortized cost basis, Topic 326 eliminates the probable initial recognition threshold in current generally accepted accounting principles ("GAAP") and, instead, requires an entity to reflect its current estimate of all expected credit losses. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of the financial assets to present the net amount expected to be collected. For available for sale debt securities, credit losses should be measured in a manner similar to current GAAP, however Topic 326 will require that credit losses be presented as an allowance rather than as a write-down. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2019. The Company is in the process of evaluating the potential impact of this standard.

ASU No. 2016-02: "Leases (Topic 842)" - Issued in February 2016, ASU 2016-02 supersedes the leases requirements in ASC Topic 840, "Leases", and was issued to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2018. The Company is in the process of evaluating the potential impact of this standard.

ASU No. 2016-01: "Financial Instruments – Overall (Topic 825-10)" – Issued in January 2016, ASU 2016-01 changes the accounting for non-consolidated equity investments that are not accounted for under the equity method of accounting by requiring changes in fair value to be recognized in income. Under current guidance, changes in fair value for investments of this nature are recognized in accumulated other comprehensive income as a component of stockholders' equity.  Additionally, ASU 2016-01 simplifies the impairment assessment of equity investments without readily determinable fair values; requires entities to use the exit price when estimating the fair value of financial instruments; and modifies various presentation disclosure requirements for financial instruments.  The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2017. The Company is in the process of evaluating the potential impact of this standard.

ASU No. 2014-09: "Revenue from Contracts with Customers (Topic 606)" - Issued in May 2014, ASU 2014-09 supersedes the revenue recognition requirements in ASC Topic 605, "Revenue Recognition", and requires entities to recognize revenue in a way that depicts the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. Insurance contracts are excluded from the scope of this new guidance. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2017. The Company is in the process of evaluating the potential impact of this standard, which is not expected to be material to the Company's results of operations or financial position.

The Company has reviewed other recent accounting pronouncements and has determined that they will not significantly impact the Company's results of operations or financial position.
48

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

2)  Investments

The Company's investments in fixed maturity securities held to maturity and equity securities available for sale as of December 31, 2016 are summarized as follows:
 
   
Amortized
 Cost
   
Gross
Unrealized
Gains
   
Gross
Unrealized
Losses
   
Estimated
Fair
Value
 
December 31, 2016:
                       
Fixed maturity securities held to maturity carried at amortized cost:
                       
U.S. Treasury securities and obligations of U.S. Government agencies
 
$
4,475,065
   
$
249,028
   
$
(66,111
)
 
$
4,657,982
 
                                 
Obligations of states and political subdivisions
   
6,017,225
     
153,514
     
(133,249
)
   
6,037,490
 
                                 
Corporate securities including public utilities
   
164,375,636
     
10,440,989
     
(3,727,013
)
   
171,089,612
 
                                 
Mortgage-backed securities
   
9,488,083
     
221,400
     
(280,871
)
   
9,428,612
 
                                 
Redeemable preferred stock
   
623,635
     
13,418
     
-
     
637,053
 
                                 
Total fixed maturity securities held to maturity
 
$
184,979,644
   
$
11,078,349
   
$
(4,207,244
)
 
$
191,850,749
 
                                 
Equity securities available for sale at estimated fair value:
                         
                                 
Common stock:
                               
                                 
Industrial, miscellaneous and all other
 
$
10,985,338
   
$
447,110
   
$
(859,092
)
 
$
10,573,356
 
                                 
Total securities available for sale carried at estimated fair value
 
$
10,985,338
   
$
447,110
   
$
(859,092
)
 
$
10,573,356
 
                                 
Mortgage loans on real estate and construction loans held for investment at amortized cost:
                               
Residential
 
$
58,593,622
                         
Residential construction
   
40,800,117
                         
Commercial
   
51,536,622
                         
Less: Allowance for loan losses
   
(1,748,783
)
                       
                                 
Total mortgage loans on real estate and construction loans held for investment
 
$
149,181,578
                         
                                 
Real estate held for investment - net of depreciation
 
$
145,165,921
                         
                                 
Policy loans and other investments are shown at amortized cost except for other investments that are shown at estimated fair value:        
               
Policy loans
 
$
6,694,148
                         
Insurance assignments
   
33,548,079
                         
Promissory notes
   
48,797
                         
Other investments at estimated fair value
   
1,765,752
                         
Less: Allowance for doubtful accounts
   
(1,119,630
)
                       
                                 
Total policy loans and other investments
 
$
40,937,146
                         
                                 
Short-term investments at amortized cost
 
$
27,560,040
                         
 
49

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

2)  Investments (Continued)

The Company's investments in fixed maturity securities held to maturity and equity securities available for sale as of December 31, 2015 are summarized as follows:
 
   
Amortized Cost
   
Gross
 Unrealized
Gains
   
Gross
Unrealized
Losses
   
Estimated
Fair
 Value
 
December 31, 2015:
                       
Fixed maturity securities held to maturity carried at amortized cost:
                       
U.S. Treasury securities and obligations of U.S. Government agencies
 
$
3,560,579
   
$
292,869
   
$
(4,743
)
 
$
3,848,705
 
                                 
Obligations of states and political subdivisions
   
1,805,828
     
182,073
     
(1,040
)
   
1,986,861
 
                                 
Corporate securities including public utilities
   
134,488,108
     
9,836,355
     
(5,501,743
)
   
138,822,720
 
                                 
Mortgage-backed securities
   
5,091,887
     
190,867
     
(75,580
)
   
5,207,174
 
                                 
Redeemable preferred stock
   
612,023
     
29,675
     
-
     
641,698
 
                                 
Total fixed maturity securities held to maturity
 
$
145,558,425
   
$
10,531,839
   
$
(5,583,106
)
 
$
150,507,158
 
                                 
Equity securities available for sale at estimated fair value:
                         
                                 
Common stock:
                               
                                 
Industrial, miscellaneous and all other
 
$
9,891,500
   
$
213,684
   
$
(1,674,094
)
 
$
8,431,090
 
                                 
Total securities available for sale carried at estimated fair value
 
$
9,891,500
   
$
213,684
   
$
(1,674,094
)
 
$
8,431,090
 
                                 
Mortgage loans on real estate and construction loans held for investment at amortized cost:
                               
Residential
 
$
46,020,490
                         
Residential construction
   
34,851,557
                         
Commercial
   
33,522,978
                         
Less: Allowance for loan losses
   
(1,848,120
)
                       
                                 
Total mortgage loans on real estate and construction loans held for investment
 
$
112,546,905
                         
                                 
Real estate held for investment - net of depreciation
 
$
114,852,432
                         
                                 
Policy loans and other investments are shown at amortized cost except for other investments that are shown at estimated fair value:
                               
Policy loans
 
$
6,896,457
                         
Insurance assignments
   
32,369,014
                         
Promissory notes
   
48,797
                         
Other investments at estimated fair value
   
1,174,769
                         
Less: Allowance for doubtful accounts
   
(906,616
)
                       
                                 
Total policy loans and other investments
 
$
39,582,421
                         
                                 
Short-term investments at amortized cost
 
$
16,915,808
                         
 
50

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

2)  Investments (Continued)

Fixed Maturity Securities

The following tables summarize unrealized losses on fixed maturities securities, which are carried at amortized cost, at December 31, 2016 and 2015. The unrealized losses were primarily related to interest rate fluctuations. The tables set forth unrealized losses by duration and number of investment positions, together with the fair value of the related fixed maturity securities:

   
Unrealized
Losses for
Less than
Twelve Months
   
Fair Value
   
Unrealized
Losses for
More than
Twelve Months
   
Fair Value
   
Total
Unrealized
Loss
   
Fair Value
 
At December 31, 2016
                                   
                                   
U.S. Treasury Securities and Obligationsof U.S. Government Agencies
 
$
66,111
   
$
1,342,088
   
$
-
   
$
-
   
$
66,111
   
$
1,342,088
 
Obligations of States and Political Subdivisions
   
133,249
     
3,686,856
     
-
     
-
     
133,249
     
3,686,856
 
Corporate Securities
   
1,728,312
     
41,796,016
     
1,998,701
     
12,969,135
     
3,727,013
     
54,765,151
 
Mortgage and other asset-backed securities
   
176,715
     
4,176,089
     
104,156
     
940,278
     
280,871
     
5,116,367
 
Total unrealized losses
 
$
2,104,387
   
$
51,001,049
   
$
2,102,857
   
$
13,909,413
   
$
4,207,244
   
$
64,910,462
 
                                                 
At December 31, 2015
                                               
                                               
U.S. Treasury Securities and Obligations  of U.S. Government Agencies
 
$
4,743
   
$
2,191,782
   
$
-
   
$
-
   
$
4,743
   
$
2,191,782
 
Obligations of States and Political Subdivisions
   
-
     
-
     
1,040
     
86,388
     
1,040
     
86,388
 
Corporate Securities
   
3,701,572
     
30,109,114
     
1,800,171
     
3,723,569
     
5,501,743
     
33,832,683
 
Mortgage and other asset-backed securities
   
75,580
     
1,775,505
     
-
     
-
     
75,580
     
1,775,505
 
Total unrealized losses
 
$
3,781,895
   
$
34,076,401
   
$
1,801,211
   
$
3,809,957
   
$
5,583,106
   
$
37,886,358
 

There were 250 securities with unrealized losses of 93.9% of amortized cost at December 31, 2016. There were 123 securities with unrealized losses of 87.2% of amortized cost at December 31, 2015. During the years ended December 31, 2016, 2015 and 2014, an other than temporary decline in market value resulted in the recognition of credit losses on fixed maturity securities of $100,000, $120,000 and $120,000, respectively.

On a quarterly basis, the Company reviews its available for sale and held to maturity fixed investment securities related to corporate securities and other public utilities, consisting of bonds and preferred stocks that are in a loss position. The review involves an analysis of the securities in relation to historical values, and projected earnings and revenue growth rates. Based on the analysis, a determination is made whether a security will likely recover from the loss position within a reasonable period of time. If it is unlikely that the investment will recover from the loss position, the loss is considered to be other than temporary, the security is written down to the impaired value and an impairment loss is recognized.
51

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

2)  Investments (Continued)
 
Equity Securities

The following tables summarize unrealized losses on equity securities that were carried at estimated fair value based on quoted trading prices at December 31, 2016 and 2015. The unrealized losses were primarily the result of decreases in market value due to overall equity market declines. The tables set forth unrealized losses by duration and number of investment positions, together with the fair value of the related equity securities available for sale in a loss position:
 
   
Unrealized
Losses for
Less than
Twelve Months
   
No. of
Investment
Positions
   
Unrealized
Losses for
More than
Twelve Months
   
No. of
Investment
Positions
   
Total
Unrealized
Losses
 
At December 31, 2016
                             
Industrial, miscellaneous and all other
 
$
215,563
     
124
   
$
643,529
     
104
   
$
859,092
 
Total unrealized losses
 
$
215,563
     
124
   
$
643,529
     
104
   
$
859,092
 
Fair Value
 
$
2,063,144
           
$
1,685,874
           
$
3,749,018
 
                                         
At December 31, 2015
                                       
Industrial, miscellaneous and all other
 
$
997,862
     
222
   
$
676,232
     
74
   
$
1,674,094
 
Total unrealized losses
 
$
997,862
     
222
   
$
676,232
     
74
   
$
1,674,094
 
Fair Value
 
$
4,177,709
           
$
760,860
           
$
4,938,569
 

The average market value of the equity securities available for sale was 81.4% and 74.7% of the original investment as of December 31, 2016 and 2015, respectively. The intent of the Company is to retain equity securities for a period of time sufficient to allow for the recovery in fair value. However, the Company may sell equity securities during a period in which the fair value has declined below the amount of the original investment. In certain situations, new factors, including changes in the business environment, can change the Company's previous intent to continue holding a security. During the years ended December 31, 2016, 2015, and 2014, an other than temporary decline in the market value resulted in the recognition of an impairment loss on equity securities of $170,358, $293,714, and $44,240, respectively.

On a quarterly basis, the Company reviews its investment in industrial, miscellaneous and all other equity securities that are in a loss position. The review involves an analysis of the securities in relation to historical values, price earnings ratios, projected earnings and revenue growth rates. Based on the analysis a determination is made whether a security will likely recover from the loss position within a reasonable period of time. If it is unlikely that the investment will recover from the loss position, the loss is considered to be other than temporary, the security is written down to the impaired value and an impairment loss is recognized.

The fair values of fixed maturity securities are based on quoted market prices, when available. For fixed maturity securities not actively traded, fair values are estimated using values obtained from independent pricing services, or in the case of private placements, are estimated by discounting expected future cash flows using a current market value applicable to the coupon rate, credit and maturity of the investments. The fair values for equity securities are based on quoted market prices.
52

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

2)  Investments (Continued)

The amortized cost and estimated fair value of fixed maturity securities at December 31, 2016, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because certain borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

   
Amortized
   
Estimated Fair
 
   
Cost
   
Value
 
Held to Maturity:
           
Due in 2017
 
$
6,148,334
   
$
6,232,674
 
Due in 2018 through 2021
   
42,886,637
     
44,879,897
 
Due in 2022 through 2026
   
42,090,383
     
43,288,035
 
Due after 2026
   
83,742,572
     
87,324,617
 
Mortgage-backed securities
   
9,488,083
     
9,488,473
 
Redeemable preferred stock
   
623,635
     
637,053
 
Total held to maturity
 
$
184,979,644
   
$
191,850,749
 

The cost and estimated fair value of available for sale securities at December 31, 2016, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because certain borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Equities are valued using the specific identification method.

         
Estimated Fair
 
   
Cost
   
Value
 
Available for Sale:
           
Common stock
 
$
10,985,338
   
$
10,573,356
 
Total available for sale
 
$
10,985,338
   
$
10,573,356
 

The Company's realized gains and losses and other than temporary impairments from investments and other assets for the years ended December 31 are summarized as follows:

   
2016
   
2015
   
2014
 
Fixed maturity securities held
                 
to maturity:
                 
Gross realized gains
 
$
389,558
   
$
387,162
   
$
390,203
 
Gross realized losses
   
(132,124
)
   
(82,166
)
   
(71,800
)
      Other than temporary impairments
   
(100,000
)
   
(120,000
)
   
(120,000
)
                         
Securities available for sale:
                       
Gross realized gains
   
221,817
     
180,602
     
349,207
 
Gross realized losses
   
(61,242
)
   
(66,850
)
   
(55,222
)
      Other than temporary impairments
   
(170,358
)
   
(293,714
)
   
(44,240
)
                         
Other assets:
                       
Gross realized gains
   
349,252
     
2,067,438
     
1,445,596
 
Gross realized losses
   
(943,648
)
   
(84,827
)
   
(139,808
)
      Other than temporary impairments
   
-
     
(191,716
)
   
-
 
Total
 
$
(446,745
)
 
$
1,795,929
   
$
1,753,936
 

The net carrying amount for disposals of securities classified as held to maturity was $2,380,027, $2,569,712 and $2,840,709, for the years ended December 31, 2016, 2015 and 2014, respectively.  The net realized gain related to these disposals was $155,346, $311,752 and $20,722, for the years ended December 31, 2016, 2015 and 2014, respectively. Although the intent is to buy and hold a bond to maturity the Company will sell a bond prior to maturity if conditions have changed within the entity that issued the bond to increase the risk of default to an unacceptable level.
53

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

2)  Investments (Continued)
There were no investments, aggregated by issuer, in excess of 10% of shareholders' equity (before net unrealized gains and losses on available-for-sale securities) at December 31, 2016, other than investments issued or guaranteed by the United States Government.
Major categories of net investment income for the years ended December 31, are as follows:
   
2016
   
2015
   
2014
 
Fixed maturity securities
 
$
8,972,877
   
$
8,168,441
   
$
8,229,451
 
Equity securities
   
270,942
     
269,795
     
212,917
 
Mortgage loans on real estate
   
8,963,105
     
7,696,533
     
7,550,110
 
Real estate
   
10,969,828
     
9,454,567
     
8,433,895
 
Policy loans
   
781,188
     
749,917
     
741,220
 
Insurance assignments
   
11,876,836
     
8,915,655
     
7,324,964
 
Other investments
   
25,122
     
6,533
     
-
 
Short-term investments, principally gains on sale of mortgage loans
   
4,976,180
     
7,594,014
     
5,072,418
 
Gross investment income
   
46,836,078
     
42,855,455
     
37,564,975
 
Investment expenses
   
(9,253,634
)
   
(8,847,551
)
   
(9,261,235
)
Net investment income
 
$
37,582,444
   
$
34,007,904
   
$
28,303,740
 

Net investment income includes net investment income earned by the restricted assets of the cemeteries and mortuaries of $419,360, $369,632 and $356,369 for the years ended December 31, 2016, 2015 and 2014, respectively.

Net investment income on real estate consists primarily of rental revenue received under short-term leases.

Investment expenses consist primarily of depreciation, property taxes, operating expenses of real estate and an estimated portion of administrative expenses relating to investment activities.

Securities on deposit for regulatory authorities as required by law amounted to $9,269,121 and $8,815,542 at December 31, 2016 and 2015, respectively. The restricted securities are included in various assets under investments on the accompanying consolidated balance sheets.

Real Estate

The Company continues to strategically deploy resources into real estate to match the income and yield durations of its primary obligations. The sources for these real estate assets come through its various business segments in the form of acquisition, development and mortgage foreclosures. The Company reports real estate held for investment pursuant to the accounting policy discussed in Note 1 and Note 16 of the Notes to Consolidated Financial Statements.

Commercial Real Estate Held for Investment

The Company owns and manages commercial real estate assets as a means of generating investment income. These assets are acquired in accordance with the Company's goals and objectives for risk-adjusted returns. Due diligence is conducted on each asset using internal and third-party reports. Geographic locations and asset classes of the investment activity is determined by senior management under the direction of the Board of Directors.

The Company employs full-time employees to attend to the day-to-day operations of those assets within the greater Salt Lake area and close surrounding markets.  The Company utilizes third party property managers when the geographic boundary does not warrant full-time staff or through strategic lease-up periods. The Company generally looks to acquire assets in regions that are high growth regions for employment and population and in assets that provide operational efficiencies.
54

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

2)  Investments (Continued)

The Company currently owns and operates 13 commercial properties in 7 states. These properties include industrial warehouses, office buildings, retail centers and includes the redevelopment and expansion of its corporate campus in Salt Lake City Utah. The assets are primarily held without debt; however, the Company does use debt in strategic cases to leverage established yields or to acquire higher quality or different class of asset.

The following is a summary of the Company's investment in commercial real estate for the periods presented:

   
Net Ending Balance
     
Total Square Footage
 
   
December 31
     
December 31
 
   
2016
     
2015
     
2016
   
2015
 
Arizona
 
$
450,538
 
(1
)
$
463,774
 
(1
)
 
16,270
     
16,270
 
Arkansas
   
100,369
       
-
       
3,200
     
-
 
Kansas
   
12,450,297
       
11,537,335
       
222,679
     
222,679
 
Louisiana
   
518,700
       
-
       
7,063
     
-
 
Mississippi
   
3,818,985
       
-
       
33,821
     
-
 
New Mexico
   
7,000
 
(1
)
 
7,000
 
(1
)
 
-
     
-
 
Texas
   
3,734,974
       
3,768,542
       
23,470
     
23,470
 
Utah
   
47,893,073
 
(2
)
 
17,403,746
       
433,244
     
253,244
 
                                     
   
$
68,973,936
     
$
33,180,397
       
739,747
     
515,663
 
                                     
(1) Includes Vacant Land
                             
(2) Includes 53rd Center to be completed in July 2017.
         

Residential Real Estate Held for Investment

The Company owns a portfolio of residential homes primarily as a result of loan foreclosures.  The strategy has been to lease these homes to produce cash flow, and allow time for the economic fundamentals to return to the various markets. As an orderly and active market for these homes returns, the Company has the option to dispose or to continue and hold them for cash flow and acceptable returns.

The Company established Security National Real Estate Services ("SNRE") in 2013 to manage the residential portfolio. SNRE cultivates and maintains the preferred vendor relationships necessary to manage costs and quality of work performed on the portfolio of homes across the country.

As of December 31, 2016, SNRE manages 129 residential properties in 8 states across the United States which includes a newly constructed apartment complex, Dry Creek at East Village, in Sandy Utah.
55

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

2)  Investments (Continued)

The following is a summary of the Company's investment in residential real estate for the periods presented:

   
Net Ending Balance
 
   
December 31
 
   
2016
   
2015
 
Arizona
 
$
742,259
   
$
944,614
 
California
   
5,848,389
     
6,158,253
 
Colorado
   
364,489
     
553,230
 
Florida
   
8,327,355
     
9,203,624
 
Illinois
   
-
     
165,800
 
Oklahoma
   
46,658
     
99,862
 
Oregon
   
-
     
120,000
 
South Carolina
   
-
     
823,872
 
Texas
   
1,091,188
     
1,198,860
 
Utah
   
59,485,466
     
62,117,738
 
Washington
   
286,181
     
286,182
 
   
$
76,191,985
   
$
81,672,035
 

Real Estate Owned and Occupied by the Company

The primary business units of the Company occupy a portion of the real estate owned by the Company.  Currently, the Company occupies nearly 80,000 square feet, or 10% of the overall commercial real estate holdings.

As of December 31, 2016, real estate owned and occupied by the company is summarized as follows:

Location
 
Business Segment
 
Approximate Square Footage
 
Square Footage Occupied by the Company
5300 South 360 West, Salt Lake City, UT (1)
 
Corporate Offices, Life Insurance and Cemetery/Mortuary Operations
 
36,000
 
100%
5201 Green Street, Salt Lake City, UT
 
Mortgage Operations
 
36,899
 
34%
1044 River Oaks Dr., Flowood, MS
 
Life Insurance Operations
 
5,522
 
27%
             
(1) This asset is included in property and equipment on the Consolidated Balance Sheet
       

Mortgage Loans

Mortgage loans consist of first and second mortgages. The mortgage loans bear interest at rates ranging from 2.0 % to 10.5%, maturity dates range from three months to 30 years and are secured by real estate. Concentrations of credit risk arise when a number of mortgage loan debtors have similar economic characteristics that would cause their ability to meet contractual obligations to be similarly affected by changes in economic conditions. Although the Company has a diversified mortgage loan portfolio consisting of residential mortgages, commercial loans and residential construction loans and requires collateral on all real estate exposures, a substantial portion of its debtors' ability to honor obligations is reliant on the economic stability of the geographic region in which the debtors do business. At December 31, 2016, the Company has 42%, 14%, 9%, 8% and 7% of its mortgage loans from borrowers located in the states of Utah, California, Texas, Florida and Nevada, respectively. The mortgage loans on real estate balances on the consolidated balance sheet are reflected net of an allowance for loan losses of $1,748,783 and $1,848,120 at December 31, 2016 and 2015, respectively.
56

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

2)  Investments (Continued)

The Company establishes a valuation allowance for credit losses in its portfolio. The following is a summary of the allowance for loan losses as a contra-asset account for the periods presented:

Allowance for Credit Losses and Recorded Investment in Mortgage Loans
 
Years Ended December 31
 
                         
   
Commercial
   
Residential
   
Residential Construction
   
Total
 
2016
                       
Allowance for credit losses:
                       
Beginning balance
 
$
187,129
   
$
1,560,877
   
$
100,114
   
$
1,848,120
 
   Charge-offs
   
-
     
(420,135
)
   
-
     
(420,135
)
   Provision
   
-
     
320,798
     
-
     
320,798
 
Ending balance
 
$
187,129
   
$
1,461,540
   
$
100,114
   
$
1,748,783
 
                                 
Ending balance: individually evaluated for impairment
 
$
-
   
$
187,470
   
$
-
   
$
187,470
 
                                 
Ending balance: collectively evaluated for impairment
 
$
187,129
   
$
1,274,070
   
$
100,114
   
$
1,561,313
 
                                 
Ending balance: loans acquired with deteriorated credit quality
 
$
-
   
$
-
   
$
-
   
$
-
 
                                 
Mortgage loans:
                               
Ending balance
 
$
51,536,622
   
$
58,593,622
   
$
40,800,117
   
$
150,930,361
 
                                 
Ending balance: individually evaluated for impairment
 
$
202,992
   
$
2,916,538
   
$
64,895
   
$
3,184,425
 
                                 
Ending balance: collectively evaluated for impairment
 
$
51,333,630
   
$
55,677,084
   
$
40,735,222
   
$
147,745,936
 
                                 
Ending balance: loans acquired with deteriorated credit quality
 
$
-
   
$
-
   
$
-
   
$
-
 
                                 
2015
                               
Allowance for credit losses:
                               
Beginning balance
 
$
187,129
   
$
1,715,812
   
$
100,114
   
$
2,003,055
 
   Charge-offs
   
-
     
(123,942
)
   
-
     
(123,942
)
   Provision
   
-
     
(30,993
)
   
-
     
(30,993
)
Ending balance
 
$
187,129
   
$
1,560,877
   
$
100,114
   
$
1,848,120
 
                                 
Ending balance: individually evaluated for impairment
 
$
-
   
$
305,962
   
$
-
   
$
305,962
 
                                 
Ending balance: collectively evaluated for impairment
 
$
187,129
   
$
1,254,915
   
$
100,114
   
$
1,542,158
 
                                 
Ending balance: loans acquired with deteriorated credit quality
 
$
-
   
$
-
   
$
-
   
$
-
 
                                 
Mortgage loans:
                               
Ending balance
 
$
33,522,978
   
$
46,020,490
   
$
34,851,557
   
$
114,395,025
 
                                 
Ending balance: individually evaluated for impairment
 
$
-
   
$
3,087,161
   
$
93,269
   
$
3,180,430
 
                                 
Ending balance: collectively evaluated for impairment
 
$
33,522,978
   
$
42,933,329
   
$
34,758,287
   
$
111,214,594
 
                                 
Ending balance: loans acquired with deteriorated credit quality
 
$
-
   
$
-
   
$
-
   
$
-
 

57

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

2)  Investments (Continued)
 
The following is a summary of the aging of mortgage loans for the periods presented.

Age Analysis of Past Due Mortgage Loans
 
Years Ended December 31
 
                                                       
   
30-59 Days Past Due
   
60-89 Days Past Due
   
Greater Than 90 Days 1)
   
In Process of Foreclosure 1)
   
Total Past Due
   
Current
   
Total Mortgage Loans
   
Allowance for Loan Losses
   
Net Mortgage Loans
 
2016
                                                     
Commercial
 
$
-
   
$
-
   
$
-
   
$
202,992
   
$
202,992
   
$
51,333,630
   
$
51,536,622
   
$
(187,129
)
 
$
51,349,493
 
Residential
   
964,960
     
996,779
     
1,290,355
     
1,626,183
     
4,878,277
     
53,715,345
     
58,593,622
     
(1,461,540
)
   
57,132,082
 
Residential
  Construction
   
-
     
-
     
64,895
     
-
     
64,895
     
40,735,222
     
40,800,117
     
(100,114
)
   
40,700,003
 
                                                                         
Total
 
$
964,960
   
$
996,779
   
$
1,355,250
   
$
1,829,175
   
$
5,146,164
   
$
145,784,197
   
$
150,930,361
   
$
(1,748,783
)
 
$
149,181,578
 
                                                                         
2015
                                                                       
Commercial
 
$
-
   
$
-
   
$
-
   
$
-
   
$
-
   
$
33,522,978
   
$
33,522,978
   
$
(187,129
)
 
$
33,335,849
 
Residential
   
1,162,102
     
884,143
     
2,212,993
     
3,087,161
     
7,346,399
     
38,674,091
     
46,020,490
     
(1,560,877
)
   
44,459,613
 
Residential
  Construction
   
-
     
-
     
64,895
     
93,269
     
158,164
     
34,693,393
     
34,851,557
     
(100,114
)
   
34,751,443
 
                                                                         
Total
 
$
1,162,102
   
$
884,143
   
$
2,277,888
   
$
3,180,430
   
$
7,504,563
   
$
106,890,462
   
$
114,395,025
   
$
(1,848,120
)
 
$
112,546,905
 
                                                                         
1) There was not any interest income recognized on loans past due greater than 90 days or in foreclosure.
                         

58

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

2)  Investments (Continued)
 
Impaired Mortgage Loans

Impaired mortgage loans include loans with a related specific valuation allowance or loans whose carrying amount has been reduced to the expected collectible amount because the impairment has been considered other than temporary. The recorded investment in and unpaid principal balance of impaired loans along with the related loan specific allowance for losses, if any, for each reporting period and the average recorded investment and interest income recognized during the time the loans were impaired were as follows:

Impaired Loans
 
Years Ended December 31
 
   
   
Recorded
 Investment
   
Unpaid
 Principal
Balance
   
Related
 Allowance
   
Average
 Recorded
Investment
   
Interest
 Income
 Recognized
 
2016
                             
With no related allowance recorded:
                             
   Commercial
 
$
202,992
   
$
202,992
   
$
-
   
$
202,992
   
$
-
 
   Residential
   
-
     
-
     
-
     
-
     
-
 
   Residential construction
   
64,895
     
64,895
     
-
     
64,895
     
-
 
                                         
With an allowance recorded:
                                       
   Commercial
 
$
-
   
$
-
   
$
-
   
$
-
   
$
-
 
   Residential
   
2,916,538
     
2,916,538
     
374,501
     
2,916,538
     
-
 
   Residential construction
   
-
     
-
     
-
     
-
     
-
 
                                         
Total:
                                       
   Commercial
 
$
202,992
   
$
202,992
   
$
-
   
$
202,992
   
$
-
 
   Residential
   
2,916,538
     
2,916,538
     
374,501
     
2,916,538
     
-
 
   Residential construction
   
64,895
     
64,895
     
-
     
64,895
     
-
 
                                         
2015
                                       
With no related allowance recorded:
                                       
   Commercial
 
$
-
   
$
-
   
$
-
   
$
-
   
$
-
 
   Residential
   
-
     
-
     
-
     
-
     
-
 
   Residential construction
   
93,269
     
93,269
     
-
     
93,269
     
-
 
                                         
With an allowance recorded:
                                       
   Commercial
 
$
-
   
$
-
   
$
-
   
$
-
   
$
-
 
   Residential
   
3,087,161
     
3,087,161
     
305,962
     
3,087,161
     
-
 
   Residential construction
   
-
     
-
     
-
     
-
     
-
 
                                         
Total:
                                       
   Commercial
 
$
-
   
$
-
   
$
-
   
$
-
   
$
-
 
   Residential
   
3,087,161
     
3,087,161
     
305,962
     
3,087,161
     
-
 
   Residential construction
   
93,269
     
93,269
     
-
     
93,269
     
-
 

Credit Risk Profile Based on Performance Status

The Company's mortgage loan portfolio is monitored based on performance of the loans. Monitoring a mortgage loan increases when the loan is delinquent or earlier if there is an indication of impairment. The Company defines non-performing mortgage loans as loans 90 days or greater delinquent or on non-accrual status.
59

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

2)  Investments (Continued)
 
The Company's performing and non-performing mortgage loans were as follows:

Mortgage Loan Credit Exposure
 
Credit Risk Profile Based on Payment Activity
 
Years Ended December 31
 
                                                 
   
Commercial
   
Residential
   
Residential Construction
   
Total
 
   
2016
   
2015
   
2016
   
2015
   
2016
   
2015
   
2016
   
2015
 
                                                 
Performing
 
$
51,333,630
   
$
33,522,978
   
$
55,677,084
   
$
40,720,336
   
$
40,735,222
   
$
34,693,393
   
$
147,745,936
   
$
108,936,707
 
Non-performing
   
202,992
     
-
     
2,916,538
     
5,300,154
     
64,895
     
158,164
     
3,184,425
     
5,458,318
 
                                                                 
Total
 
$
51,536,622
   
$
33,522,978
   
$
58,593,622
   
$
46,020,490
   
$
40,800,117
   
$
34,851,557
   
$
150,930,361
   
$
114,395,025
 

Non-Accrual Mortgage Loans

Once a loan is past due 90 days, it is the policy of the Company to end the accrual of interest income on the loan and write off any income that had been accrued. Interest not accrued on these loans totals $172,000 and $268,000 as of December 31, 2016 and 2015, respectively.

The following is a summary of mortgage loans on a non-accrual status for the periods presented.

   
Mortgage Loans on Non-accrual Status
 
   
Years Ended
 December 31
 
   
2016
   
2015
 
Commercial
 
$
202,992
   
$
-
 
Residential
   
2,916,538
     
5,300,154
 
Residential construction
   
64,895
     
158,164
 
Total
 
$
3,184,425
   
$
5,458,318
 

Principal Amounts Due

The amortized cost and contractual payments on mortgage loans on real estate and construction loans held for investment by category as of December 31, 2016 are shown below. Expected principal payments may differ from contractual obligations because certain borrowers may elect to pay off mortgage obligations with or without early payment penalties.

         
Principal
   
Principal
   
Principal
 
         
Amounts
   
Amounts
   
Amounts
 
         
Due in
   
Due in
   
Due
 
   
Total
   
2017
     
2018-2021
   
Thereafter
 
Residential
 
$
58,593,622
   
$
6,115,360
   
$
11,916,728
   
$
40,561,534
 
Residential Construction
   
40,800,117
     
32,504,143
     
8,295,974
     
-
 
Commercial
   
51,536,622
     
26,697,442
     
20,682,311
     
4,156,869
 
Total
 
$
150,930,361
   
$
65,316,945
   
$
40,895,013
   
$
44,718,403
 

60

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

2)  Investments (Continued)
 
Loan Loss Reserve

When a repurchase demand corresponding to a mortgage loan previously sold to a third party investor is received from a third-party investor, the relevant data is reviewed and captured so that an estimated future loss can be calculated. The key factors that are used in the estimated loss calculation are as follows: (i) lien position, (ii) payment status, (iii) claim type, (iv) unpaid principal balance, (v) interest rate, and (vi) validity of the demand. Other data is captured and is useful for management purposes; the actual estimated loss is generally based on these key factors. The Company conducts its own review upon the receipt of a repurchase demand. In many instances, the Company is able to resolve the issues relating to the repurchase demand by the third-party investor without having to make any payments to the investor.

The following is a summary of the loan loss reserve which is included in other liabilities and accrued expenses:

   
December 31
 
   
2016
(As Restated)
   
2015
(As Restated)
 
Balance, beginning of period
 
$
2,805,900
   
$
1,718,150
 
Provision for current loan originations (1)
   
2,988,754
     
2,845,940
 
Additional provision for loan loss reserve
   
1,700,000
     
3,449,103
 
Charge-offs and settlements
   
(6,866,921
)
   
(5,207,293
)
Balance, at December 31
 
$
627,733
   
$
2,805,900
 
                 
(1) Included in Mortgage fee income
               

The Company believes the loan loss reserve represents probable loan losses incurred as of the balance sheet date. Actual loan loss experience could change, in the near-term, from the established reserve based upon claims that could be asserted by third party investors. SecurityNational Mortgage believes there is potential to resolve any alleged claims by third party investors on acceptable terms. If SecurityNational Mortgage is unable to resolve such claims on acceptable terms, legal action may ensue. In the event of legal action by any third-party investor, SecurityNational Mortgage believes it has significant defenses to any such action and intends to vigorously defend itself against such action.

3)  Receivables

Receivables consist of the following:
 
   
December 31
 
   
2016
(As Restated)
   
2015
(As Restated)
 
Trade contracts
 
$
3,482,175
   
$
2,890,489
 
Receivables from sales agents
   
4,016,393
     
3,280,423
 
Held in Escrow – Southern Security
   
107,388
     
245,088
 
Other
   
1,122,890
     
1,345,690
 
Total receivables
   
8,728,846
     
7,761,690
 
Allowance for doubtful accounts
   
(2,355,482
)
   
(1,700,696
)
Net receivables
 
$
6,373,364
   
$
6,060,994
 

61

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014


4)  Value of Business Acquired and Goodwill

Information with regard to value of business acquired is as follows:

   
December 31
 
   
2016
   
2015
 
Balance at beginning of year
 
$
8,743,773
   
$
8,547,627
 
Value of  business acquired
   
-
     
1,473,272
 
Imputed interest at 7%
   
45,762
     
590,108
 
Amortization
   
(1,219,235
)
   
(1,867,234
)
Net amortization charged to income
   
(1,173,473
)
   
(1,277,126
)
Balance at end of year
 
$
7,570,300
   
$
8,743,773
 

Presuming no additional acquisitions, net amortization charged to income is expected to approximate $1,119,000, $1,041,000, $966,000, $899,000, and $835,000 for the years 2017 through 2021. Actual amortization may vary based on changes in assumptions or experience. As of December 31, 2016, value of business acquired is being amortized over a weighted average life of 5.4 years.

Information with regard to goodwill acquired is as follows:

   
December 31
 
   
2016
   
2015
 
Balance at beginning of year
 
$
2,765,570
   
$
2,765,570
 
Goodwill acquired
   
-
     
-
 
Other
   
-
     
-
 
                 
Balance at end of year
 
$
2,765,570
   
$
2,765,570
 

Goodwill is not amortized but tested annually for impairment. The annual impairment tests resulted in no impairment of goodwill.

5)  Property and Equipment

The cost of property and equipment is summarized below:

   
December 31
 
   
2016
   
2015
 
 Land and buildings
 
$
9,155,665
   
$
13,126,195
 
 Furniture and equipment
   
19,548,521
     
16,613,862
 
     
28,704,186
     
29,740,057
 
 Less accumulated depreciation
   
(19,912,664
)
   
(18,298,397
)
 Total
 
$
8,791,522
   
$
11,441,660
 

Depreciation expense for the years ended December 31, 2016, 2015 and 2014 was $2,182,724, $2,183,496 and $2,177,165, respectively.
62

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014


6)  Bank and Other Loans Payable

Bank loans payable are summarized as follows:
 
   
December 31
 
   
2016
(As Restated)
   
2015
(As Restated)
 
1.65% above the monthly LIBOR rate (0.625% at December 31, 2016) note payable in monthly installments of $13,741 including principal and interest, collateralized by real property with a book value of approximately $498,000, due November 2017.
 
$
147,346
   
$
312,240
 
                 
Mark to market of interest rate swaps (discussed below) adjustment
   
3,308
     
13,947
 
                 
6.50% note payable in monthly installments of $1,702 including principal and interest, collateralized by real property with a book value of approximately $278,000, due October 2041.
   
251,072
     
-
 
                 
2.25% above the monthly LIBOR rate (0.625% at December 31, 2016) plus 1/16th of the monthly LIBOR rate note payable in monthly principal payments of $13,167 plus interest, collateralized by real property with a book value of approximately
    $4,564,000, due October 2021.
   
3,133,787
     
3,260,266
 
                 
3.85% note payable in monthly installments of $86,059 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due January 2018.
   
1,093,349
     
2,062,512
 
                 
4.27% note payable in monthly installments of $53,881 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due November 2021.
   
2,904,354
     
-
 
                 
4.40% note payable in monthly installments of $46,825 including principal and interest, collateralized by real property with a book value of approximately $12,060,000, due January 2026.
   
7,927,526
     
8,135,438
 
                 
4.329% note payable in monthly installments of $9,775 including principal and interest, collateralized by real property with a book value of approximately $3,048,000, due September 2025.
   
1,992,056
     
2,020,993
 
                 
2.5% above the monthly LIBOR rate (0.625% at December 31, 2016) plus 1/16th of the monthly LIBOR rate construction loan payable, collateralized by real property with a book value of approximately $31,835,000, due August 2019.
   
8,777,941
     
-
 
                 
2.60% above 90 day LIBOR rate (0.99789% at December 31, 2016) note payable in monthly installments of  approximately $123,800, collateralized by real property with a book value of approximately $35,798,000, due October 2019.
   
27,377,114
     
24,933,346
 
                 
1 month LIBOR rate (0.625% at December 31, 2016) plus 3% loan purchase agreement with a warehouse line availability of $100,000,000, matures June 2018
   
76,843,180
     
61,302,069
 
                 
1 month LIBOR rate (0.625% at December 31, 2016) plus 3% loan purchase agreement with a warehouse line availability of $100,000,000, matures September 2017
   
21,578,951
     
28,794,630
 
                 
Other collateralized bank loans payable
   
109,734
     
169,212
 
Other notes payable
   
961
     
961
 
Total bank and other loans
   
152,140,679
     
131,005,614
 
                 
Less current installments
   
101,177,574
     
119,734,751
 
Bank and other loans, excluding current installments
 
$
50,963,105
   
$
11,270,863
 

63

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

6)   Bank and Other Loans Payable (Continued)

During 2001, the Company entered into an interest rate swap instrument that effectively fixed the interest rate on the note payable at 6.34% per annum. Management considers the interest rate swap instrument an effective cash flow hedge against the variable interest rate on the bank note since the interest rate swap mirrors the term of the note payable and expires on the maturity date of the bank loan it hedges. The interest rate swap is a derivative financial instrument carried at its fair value.

In the event the swap is terminated, any resulting gain or loss would be deferred and amortized to interest expense over the remaining life of the bank loan it hedged. In the event of early extinguishment of the hedged bank loan, any realized or unrealized gain or loss from the hedging swap would be recognized in income coincident with the extinguishment.

At December 31, 2016 and 2015, the fair value of the interest rate swap was an unrealized loss of $3,308 and $13,947, respectively, and was computed based on the underlying variable Libor rate plus 1.65%, or 2.65% per annum. The unrealized loss resulted in a derivative liability of $3,308 and $13,947 and has been reflected in accumulated other comprehensive income. The change in accumulated other comprehensive income from the interest rate swap in 2016 and 2015 was $10,639 and $17,423, respectively. The fair value of the interest rate swap was derived from a proprietary model of the bank from whom the interest rate swap was purchased and to whom the note is payable.

The Company has a $2,000,000 revolving line-of-credit with a bank with interest payable at the prime rate minus .75% (3.00% at December 31, 2016), secured by the capital stock of Security National Life and maturing September 30, 2017, renewable annually. At December 31, 2016, the Company was contingently liable under a standby letter of credit aggregating $560,350, to be used as collateral to cover any contingency related to additional risk assessments pertaining to the Company's captive insurance program and under a standby letter of credit aggregating $48,220 issued as a security deposit to guarantee payment of final bills for electric and gas utility services for a commercial real estate property owned by the Company in Wichita, Kansas. The Company does not expect any material losses to result from the issuance of the standby letter of credit because claims are not expected to exceed premiums paid. As of December 31, 2016, there were no amounts outstanding under the revolving line-of-credit.

The Company has a $2,500,000 revolving line-of-credit with a bank with interest payable at the overnight LIBOR rate plus 2.25% (2.9375% at December 31, 2016) maturing September 14, 2017. At December 31, 2016, SecurityNational Mortgage was contingently liable under a standby letter of credit aggregating $1,250,000, to be used as collateral to cover any contingency relating to claims filed in states where SecurityNational Mortgage is licensed. The Company does not expect any material losses to result from the issuance of the standby letters of credit. As of December 31, 2016, there were no amounts outstanding under the revolving line-of-credit.

The Company, through its subsidiary SecurityNational Mortgage, has a $100,000,000 line of credit with Wells Fargo Bank N.A. The agreement charges interest at the 1-Month LIBOR rate plus 3% and matures on June 16, 2018.   SecurityNational Mortgage is required to maintain an adjusted tangible net worth of $19,000,000, unrestricted cash of $10,000,000, indebtedness to adjusted tangible net worth of 12:1, liquidity overhead coverage of 1.75:1, and a quarterly gross profit of at least $1.

The Company, through its subsidiary SecurityNational Mortgage, also uses a line of credit with Texas Capital Bank N.A.   This agreement with the bank allows SecurityNational Mortgage to borrow up to $100,000,000 for the sole purpose of funding mortgage loans.  SecurityNational Mortgage is currently approved to borrow $30,000,000 of the $100,000,000 available.  The agreement charges interest at the 1-Month LIBOR rate plus 3% and matures on September 7, 2017. The Company is required to maintain an adjusted tangible net worth of $70,000,000, unrestricted cash of $15,000,000, and no two consecutive quarters with a net loss.

In addition to financial covenants of these agreements, the Company is required to carry insurance policies for errors and omissions and general liability and was in compliance with all debt covenants as of December 31, 2016.
64

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

6)   Bank and Other Loans Payable (Continued)
 
The following tabulation shows the combined maturities of bank loans payable, lines of credit and notes and contracts payable:
 
2017
 
$
101,177,574
 
2018
   
1,539,638
 
2019
   
36,128,905
 
2020
   
1,066,254
 
2021
   
3,436,591
 
Thereafter
   
8,791,717
 
Total
 
$
152,140,679
 

Interest expense in 2016, 2015 and 2014 was $5,111,868, $4,458,612 and $2,994,429, respectively.

7) Cemetery and Mortuary Endowment Care and Pre‑need Merchandise Funds

State law requires the Company to pay into endowment care trusts a portion of the proceeds from the sale of certain cemetery property interment rights for cemeteries that have established an endowment care trust. These endowment care trusts are defined as variable interest entities pursuant to generally accepted accounting principles. Also, management has determined that the Company is the primary beneficiary of these trusts, as it absorbs both a majority of the losses and returns associated with the trusts. The Company has consolidated cemetery endowment care trust investments with a corresponding amount recorded as Cemetery Perpetual Care Obligation in the accompanying consolidated balance sheets.

The components of the cemetery perpetual care obligation are as follows:

   
December 31
 
   
2016
   
2015
 
Trust investments, at market value
 
$
4,131,885
   
$
2,848,759
 
Note receivables from Cottonwood Mortuary
               
               
Singing Hills Cemetery and Memorial Estates eliminated in consolidation
   
1,725,714
     
1,780,618
 
Total trust assets
   
5,857,599
     
4,629,377
 
Cemetery perpetual care obligation
   
(3,598,580
)
   
(3,465,771
)
Fair value of trust assets in excess of trust obligations
 
$
2,259,019
   
$
1,163,606
 

The Company has also established certain restricted trust investments to provide for future merchandise and service obligations incurred in connection with its pre-need sales.

Assets in the restricted asset account are summarized as follows:

   
December 31
 
   
2016
   
2015
 
Cash and cash equivalents
 
$
8,070,972
   
$
7,206,863
 
Mutual funds
   
645,241
     
596,994
 
Fixed maturity securities
   
8,775
     
8,775
 
Equity securities
   
91,362
     
89,450
 
Participating in mortgage loans with Security National Life
   
1,575,044
     
1,457,720
 
Total
 
$
10,391,394
   
$
9,359,802
 

A surplus note receivable in the amount of $4,000,000 at December 31, 2016 and 2015, from Security National Life, was eliminated in consolidation. See Notes 1 and 16 for additional information regarding restricted assets.
65

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

8)  Income Taxes

The Company's income tax liability (benefit) is summarized as follows:

   
December 31
 
   
2016
(As Restated)
   
2015
(As Restated)
 
Current
 
$
(1,511,762
)
 
$
(215,366
)
Deferred
   
25,830,631
     
20,628,255
 
Total
 
$
24,318,869
   
$
20,412,889
 

Significant components of the Company's deferred tax (assets) and liabilities are approximately as follows:
 
   
December 31
 
   
2016
(As Restated)
   
2015
(As Restated)
 
Assets
           
Future policy benefits
 
$
(9,719,058
)
 
$
(7,551,336
)
Loan loss reserve
   
(288,590
)
   
(1,163,700
)
Unearned premium
   
(1,519,722
)
   
(1,610,684
)
Available for sale securities
   
(51,266
)
   
(150,984
)
Net operating loss
   
(1,531,160
)
   
(588,537
)
Deferred compensation
   
(2,225,208
)
   
(1,994,927
)
Deposit obligations
   
(1,033,580
)
   
(1,026,984
)
Other
   
(3,384,144
)
   
(3,694,959
)
Less: Valuation allowance
   
431,802
     
-
 
Total deferred tax assets
   
(19,320,926
)
   
(17,782,111
)
                 
Liabilities
               
Deferred policy acquisition costs
   
18,150,517
     
14,838,604
 
Basis difference in property and equipment
   
10,749,036
     
9,375,146
 
Value of business acquired
   
2,573,902
     
2,972,883
 
Deferred gains
   
9,290,123
     
6,902,888
 
Trusts
   
1,599,657
     
1,599,657
 
Tax on unrealized appreciation
   
2,788,322
     
2,721,188
 
Total deferred tax liabilities
   
45,151,557
     
38,410,366
 
Net deferred tax liability
 
$
25,830,631
   
$
20,628,255
 

The valuation allowance relates to differences between recorded deferred tax assets and liabilities and ultimate anticipated realization. For the year ended December 31, 2016, the Company recorded a valuation allowance of $431,802 that relates to the acquisition of First Guaranty Insurance Company that was completed on July 11, 2016.

The Company paid $2,667,918, $2,716,161 and $408,939 in income taxes for the years ended December 31, 2016, 2015 and 2014, respectively.
66

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

8)  Income Taxes (Continued)

The Company's income tax expense (benefit) is summarized as follows for the years ended December 31:

   
2016
(As Restated)
   
2015
(As Restated)
   
2014
(As Restated)
 
Current
                 
  Federal
 
$
1,138,196
   
$
2,423,846
   
$
1,532,539
 
  State
   
245,764
     
412,175
     
121,124
 
     
1,383,960
     
2,836,021
     
1,653,663
 
                         
Deferred
                       
  Federal
   
5,686,651
     
4,413,336
     
3,406,545
 
  State
   
443,993
     
412,674
     
449,911
 
     
6,130,644
     
4,826,010
     
3,856,456
 
                         
Total
 
$
7,514,604
   
$
7,662,031
   
$
5,510,119
 
 
The reconciliation of income tax expense at the U.S. federal statutory rates is as follows:
 
   
2016
(As Restated)
   
2015
(As Restated)
   
2014
(As Restated)
 
Computed expense at statutory rate
 
$
6,699,099
   
$
7,144,580
   
$
4,667,165
 
State tax expense, net of federal tax benefit
   
455,240
     
544,400
     
376,883
 
Change in valuation allowance
   
431,802
     
-
     
-
 
Other, net
   
(71,537
)
   
(26,949
)
   
466,071
 
Tax expense
 
$
7,514,604
   
$
7,662,031
   
$
5,510,119
 

At December 31, 2016, the Company had no significant unrecognized tax benefits. As of December 31, 2016, the Company does not expect any material changes to the estimated amount of unrecognized tax benefits in the next twelve months. Federal and state income tax returns for 2013 through 2016 are subject to examination by taxing authorities.

9)  Reinsurance, Commitments and Contingencies

Reinsurance

The Company follows the procedure of reinsuring risks in excess of a specified limit, which ranged from $25,000 to $100,000 during the years 2016 and 2015. The Company is liable for these amounts in the event such reinsurers are unable to pay their portion of the claims. The Company has also assumed insurance from other companies having insurance in force amounting to approximately $110,000 (unaudited) and approximately $1,468,935,000 (unaudited) at December 31, 2016 and 2015, respectively. The Company terminated its participation in Servicemembers' Group Life Insurance in 2016 causing this assumed insurance in force amount to decrease.

Reinsurance Agreement with North America Life Insurance Company

On May 8, 2015, the Company, through its wholly owned subsidiary, Security National Life, signed a paid-up business offer under a coinsurance agreement that was effective December 1, 2010 to reinsure certain life insurance policies from North America Life Insurance Company ("North America Life"). Pursuant to the paid-up business offer, North America Life ceded and transferred to Security National Life all contractual obligations and risks under the coinsured policies. Security National Life paid a ceding commission to North America Life in the amount of $281,908. As a result of the ceding commission, North America Life transferred $8,900,282 of cash and $9,182,190 in statutory reserves, or liabilities, to Security National Life.
67

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

9)  Reinsurance, Commitments and Contingencies (Continued)

Reinsurance Agreement with American Republic Insurance Company

On February 11, 2015, the Company, through its wholly owned subsidiary, Security National Life, signed a coinsurance agreement to reinsure certain life insurance policies from American Republic Insurance Company ("American Republic").  The policies were previously reinsured by North America Life under a coinsurance agreement between World Insurance Company ("World Insurance") and North America Life that was entered into on July 22, 2009, which was subsequently commuted.  World Insurance was subsequently purchased by and merged into American Republic.  The current coinsurance agreement is now between Security National Life and American Republic and became effective on January 1, 2015.  As part of the coinsurance agreement, American Republic transferred all contractual obligations and risks to Security National Life and Security National Life took control of $15,004,771 of assets in a trust account held by Texas Capital Bank as the trustee. The assets have subsequently been moved to a trust account held by Zions Bank as the trustee.

Mortgage Loan Loss Settlements

Future loan losses can be extremely difficult to estimate. However, management believes that the Company's reserve methodology and its current practice of property preservation allow it to estimate potential losses on loans sold. The additional amounts expensed for loan losses in years ended December 31, 2016, 2015 and 2014 were $1,700,000, $3,449,103 and $1,000,000, respectively, and the charge has been included in selling, general and administrative expenses. The estimated liability for indemnification losses is included in other liabilities and accrued expenses and, as of December 31, 2016 and 2015, the balances were $628,000 and $2,806,000, respectively.

Settlement of Investigation by U.S. Department of Justice and the Office of the Inspector General for the U.S. Department of Housing and Urban Development (HUD) of Certain FHA-Insured Mortgage Loans Originated

On September 30, 2016, the Company, through its wholly owned subsidiary, SecurityNational Mortgage, announced the execution of a settlement agreement with the U.S. Department of Justice and the United States Attorney's Office in connection with the origination and underwriting by SecurityNational Mortgage of certain Federal Housing Administration (FHA) insured loans.  SecurityNational Mortgage, like many other high volume FHA-approved lenders, was being reviewed by the U.S. Department of Justice and the Office of the Inspector General of the U.S. Department of Housing and Urban Development (HUD) for loan origination activities that occurred as long as nine years ago.

Without any admission of liability and in order to avoid the extended distractions and expenses associated with protracted litigation, SecurityNational Mortgage made a business decision to resolve this matter.  Pursuant to the settlement agreement, SecurityNational Mortgage was required to make a payment in the amount of $4,250,000 to the U.S. Department of Justice, which payment was made on October 4, 2016. SecurityNational Mortgage continues to be able to originate FHA-insured mortgage loans and participate fully in all FHA programs as this settlement agreement does not affect SecurityNational Mortgage's status with the Department of Housing and Urban Development.  In addition, this settlement does not include any allegations or findings against any particular individuals, such as officers, directors, employees or agents of SecurityNational Mortgage.

Mortgage Loan Loss Litigation

Lehman Brothers and Aurora Loan Services Litigation - Utah

On April 15, 2005, SecurityNational Mortgage entered into a Loan Purchase Agreement with Lehman Brothers Bank, FSB ("Lehman Bank") which agreement incorporated a Seller's Guide.  Pursuant to the Loan Purchase Agreement, Lehman Bank purchased mortgage loans from time to time from SecurityNational Mortgage.  Lehman Bank asserted that certain of the mortgage loans that it purchased from SecurityNational Mortgage contained alleged misrepresentations and early payment defaults.  As a result, Lehman Bank contended it had the right to require SecurityNational Mortgage to repurchase certain loans or be liable for losses related to such Loans under the Loan Purchase Agreement. SecurityNational Mortgage disagreed with these claims.
68

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

9)  Reinsurance, Commitments and Contingencies (Continued)

On December 17, 2007, SecurityNational Mortgage entered into an Indemnification Agreement with Lehman Bank and Aurora Loan Services LLC ("Aurora").  Under the terms of the Indemnification Agreement, SecurityNational Mortgage agreed to indemnify Lehman Bank and Aurora for certain amounts of actual losses, as defined, that Lehman Bank and Aurora may incur on account of the alleged breaches and early payment defaults pertaining to certain identified loans. A reserve account was set up to cover said losses.  From the time the reserve account was established, approximately $4,300,000 was taken from the reserve account to indemnify Lehman Bank and Aurora for alleged losses.  On March 28, 2011, Aurora Bank FSB (formerly known as Lehman Brothers Bank, FSB) ("Aurora Bank") and Aurora allegedly assigned certain rights and remedies under the Indemnification Agreement to Lehman Brothers Holdings, Inc. ("Lehman Holdings").

On May 11, 2011, SecurityNational Mortgage filed a complaint against Aurora Bank and Aurora in the United States District Court, Utah, which was assigned to Judge David Nuffer.  The allegations in the complaint included breach of the Indemnification Agreement.  SecurityNational Mortgage claimed it was entitled to a judgment of approximately $4,000,000 against Aurora Bank, as well as Aurora to the extent of its involvement, for payments which should not have been taken from the reserve account.

On June 8, 2011, Lehman Holdings, which had filed for bankruptcy in September 2008, filed a complaint in the United States District Court, Utah against SecurityNational Mortgage. The case was assigned to Judge Ted Stewart. The complaint alleged claims for damages for breach of contract and breach of warranty pursuant to the Loan Purchase Agreement, as well as alleged early payment default loans, and initially claimed damages in excess of $5,000,000.  Lehman Holdings further alleged that Aurora Bank sold mortgage loans to it and assigned contractual rights and remedies.  SecurityNational Mortgage strongly disagreed with the claims in Lehman Holdings' complaint.

On November 29, 2016, Judge Nuffer entered a judgment in favor of SecurityNational Mortgage Company, jointly and severally against Aurora Commercial Corporation (successor by merger to Aurora Bank), Aurora Bank and Aurora. The amount of the judgment was $3,892,974 principal, plus interest through May 31, 2014 in the amount of $1,674,240, plus interest for each day after May 31, 2014 until judgment (dated November 29, 2016) at the rate of $960 per diem.

In December 2016, the cases before Judge Nuffer and Judge Stewart were settled. Final settlement agreements were executed on December 20, 2016, which were effective as of December 9, 2016. Under the terms of the settlement, payments were made by Aurora Commercial to SecurityNational Mortgage, and by SecurityNational Mortgage to Lehman Holdings. The net result of the settlement involving both of the Utah cases was that $2,125,000 more was paid to Lehman Holdings. Additionally, the release agreed to by the parties covered claims arising from the sale of mortgage loans by SecurityNational Mortgage to Aurora Bank or Lehman Holdings that were included in the Utah cases.

Lehman Brothers Litigation – Delaware and New York

In January 2014, Lehman Holdings entered into a settlement with the Federal National Mortgage Association (Fannie Mae) concerning the mortgage loan claims asserted by Fannie Mae against Lehman Holdings that were based on alleged breaches of certain representations and warranties by Lehman Holdings.  Lehman Holdings had acquired these loans from Aurora Bank, which in turn purchased the loans from residential mortgage loan originators, including SecurityNational Mortgage.  A settlement based on similar circumstances was entered into between Lehman Holdings and the Federal Home Loan Mortgage Corporation (Freddie Mac) in February 2014.

Lehman Holdings filed a motion in May 2014 with the U.S. Bankruptcy Court of the Southern District of New York to require the mortgage loan originators, including SecurityNational Mortgage, to engage in non-binding mediations of its alleged indemnification claims against the mortgage loan originators relative to the Fannie Mae and Freddie Mac settlements with Lehman Holdings.  The mediation was not successful in resolving any issues between SecurityNational Mortgage and Lehman Holdings.

On January 26, 2016, SecurityNational Mortgage filed a declaratory judgment action against Lehman Holdings in the Superior Court for the State of Delaware.  In the Delaware action, SecurityNational Mortgage asserted its right to obtain a declaration of rights in that there are allegedly millions of dollars in dispute with Lehman Holdings pertaining to approximately 136 loans.  SecurityNational Mortgage sought declaratory judgment as to its rights as it contends that it has no liability to Lehman Holdings as a result of Lehman Holdings' settlements with Fannie Mae and Freddie Mac.  Lehman Holdings filed a motion in the Delaware court seeking to stay or dismiss the declaratory judgment action.  On August 24, 2016, the Court ruled that it would exercise its discretion to decline jurisdiction over the action and granted Lehman Holdings' motion to dismiss.
69

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

9)  Reinsurance, Commitments and Contingencies (Continued)

On February 3, 2016, Lehman Holdings filed an adversary proceeding against approximately 150 mortgage loan originators, including SecurityNational Mortgage, in the U.S. Bankruptcy Court of the Southern District of New York seeking a declaration of rights similar in nature to the declaration that SecurityNational Mortgage sought in its Delaware lawsuit, and for damages relating to the defendants' obligations under indemnification provisions of the alleged agreements, in amounts to be determined at trial, including interest, attorneys' fees and costs incurred by Lehman Holdings in enforcing the obligations of the defendants.  A Case Management Order ("CMO") was entered on November 1, 2016.  On December 27, 2016, pursuant to the CMO, Lehman Holdings filed a Second Amended Complaint against SecurityNational Mortgage.  The case is presently in a motion period and no Answer is required to be filed by SecurityNational Mortgage pending further order of the Court.  SecurityNational Mortgage denies that it has any liability to Lehman Holdings and intends to vigorously protect and defend such position.

Non-Cancelable Leases

The Company leases office space and equipment under various non-cancelable agreements, with remaining terms up to five years. Minimum lease payments under these non-cancelable operating leases as of December 31, 2016, are approximately as follows:
 
Years Ending
     
December 31
     
2017
 
$
6,556,093
 
2018
   
4,121,399
 
2019
   
2,583,941
 
2020
   
1,151,873
 
2021
   
496,713
 
Total
 
$
14,910,019
 

Total rent expense related to non-cancelable operating leases for the years ended December 31, 2016, 2015, and 2014 was approximately $7,879,000, $7,199,000 and $5,589,000, respectively.

Other Contingencies and Commitments

The Company has entered into commitments to fund construction and land development loans and has also provided financing for land acquisition and development. As of December 31, 2016, the Company's commitments were approximately $56,422,000, for these loans of which $40,800,000 had been funded. The Company will advance funds once the work has been completed and an independent inspection is made. The maximum loan commitment ranges between 50% and 80% of appraised value. The Company receives fees and interest for these loans and the interest rate is generally fixed 5.50% to 8.00% per annum. Maturities range between six and eighteen months.

The Company belongs to a captive insurance group for certain casualty insurance, worker compensation and liability programs. Insurance reserves are maintained relative to these programs. The level of exposure from catastrophic events is limited by the purchase of stop-loss and aggregate liability reinsurance coverage. When estimating the insurance liabilities and related reserves, the captive insurance management considers a number of factors, which include historical claims experience, demographic factors, severity factors and valuations provided by independent third-party actuaries. If actual claims or adverse development of loss reserves occurs and exceed these estimates, additional reserves may be required. The estimation process contains uncertainty since captive insurance management must use judgment to estimate the ultimate cost that will be incurred to settle reported claims and unreported claims for incidents incurred but not reported as of the balance sheet date. At December 31, 2016, $416,576 of reserves was established related to such insurance programs versus $834,855 at December 31, 2015.
70

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

9)  Reinsurance, Commitments and Contingencies (Continued)

The Company is a defendant in various other legal actions arising from the normal conduct of business. Management believes that none of the actions will have a material effect on the Company's financial position or results of operations. Based on management's assessment and legal counsel's representations concerning the likelihood of unfavorable outcomes, no amounts have been accrued for the above claims in the consolidated financial statements.

The Company is not a party to any other material legal proceedings outside the ordinary course of business or to any other legal proceedings, which, if adversely determined, would have a material adverse effect on its financial condition or results of operations.

10)  Retirement Plans

The Company and its subsidiaries have a noncontributory Employee Stock Ownership Plan ("ESOP") for all eligible employees. Eligible employees are primarily those with more than one year of service, who work in excess of 1,000 hours per year. Contributions, which may be in cash or stock of the Company, are determined annually by the Board of Directors.

The Company's contributions are allocated to eligible employees based on the ratio of each eligible employee's compensation to total compensation for all eligible employees during each year. The Company did not make any contributions for the years ended December 31, 2016, 2015 and 2014. At December 31, 2016, the ESOP held 500,450 shares of Class A and 265,623 shares of Class C common stock of the Company. All shares held by the ESOP have been allocated to the participating employees and all shares held by the ESOP are considered outstanding for purposes of computing earnings per share.

The Company has three 401(k) savings plans covering all eligible employees, as defined above, which includes employer participation in accordance with the provisions of Section 401(k) of the Internal Revenue Code. The plans allow participants to make pretax contributions up to a maximum of $18,000, $18,000 and $17,500 for the years 2016, 2015 and 2014, respectively or the statutory limits.

Beginning January 1, 2008, the Company elected to be a "Safe Harbor" Plan for its matching 401(k) contributions. The Company matched 100% of up to 3% of an employee's total annual compensation and matched 50% of 4% to 5% of an employee's annual compensation. The match was in Company stock. The Company's contribution for the years ended December 31, 2016, 2015 and 2014 was $1,429,962, $1,197,236 and $899,850, respectively under the "Safe Harbor" plan.

In 2001, the Company's Board of Directors adopted a Deferred Compensation Plan. Under the terms of the Plan, the Company will provide deferred compensation for a select group of management or highly compensated employees, within the meaning of Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974, as amended. The Board has appointed a Committee of the Company to be the Plan Administrator and to determine the employees who are eligible to participate in the plan. The employees who participate may elect to defer a portion of their compensation into the plan. The Company may contribute into the plan at the discretion of the Company's Board of Directors. The Company did not make any contributions for 2016, 2015 and 2014.

On July 16, 2004, the Company entered into an employment agreement with Scott M. Quist, the Chairman of the Board, President and Chief Executive Officer. The agreement is effective as of December 4, 2003 and has a five-year term, but the Company has agreed to renew the agreement on December 4, 2008 and 2013 for additional five-year terms, provided Mr. Quist performs his duties with usual and customary care and diligence. Under the terms of the agreement, Mr. Quist is to devote his full time to the Company serving as its Chairman of the Board, President, and Chief Executive Officer at not less than his current salary and benefits. The Company also agrees to maintain a group term life insurance policy of not less than $1,000,000 on Mr. Quist's life and a whole life insurance policy in the amount of $500,000 on Mr. Quist's life. In the event of disability, Mr. Quist's salary would be continued for up to five years at 75% of its current level.
71

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

10)  Retirement Plans (Continued)
      
In the event of a sale or merger of the Company and Mr. Quist is not retained in his current position, the Company would be obligated to continue Mr. Quist's current compensation and benefits for seven years following the merger or sale. The agreement further provides that Mr. Quist is entitled to receive annual retirement benefits beginning (i) one month from the date of his retirement (to commence no sooner than age 65), (ii) five years following complete disability, or (iii) upon termination of his employment without cause. These retirement benefits are to be paid for a period of twenty years in annual installments in the amount equal to 75% of his then current rate of compensation. However, in the event that Mr. Quist dies prior to receiving all retirement benefits there under, the remaining benefits are to be paid to his heirs. The Company expensed $511,443, $999,961 and $833,183 during the years ended December 31,  2016, 2015 and 2014, respectively, to cover the present value of anticipated retirement benefits under the employment agreement. The liability accrued is $3,776,368 and $3,264,925 as of December 31, 2016 and 2015, respectively and is included in "Other liabilities and accrued expenses" on the Consolidated Balance Sheet.

On December 31, 2015, J. Lynn Beckstead, Jr., who served as Vice President of Mortgage Operations and President of SecurityNational Mortgage, retired from the Company. Under the terms of the employment agreement that the Company, through its wholly owned subsidiary, SecurityNational Mortgage, had entered into with Mr. Beckstead, Mr. Beckstead is entitled to receive retirement benefits from the Company for a period of ten years in an amount equal to 50% of his current rate of compensation at the time of his retirement, which was $267,685 for the year ended December 31, 2015. Such retirement payments are paid monthly during the ten-year period. In determining Mr. Beckstead's current rate of compensation, stock option grants and incentive or similar bonuses are not included. In the event Mr. Beckstead dies prior to receiving all of his retirement benefits under his employment agreement, the remaining benefits will be made to his heirs. The Company expensed $148,557, $320,039 and $154,817 during the years ended December 31, 2016, 2015 and 2014, respectively, to cover the present value of the retirement benefits under the employment agreement. The company paid $133,842 in retirement compensation to Mr. Beckstead during the year ended December 31, 2016. The liability accrued was $1,109,277 and $1,093,720 as of December 31, 2016 and 2015, respectively and is included in "Other liabilities and accrued expenses" on the Consolidated Balance Sheet.

11)  Capital Stock

The Company has one class of preferred stock of $1.00 par value, 5,000,000 shares authorized, of which none are issued. The preferred stock is non-voting.

The Company has two classes of common stock with shares outstanding, Class A common shares and Class C common shares. Class C shares have 10 votes per share on all matters except for the election of one third of the directors who are elected solely by the Class A shares. Class C shares are convertible into Class A shares at any time on a one to one ratio. The decrease in treasury stock was the result of treasury stock being used to fund the company's 401(k) and Deferred Compensation Plans.

Stockholders of both Class A and Class C common stock have received 5% stock dividends in the years 1990 through 2016, as authorized by the Company's Board of Directors.

The Company has Class B common stock of $1.00 par value, 5,000,000 shares authorized, of which none are issued. Class B shares are non-voting stock except to any proposed amendment to the Articles of Incorporation which would affect Class B common stock.

On July 2, 2014, the stockholders approved a 1-for-10 reverse stock split of the Company's Class C common stock at the Annual Meeting of Stockholders.  Concurrently with the approval of the reverse stock split, the stockholders also approved amendments to Article V of the Company's Articles of Incorporation to provide that each share of Class C common stock will have weighted voting of ten votes per share and that each share of Class C common stock may be converted into one share of Class A common stock.  The Board of Directors had previously approved the reverse stock split and weighted voting of Class C common stock.  Prior to the approval of the reverse stock split and weighted voting of Class C shares, the Company's Articles of Incorporation provided that each share of Class C common stock had one vote per share and that Class C common shares were convertible into Class A common shares at a conversion ratio of ten shares of Class C common stock for one share of Class A common stock.
72

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

11)  Capital Stock (Continued)

The reverse stock split and weighted voting of the Company's Class C common stock became effective on August 1, 2014, when the Articles of Restatement and Amendment to the Company's Articles of Incorporation were filed with the Utah Division of Corporations and Commercial Code. The reverse stock split affected all of the holders of the Company's Class C common stock uniformly but did not affect any Class C stockholder's percentage ownership interest in the Company or proportionate voting power, except for insignificant changes that resulted from the rounding up of fractional shares. Additionally, the reverse stock split did not impact the existing shares of Class A common stock.

The following table summarizes the activity in shares of capital stock for the three-year period ended December 31, 2016:
 
   
Class A
   
Class C (1)
 
Balance at December 31, 2013
   
11,807,287
     
1,330,191
 
                 
Exercise of stock options
   
54,412
     
-
 
Stock dividends
   
595,020
     
66,384
 
Reverse stock split true up
   
-
     
15
 
Conversion of Class C to Class A
   
2,521
     
(2,521
)
                 
Balance at December 31, 2014
   
12,459,240
     
1,394,069
 
                 
Exercise of stock options
   
23,961
     
241,652
 
Stock dividends
   
624,483
     
75,335
 
Conversion of Class C to Class A
   
1,416
     
(1,416
)
                 
Balance at December 31, 2015
   
13,109,100
     
1,709,640
 
                 
Exercise of stock options
   
42,634
     
104,975
 
Stock dividends
   
657,919
     
96,967
 
Conversion of Class C to Class A
   
9,353
     
(9,353
)
                 
Balance at December 31, 2016
   
13,819,006
     
1,902,229
 
 
(1)
 Class C shares have been retroactively adjusted for the effect of the 1-for-10 reverse stock split that was approved by the stockholders in 2014.

73

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

11)  Capital Stock (Continued)
 
Earnings per share amounts have been retroactively adjusted for the effect of annual stock dividends. In accordance with accounting principles generally accepted in the United States of America, the basic and diluted earnings per share amounts were calculated as follows:

   
2016
(As Restated)
   
2015
(As Restated)
   
2014
(As Restated)
 
Numerator:
                 
Net earnings
 
$
12,188,627
   
$
13,351,441
   
$
8,216,832
 
                         
Denominator:
                       
                       
Denominator for basic earnings per share-weighted-average shares
   
14,806,290
     
14,439,274
     
13,893,260
 
                       
Effect of dilutive securities Employee stock options
   
320,914
     
512,559
     
451,215
 
Dilutive potential common shares
   
320,914
     
512,559
     
451,215
 
                       
Denominator for diluted earnings per share-adjusted weighted-average shares and assumed conversions
   
15,127,204
     
14,951,833
     
14,344,475
 
                         
Basic earnings per share
 
$
0.82
   
$
0.92
   
$
0.59
 
Diluted earnings per share
 
$
0.81
   
$
0.89
   
$
0.57
 

74

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014


12)  Stock Compensation Plans

The Company has four fixed option plans (the "2003 Plan", the "2006 Director Plan", the "2013 Plan" and the "2014 Director Plan"). Compensation expense for options issued of $343,577, $387,608 and $391,220 has been recognized under these plans for the years ended December 31, 2016, 2015 and 2014, respectively. As of December 31, 2016, the total unrecognized compensation expense related to the options issued in December 2016 was $374,914, which is expected to be recognized over the vesting period of one year.

The weighted-average fair value of each option granted in 2016 under the 2013 Plan, is estimated at $2.17 for the December 21, 2016 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 54.42%, risk-free interest rate of 1.99%, and an expected term of 5.31 years.

The weighted-average fair value of each option granted in 2016 under the 2014 Director Plan, is estimated at $2.41 for the December 7, 2016 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 54.60%, risk-free interest rate of 1.93%, and an expected term of 5.31 years.

The weighted-average fair value of each option granted in 2016 under the 2013 Plan and the 2014 Director Plan, is estimated at $1.89 for the December 2, 2016 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 47.05%, risk-free interest rate of 1.78%, and an expected term of 4.33 years.

The weighted-average fair value of each option granted in 2015 under the 2014 Director Plan, is estimated at $1.61 for the December 7, 2015 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 43.11%, risk-free interest rate of 1.80%, and an expected term of 5.32 years.

The weighted-average fair value of each option granted in 2015 under the 2013 Plan and the 2014 Director Plan, is estimated at $1.61 for the December 4, 2015 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 43.15%, risk-free interest rate of 1.83%, and an expected term of 5.32 years. The weighted-average fair value of each option granted in 2014 under the 2014 Director Plan, is estimated at $1.56 for the December 7, 2014 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 52.27%, risk-free interest rate of 1.76%, and an expected term of 5.31 years.

The weighted-average fair value of each option granted in 2014 under the 2013 Plan and the 2014 Director Plan, is estimated at $1.56 for the December 5, 2014 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 52.31%, risk-free interest rate of 1.69%, and an expected term of 5.31 years.

The weighted-average fair value of each option granted in 2014 under the 2013 Plan is estimated at $1.74 for the July 2, 2014 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 57.77%, risk-free interest rate of 1.79%, and an expected term of 5.32 years.

The Company generally estimates the expected life of the options based upon the contractual term of the options adjusted for actual experience. Future volatility is estimated based upon the weighted historical volatility of the Company's Class A common stock over a period equal to the estimated life of the options. Common stock issued upon exercise of stock options are generally new share issuances rather than from treasury shares.
75

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

12)   Stock Compensation Plans (Continued)
 
Activity of the stock option plans is summarized as follows:

   
Number of
Class A
Shares
   
Weighted
Average
Exercise
Price
   
Number of
Class C
Shares
   
Weighted
Average
Exercise
Price
 
Outstanding at December 31, 2013
   
405,133
   
$
2.41
     
508,657
   
$
2.00
 
Adjustment for the effect of stock dividends
   
24,446
             
32,934
         
Granted
   
173,500
             
150,000
         
Exercised
   
(59,713
)
           
-
         
Cancelled
   
(30,571
)
           
-
         
                                 
Outstanding at December 31, 2014
   
512,795
   
$
3.20
     
691,591
   
$
2.54
 
Adjustment for the effect of stock dividends
   
29,335
             
27,497
         
Granted
   
133,500
             
100,000
         
Exercised
   
(26,850
)
           
(241,652
)
       
Cancelled
   
(30,519
)
           
-
         
                                 
Outstanding at December 31, 2015
   
618,261
   
$
3.89
     
577,436
   
$
3.54
 
Adjustment for the effect of stock dividends
   
35,346
             
26,491
         
Granted
   
133,500
             
80,000
         
Exercised
   
(42,634
)
           
(127,629
)
       
Cancelled
   
(2,500
)
           
-
         
                                 
Outstanding at December 31, 2016
   
741,973
   
$
4.33
     
556,298
   
$
4.52
 
                                 
Exercisable at end of year
   
601,731
   
$
3.78
     
472,298
   
$
4.02
 
                                 
Available options for future grant
   
253,432
             
-
         
                               
Weighted average contractual term of options outstanding at December 31, 2016
 
7.37 years
           
2.67 years
         
                               
Weighted average contractual term of options exercisable at December 31, 2016
 
6.77 years
           
2.27 years
         
                                 
Aggregated intrinsic value of options outstanding at December 31, 2016 (1)
 
$
1,452,902
           
$
1,079,136
         
                               
Aggregated intrinsic value of options exercisable at December 31, 2016 (1)
 
$
1,452,574
           
$
1,079,136
         
                                 
(1) The Company used a stock price of $6.19 as of December 31, 2016 to derive intrinsic value.
 


The total intrinsic value (which is the amount by which the fair value of the underlying stock exceeds the exercise price of an option on the exercise date) of stock options exercised during the years ended December 31, 2016 and 2015 was $670,959 and $1,190,879, respectively.
76

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

13)  Statutory Financial Information and Dividend Limitations

The Company's insurance subsidiaries prepare their statutory-basis financial statements in conformity with accounting practices prescribed or permitted by the insurance department of the applicable state of domicile. Prescribed statutory accounting practices include a variety of publications of the National Association of Insurance Commissioners ("NAIC"), as well as state laws, regulations and general administrative rules. Permitted statutory accounting practices encompass all accounting practices not so prescribed.

All states require domiciled insurance companies to prepare statutory-basis financial statements in conformity with the NAIC Accounting Practices and Procedures Manual, subject to any deviations prescribed or permitted by the applicable insurance commissioner and/or director. Statutory accounting practices differ from GAAP primarily since they require charging policy acquisition and certain sales inducement costs to expense as incurred, establishing life insurance reserves based on different actuarial assumptions, and valuing certain investments and establishing deferred taxes on a different basis.

Statutory net income and capital and surplus of the Company's insurance subsidiaries, determined in accordance with statutory accounting practices prescribed or permitted by insurance regulatory authorities are as follows:
 
   
Net Income
   
Capital and Surplus
 
   
2016
   
2015
   
2014
   
2016
   
2015
 
Amounts by insurance subsidiary:
                             
Security National Life Insurance Company
 
$
2,601,408
   
$
3,478,338
   
$
5,137,208
   
$
36,789,358
   
$
32,771,066
 
                                         
First Guaranty Insurance Company
   
174,562
     
-
     
-
     
4,091,847
     
-
 
                                         
Memorial Insurance Company of America
   
460
     
49
     
415
     
1,081,319
     
1,082,059
 
                                         
Southern Security Life Insurance Company, Inc.
   
889
     
491
     
467
     
1,592,440
     
1,590,605
 
                                         
Trans-Western Life Insurance Company
   
1,203
     
(52
)
   
1,304
     
500,333
     
499,130
 
                                         
Total
 
$
2,778,522
   
$
3,478,826
   
$
5,139,394
   
$
44,055,297
   
$
35,942,860
 

The Utah, Arkansas, Louisiana, Mississippi and Texas Insurance Departments impose minimum risk-based capital ("RBC") requirements that were developed by the NAIC on insurance enterprises. The formulas for determining the RBC specify various factors that are applied to financial balances or various levels of activity based on the perceived degree of risk. Regulatory compliance is determined by a ratio (the "Ratio") of the enterprise's regulatory total adjusted capital, as defined by the NAIC, to its authorized control level, as defined by the NAIC. Enterprises below specific trigger points or ratios are classified within certain levels, each of which requires specified corrective action. The life insurance subsidiaries have a combined weighted Ratio that is greater than the first level of regulatory action as of December 31, 2016.

Generally, the net assets of the life insurance subsidiaries available for transfer to the Company are limited to the amounts of the life insurance subsidiaries net assets, as determined in accordance with statutory accounting practices, which were $44,055,297 at December 31, 2016, exceed minimum statutory capital requirements; however, payments of such amounts as dividends are subject to approval by regulatory authorities.
77

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

14)   Business Segment Information

Description of Products and Services by Segment

The Company has three reportable business segments: life insurance, cemetery and mortuary, and mortgage. The Company's life insurance segment consists of life insurance premiums and operating expenses from the sale of insurance products sold by the Company's independent agency force and net investment income derived from investing policyholder and segment surplus funds. The Company's cemetery and mortuary segment consists of revenues and operating expenses from the sale of at-need cemetery and mortuary merchandise and services at its mortuaries and cemeteries, pre-need sales of cemetery spaces after collection of 10% or more of the purchase price and the net investment income from investing segment surplus funds. The Company's mortgage segment consists of fee income and expenses from the originations of residential mortgage loans and interest earned and interest expenses from warehousing pre-sold loans before the funds are received from financial institutional investors.

Measurement of Segment Profit or Loss and Segment Assets

The accounting policies of the reportable segments are the same as those described in the Significant Accounting Principles. Intersegment revenues are recorded at cost plus an agreed upon intercompany profit, and are eliminated upon consolidation.

Factors Management Used to Identify the Enterprise's Reportable Segments

The Company's reportable segments are business units that are managed separately due to the different products provided and the need to report separately to the various regulatory jurisdictions. The Company regularly reviews the quantitative thresholds and other criteria to determine when other business segments may need to be reported.
78

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

14)  Business Segment Information (Continued)

   
2016 (As Restated)
 
   
Life
   
Cemetery/
         
Intercompany
       
   
Insurance
   
Mortuary
   
Mortgage
   
Eliminations
   
Consolidated
 
Revenues:
                             
From external sources:
                             
Revenue from customers
 
$
66,902,126
   
$
12,267,640
   
$
181,141,687
   
$
-
   
$
260,311,453
 
Net investment income
   
28,618,485
     
312,494
     
8,651,465
     
-
     
37,582,444
 
Realized gains (losses) on investments and other assets
   
(277,040
)
   
211,429
     
(110,776
)
   
-
     
(176,387
)
Other than temporary impairments
   
(270,358
)
   
-
     
-
     
-
     
(270,358
)
Other revenues
   
632,260
     
88,676
     
6,166,813
     
-
     
6,887,749
 
Intersegment revenues:
                                       
Net investment income
   
7,119,692
     
691,876
     
327,778
     
(8,139,346
)
   
-
 
Total revenues
   
102,725,165
     
13,572,115
     
196,176,967
     
(8,139,346
)
   
304,334,901
 
Expenses:
                                       
Death and other policy benefits
   
33,387,380
     
-
     
-
     
-
     
33,387,380
 
Increase in future policy benefits
   
21,322,195
     
-
     
-
     
-
     
21,322,195
 
                                       
Amortization of deferred policy and preneed acquisition costs and value of business acquired
   
7,647,097
     
356,078
     
-
     
-
     
8,003,175
 
Depreciation
   
596,827
     
390,362
     
1,195,535
     
-
     
2,182,724
 
                                       
General, administrative and other costs:
                                       
Intersegment
   
-
     
148,025
     
219,974
     
(367,999
)
   
-
 
Provision for loan losses
   
-
     
-
     
1,700,000
     
-
     
1,700,000
 
Costs related to funding mortgage
                                       
  loans
   
-
     
-
     
9,191,488
     
-
     
9,191,488
 
Other
   
29,478,156
     
10,524,535
     
163,730,148
     
1
     
203,732,840
 
Interest expense:
                                       
Intersegment
   
781,078
     
651,046
     
6,339,224
     
(7,771,348
)
   
-
 
Other
   
1,654,264
     
282,878
     
3,174,726
     
-
     
5,111,868
 
Total benefits and expenses
   
94,866,997
     
12,352,924
     
185,551,095
     
(8,139,346
)
   
284,631,670
 
Earnings before income taxes
 
$
7,858,168
   
$
1,219,191
   
$
10,625,872
   
$
-
   
$
19,703,231
 
Income tax expense
   
(3,451,292
)
   
-
     
(4,063,312
)
   
-
     
(7,514,604
)
Net earnings
 
$
4,406,876
   
$
1,219,191
   
$
6,562,560
   
$
-
   
$
12,188,627
 
                                         
Identifiable assets
 
$
821,097,220
   
$
99,611,263
   
$
171,844,559
   
$
(140,874,459
)
 
$
951,678,583
 
                                         
Goodwill
 
$
2,765,570
   
$
-
   
$
-
   
$
-
   
$
2,765,570
 
                                         
Expenditures for long-lived assets
 
$
532,958
   
$
723,445
   
$
2,310,108
   
$
-
   
$
3,566,511
 

79

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

14)   Business Segment Information (Continued)

   
2015 (As Restated)
 
   
Life
   
Cemetery/
         
Intercompany
       
   
Insurance
   
Mortuary
   
Mortgage
   
Eliminations
   
Consolidated
 
Revenues:
                             
From external sources:
                             
Revenue from customers
 
$
58,883,721
   
$
11,502,045
   
$
169,043,426
   
$
-
   
$
239,429,192
 
Net investment income
   
25,297,486
     
450,854
     
8,259,564
     
-
     
34,007,904
 
                                       
Realized gains (losses) on investments and other assets
   
2,332,456
     
387,316
     
(318,413
)
   
-
     
2,401,359
 
Other than temporary impairments
   
(413,714
)
   
-
     
(191,716
)
   
-
     
(605,430
)
Other revenues
   
824,759
     
146,831
     
4,150,217
     
-
     
5,121,807
 
Intersegment revenues:
                                       
Net investment income
   
7,615,338
     
1,155,180
     
326,822
     
(9,097,340
)
   
-
 
Total revenues
   
94,540,046
     
13,642,226
     
181,269,900
     
(9,097,340
)
   
280,354,832
 
Expenses:
                                       
Death and other policy benefits
   
33,549,893
     
-
     
-
     
-
     
33,549,893
 
Increase in future policy benefits
   
17,057,764
     
-
     
-
     
-
     
17,057,764
 
Amortization of deferred policyand preneed acquisition costs and value of business acquired
   
5,306,781
     
334,512
     
-
     
-
     
5,641,293
 
Depreciation
   
710,733
     
403,066
     
1,069,697
     
-
     
2,183,496
 
General, administrative and other costs:
                                       
Intersegment
   
-
     
156,777
     
199,244
     
(356,021
)
   
-
 
Provision for loan losses
   
-
     
-
     
3,449,103
     
-
     
3,449,103
 
Costs related to funding mortgage loans
   
-
     
-
     
8,901,511
     
-
     
8,901,511
 
Other
   
27,416,860
     
10,117,012
     
146,565,817
     
(1
)
   
184,099,688
 
Interest expense:
                                       
Intersegment
   
726,919
     
1,379,668
     
6,634,731
     
(8,741,318
)
   
-
 
Other
   
1,151,860
     
337,632
     
2,969,120
     
-
     
4,458,612
 
Total benefits and expenses
   
85,920,810
     
12,728,667
     
169,789,223
     
(9,097,340
)
   
259,341,360
 
Earnings before income taxes
 
$
8,619,236
   
$
913,559
   
$
11,480,677
   
$
-
   
$
21,013,472
 
Income tax expense
   
(3,191,370
)
   
-
     
(4,470,661
)
   
-
     
(7,662,031
)
Net earnings
 
$
5,427,866
   
$
913,559
   
$
7,010,016
   
$
-
   
$
13,351,441
 
                                         
Identifiable assets
 
$
721,362,741
   
$
101,935,898
   
$
157,283,191
   
$
(140,108,664
)
 
$
840,473,166
 
                                         
Goodwill
 
$
2,765,570
   
$
-
   
$
-
   
$
-
   
$
2,765,570
 
                                         
Expenditures for long-lived assets
 
$
3,024,223
   
$
154,226
   
$
454,241
   
$
-
   
$
3,632,690
 
 
80

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

14)   Business Segment Information (Continued)
 
 
   
2014 (As Restated)
 
   
Life
   
Cemetery/
         
Intercompany
       
   
Insurance
   
Mortuary
   
Mortgage
   
Eliminations
   
Consolidated
 
Revenues:
                             
From external sources:
                             
Revenue from customers
 
$
57,037,623
     
11,426,308
   
$
122,778,529
   
$
-
   
$
191,242,460
 
Net investment income
   
23,008,489
     
275,324
     
5,019,927
     
-
     
28,303,740
 
                                       
Realized gains (losses) on investments and other assets
   
1,208,391
     
585,543
     
124,242
     
-
     
1,918,176
 
Other than temporary impairments
   
(164,240
)
   
-
     
-
     
-
     
(164,240
)
Other revenues
   
682,682
     
169,464
     
2,894,867
     
-
     
3,747,013
 
Intersegment revenues:
                                       
Net investment income
   
6,128,389
     
1,288,856
     
642,880
     
(8,060,125
)
   
-
 
Total revenues
   
87,901,334
     
13,745,495
     
131,460,445
     
(8,060,125
)
   
225,047,149
 
Expenses:
                                       
Death and other policy benefits
   
29,789,964
     
-
     
-
     
-
     
29,789,964
 
Increase in future policy benefits
   
17,905,914
     
-
     
-
     
-
     
17,905,914
 
Amortization of deferred policy and preneed acquisition costs and value of business acquired
   
6,561,589
     
331,389
     
-
     
-
     
6,892,978
 
Depreciation
   
644,510
     
436,390
     
1,096,265
     
-
     
2,177,165
 
General, administrative and other costs:
                                       
Intersegment
   
24,000
     
166,079
     
208,513
     
(398,592
)
   
-
 
Provision for loan losses
   
-
     
-
     
1,000,000
     
-
     
1,000,000
 
Costs related to funding mortgage loans
   
-
     
-
     
6,451,319
     
-
     
6,451,319
 
Other
   
23,045,928
     
10,245,144
     
110,817,359
     
(2
)
   
144,108,429
 
Interest expense:
                                       
Intersegment
   
725,354
     
1,481,317
     
5,454,860
     
(7,661,531
)
   
-
 
Other
   
578,083
     
421,920
     
1,994,426
     
-
     
2,994,429
 
Total benefits and expenses
   
79,275,342
     
13,082,239
     
127,022,742
     
(8,060,125
)
   
211,320,198
 
Earnings before income taxes
 
$
8,625,992
     
663,256
   
$
4,437,703
   
$
-
   
$
13,726,951
 
Income tax expense
   
(3,796,327
)
   
-
     
(1,713,792
)
   
-
     
(5,510,119
)
Net earnings
 
$
4,829,665
     
663,256
   
$
2,723,911
   
$
-
   
$
8,216,832
 
                                         
Identifiable assets
 
$
652,348,803
     
109,114,226
   
$
130,972,484
   
$
(142,742,671
)
 
$
749,692,842
 
                                         
Goodwill
 
$
2,765,570
     
-
   
$
-
   
$
-
   
$
2,765,570
 
                                         
Expenditures for long-lived assets
 
$
660,830
     
121,677
   
$
737,936
   
$
-
   
$
1,520,443
 

81

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014


15)   Related Party Transactions

The Company's Board of Directors has a written procedure, which requires disclosure to the Board of any material interest or any affiliation on the part of any of its officers, directors or employees that is in conflict or may be in conflict with the interests of the Company. The Company and its Board of Directors is unaware of any related party transactions that require disclosure as of December 31, 2016.

16)   Fair Value of Financial Instruments

Generally accepted accounting principles (GAAP) defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants. GAAP also specifies a fair value hierarchy based upon the observability of inputs used in valuation techniques. Observable inputs (highest level) reflect market data obtained from independent sources, while unobservable inputs (lowest level) reflect internally developed market assumptions. Fair value measurements are classified under the following hierarchy:

Level 1:  Financial assets and financial liabilities whose values are based on unadjusted quoted prices for identical assets or liabilities in an active market that the Company can access.

Level 2:  Financial assets and financial liabilities whose values are based on the following:
 
a)
Quoted prices for similar assets or liabilities in active markets;
b)
Quoted prices for identical or similar assets or liabilities in non-active markets; or
c)
Valuation models whose inputs are observable, directly or indirectly, for substantially the full term of the asset or liability.

Level 3:  Financial assets and financial liabilities whose values are based on prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. These inputs may reflect the Company's estimates of the assumptions that market participants would use in valuing the financial assets and financial liabilities.

The Company utilizes a combination of third party valuation service providers, brokers, and internal valuation models to determine fair value.

The following methods and assumptions were used by the Company in estimating the fair value disclosures related to other significant financial instruments:

The items shown under Level 1 and Level 2 are valued as follows:

Securities Available for Sale and Held to Maturity: The fair values of investments in fixed maturity and equity securities along with methods used to estimate such values are disclosed in Note 2 of the Notes to Consolidated Statements.

Restricted Assets: A portion of these assets include mutual funds and equity securities that have quoted market prices. Also included are cash and cash equivalents and participations in mortgage loans. The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values.

Cemetery Endowment Care Trust Investments:  A portion of these assets include equity securities that have quoted market prices. Also included are cash and cash equivalents. The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values.

Call and Put Options: The Company uses quoted market prices to value its call and put options.
82

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

16)  Fair Value of Financial Instruments (Continued)

The items shown under Level 3 are valued as follows:

Policyholder Account Balances and Future Policy Benefits-Annuities:  Future policy benefit reserves for interest-sensitive insurance products are computed under a retrospective deposit method and represent policy account balances before applicable surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policy account balances. Interest crediting rates for interest-sensitive insurance products ranged from 4% to 6.5%. The fair values for the Company's liabilities under investment-type insurance contracts (disclosed as policyholder account balances and future policy benefits – annuities) are estimated based on the contracts' cash surrender values.

The fair values for the Company's insurance contracts other than investment-type contracts are not required to be disclosed. However, the fair values of liabilities under all insurance contracts are taken into consideration in the Company's overall management of interest rate risk, such that the Company's exposure to changing interest rates is minimized through the matching of investment maturities with amounts due under insurance contracts.

Loan Commitments and Forward Sale Commitments: The Company's mortgage segment enters into loan commitments with potential borrowers and forward sale commitments to sell loans to third-party investors. The Company also uses a hedging strategy for these transactions. A loan commitment binds the Company to lend funds to a qualified borrower at a specified interest rate and within a specified period of time, generally up to 30 days after issuance of the loan commitment. Loan commitments are defined to be derivatives under GAAP and are recognized at fair value on the consolidated balance sheet with changes in their fair values recorded in current earnings.

The Company estimates the fair value of a loan commitment based on the change in estimated fair value of the underlying mortgage loan, quoted MBS prices, estimates of the fair value of mortgage servicing rights, and an estimate of the probability that the mortgage loan will fund within the terms of the commitment net of estimated commission expense. The change in fair value of the underlying mortgage loan is measured from the date the loan commitment is issued and is shown net of related expenses. Following issuance, the value of a mortgage loan commitment can be either positive or negative depending upon the change in value of the underlying mortgage loans. Fallout rates and other factors from the Company's recent historical data are used to estimate the quantity and value of mortgage loans that will fund within the terms of the commitments.

Interest Rate Swaps: Management considers the interest rate swap instruments to be an effective cash flow hedge against the variable interest rate on bank borrowings since the interest rate swap mirrors the term of the note payable and expires on the maturity date of the bank loan it hedges. The interest rate swaps are derivative financial instruments carried at its fair value. The fair value of the interest rate swap was derived from a proprietary model of the bank from whom the interest rate swap was purchased and to whom the note is payable.

Other Investments: The fair values are estimated using one or more valuation techniques for which sufficient and reliable data is available. Factors considered when estimating the fair value include the original transaction price, recent transactions in the same or similar properties, historical lease rates, comparable lease rates of similar properties, discount rates, market capitalization rates, expected vacancy rates, and changes in financial ratios or cash flow.

Mortgage Loans on Real Estate: The fair values are estimated using interest rates currently being offered for similar loans to borrowers with similar credit ratings. Loans with similar characteristics are aggregated for purposes of the calculations. The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values.

Real Estate Held for Investment: The Company believes that in an orderly market fair value will approximate the replacement cost of a home and the rental income provides a cash flow stream for investment analysis. The Company believes the highest and best use of the properties are as income producing assets since it is the Company's intent to hold the properties as rental properties, matching the income from the investment in rental properties with the funds required for future estimated policy claims.
     
It should be noted that for replacement cost, when determining the fair value of mortgage properties, the Company uses Marshall and Swift, a provider of building cost information to the real estate construction industry. For the investment analysis, the Company used market data based upon its real estate operation experience and projected the present value of the net rental income over seven years. The Company used 20% of the projected cash flow analysis and 80% of the replacement cost to approximate fair value of the collateral.

In addition to this analysis performed by the Company, the Company depreciates Real Estate Held for Investment. This depreciation reduces the book value of these properties and lessens the exposure to the Company from further deterioration in real estate values.
83

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

16)  Fair Value of Financial Instruments (Continued)

Mortgage Servicing Rights: The Company initially recognizes Mortgage Servicing Rights ("MSRs") at their estimated fair values derived from the net cash flows associated with the servicing contracts, where the Company assumes the obligation to service the loan in the sale transaction. The precise fair value of MSRs cannot be readily determined because MSRs are not actively traded in stand-alone markets. Considerable judgment is required to estimate the fair values of these assets and the exercise of such judgment can significantly affect the Company's earnings.

The Company's subsequent accounting for MSRs is based on the class of MSRs. The Company has identified two classes of MSRs: MSRs backed by mortgage loans with initial term of 30 years and MSRs backed by mortgage loans with initial term of 15 years. The Company distinguishes between these classes of MSRs due to their differing sensitivities to change in value as the result of changes in market. After being initially recorded at fair value, MSRs backed by mortgage loans are accounted for using the amortization method. MSR amortization is determined by amortizing the balance straight-line over an estimated seven and nine-year life which estimates the proportion to, and over the period of the estimated future net servicing income of the underlying financial assets.

The Company periodically assesses MSRs for impairment. Impairment occurs when the current fair value of the MSR falls below the asset's carrying value (carrying value is the amortized cost reduced by any related valuation allowance). If MSRs are impaired, the impairment is recognized in current-period earnings and the carrying value of the MSRs is adjusted through a valuation allowance.

Management periodically reviews the various loan strata to determine whether the value of the MSRs in a given stratum is impaired and likely to recover. When management deems recovery of the value to be unlikely in the foreseeable future, a write-down of the cost of the MSRs for that stratum to its estimated recoverable value is charged to the valuation allowance.

The following table summarizes Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a recurring basis by their classification in the consolidated balance sheet at December 31, 2016, as restated.

   
Total
   
Quoted Prices
 in Active
 Markets for
Identical Assets
(Level 1)
   
Significant
 Observable
 Inputs
(Level 2)
   
Significant Unobservable
 Inputs
(Level 3)
 
Assets accounted for at fair value on a recurring basis
                       
Common stock
 
$
10,573,356
   
$
10,573,356
   
$
-
   
$
-
 
Total securities available for sale
   
10,573,356
     
10,573,356
     
-
     
-
 
Restricted assets of cemeteries and mortuaries
   
736,603
     
736,603
     
-
     
-
 
Cemetery perpetual care trust investments
   
698,202
     
698,202
     
-
     
-
 
Derivatives - loan commitments
   
6,911,544
     
-
     
-
     
6,911,544
 
Other investments
   
1,765,752
     
-
     
-
     
1,765,752
 
                                 
Total assets accounted for at fair value on a recurring basis
 
$
20,685,457
   
$
12,008,161
   
$
-
   
$
8,677,296
 
                                 
Liabilities accounted for at fair value on a recurring basis
                               
Policyholder account balances
 
$
(49,421,125
)
 
$
-
   
$
-
   
$
(49,421,125
)
Future policy benefits - annuities
   
(99,388,662
)
   
-
     
-
     
(99,388,662
)
Derivatives  - bank loan interest rate swaps
   
(3,308
)
   
-
     
-
     
(3,308
)
 - call options
   
(109,474
)
   
(109,474
)
   
-
     
-
 
 - put options
   
(26,494
)
   
(26,494
)
   
-
     
-
 
 - loan commitments
   
(102,212
)
   
-
     
-
     
(102,212
)
                                 
Total liabilities accounted for at fair value on a recurring basis
 
$
(149,051,275
)
 
$
(135,968
)
 
$
-
   
$
(148,915,307
)

84

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014
 
 
16)  Fair Value of Financial Instruments (Continued)
 
Following is a summary of changes in the consolidated balance sheet line items measured using level 3 inputs:

   
Policyholder
Account
 Balances
   
Future
 Policy
Benefits -
Annuities
   
Loan
Commitments
   
Bank Loan
Interest Rate
 Swaps
   
Other
 Investments
 
                               
Balance - December 31, 2015, as restated
 
$
(50,694,953
)
 
$
(69,398,617
)
 
$
7,671,495
   
$
(13,947
)
 
$
1,174,769
 
                                         
Purchases
           
(30,294,480
)
                   
600,000
 
                                         
Total Losses (Gains):
                                       
                                         
Included in earnings
   
1,273,828
     
304,435
     
(862,163
)
   
-
         
                                       
Included in other comprehensive income (loss)
   
-
     
-
     
-
     
10,639
     
(9,017
)
                                         
Balance - December 31, 2016, as restated
 
$
(49,421,125
)
 
$
(99,388,662
)
 
$
6,809,332
   
$
(3,308
)
 
$
1,765,752
 

The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a nonrecurring basis by their classification in the consolidated balance sheet at December 31, 2016.

   
Total
   
Quoted Prices in Active Markets for Identical Assets
(Level 1)
   
Significant
 Observable
 Inputs
(Level 2)
   
Significant Unobservable
 Inputs
(Level 3)
 
Assets accounted for at fair value on a nonrecurring basis
                       
Mortgage loans on real estate
 
$
2,809,925
   
$
-
   
$
-
   
$
2,809,925
 
Mortgage servicing rights
   
8,603,154
     
-
     
-
     
8,603,154
 
Real estate held for investment
   
2,347,820
     
-
     
-
     
2,347,820
 
                                 
Total assets accounted for at fair value on a nonrecurring basis
 
$
13,760,899
   
$
-
   
$
-
   
$
13,760,899
 

85

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014
 
 
16)  Fair Value of Financial Instruments (Continued)
 
The following table summarizes Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a recurring basis by their classification in the consolidated balance sheet at December 31, 2015, as restated.

   
Total
   
Quoted Prices in Active Markets for Identical Assets
(Level 1)
   
Significant
Observable
Inputs
(Level 2)
   
Significant Unobservable
Inputs
(Level 3)
 
Assets accounted for at fair value on a recurring basis
                       
Non-redeemable preferred stock
                       
Common stock
 
$
8,431,090
   
$
8,431,090
   
$
-
   
$
-
 
Total securities available for sale
   
8,431,090
     
8,431,090
     
-
     
-
 
Restricted assets of cemeteries and mortuaries
   
686,444
     
686,444
     
-
     
-
 
Cemetery perpetual care trust investments
   
630,854
     
630,854
     
-
     
-
 
Derivatives - loan commitments
   
7,779,162
     
-
     
-
     
7,779,162
 
Other investments
   
1,174,769
     
-
     
-
     
1,174,769
 
Total assets accounted for at fair value on a recurring basis
 
$
18,702,319
   
$
9,748,388
   
$
-
   
$
8,953,931
 
                                 
Liabilities accounted for at fair value on a recurring basis
                               
Policyholder account balances
 
$
(50,694,953
)
 
$
-
   
$
-
   
$
(50,694,953
)
Future policy benefits - annuities
   
(69,398,617
)
   
-
     
-
     
(69,398,617
)
Derivatives  - bank loan interest rate swaps
   
(13,947
)
   
-
     
-
     
(13,947
)
 - call options
   
(16,342
)
   
(16,342
)
   
-
     
-
 
 - put options
   
(28,829
)
   
(28,829
)
   
-
     
-
 
 - loan commitments
   
(107,667
)
   
-
     
-
     
(107,667
)
Total liabilities accounted for at fair value on a recurring basis
 
$
(120,260,355
)
 
$
(45,171
)
 
$
-
   
$
(120,215,184
)
 
Following is a summary of changes in the consolidated balance sheet line items measured using level 3 inputs:

   
Policyholder
 Accoun
t Balances
   
Future Policy
 Benefits -
Annuities
   
Loan
 Commitments
   
Bank Loan
Interest Rate
Swaps
   
Other
 Investments
 
                               
Balance - December 31, 2014, as restated
 
$
(45,310,699
)
 
$
(65,540,985
)
 
$
5,105,605
   
$
(31,370
)
 
$
-
 
                                         
Purchases
                                   
1,200,000
 
                                         
Total Losses (Gains):
                                       
                                         
Included in earnings
   
(5,384,254
)
   
(3,857,632
)
   
2,565,890
     
-
         
                                         
Included in other
                                       
comprehensive income (loss)
   
-
     
-
     
-
     
17,423
     
(25,231
)
                                         
Balance - December 31, 2015, as restated
 
$
(50,694,953
)
 
$
(69,398,617
)
 
$
7,671,495
   
$
(13,947
)
 
$
1,174,769
 
 
86

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014
 
16)  Fair Value of Financial Instruments (Continued)
 
The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a nonrecurring basis by their classification in the consolidated balance sheet at December 31, 2015.

   
Total
   
Quoted Prices in Active Markets for Identical Assets
(Level 1)
   
Significant
 Observable
Inputs
(Level 2)
   
Significant Unobservable
Inputs
(Level 3)
 
Assets accounted for at fair value on a nonrecurring basis
                       
Mortgage loans on real estate
 
$
2,874,468
               
$
2,874,468
 
Mortgage servicing rights
   
6,217,551
     
-
     
-
     
6,217,551
 
Real estate held for investment
   
95,000
     
-
     
-
     
95,000
 
Total assets accounted for at fair value on a nonrecurring basis
 
$
9,187,019
   
$
-
   
$
-
   
$
9,187,019
 

Fair Value of Financial Instruments Carried at Other Than Fair Value

ASC 825, Financial Instruments, requires disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practicable to estimate that value.

Management uses its best judgment in estimating the fair value of the Company's financial instruments; however, there are inherent limitations in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates presented herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction at December 31, 2016 and 2015. The estimated fair value amounts for December 31, 2016 and 2015 have been measured as of period-end, and have not been reevaluated or updated for purposes of these Consolidated Financial Statements subsequent to those dates. As such, the estimated fair values of these financial instruments subsequent to the reporting date may be different than the amounts reported at period-end.

The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of December 31, 2016, as restated:
 
   
Carrying Value
   
Level 1
   
Level 2
   
Level 3
   
Total Estimated Fair Value
 
Assets
                             
Fixed maturity securities, held to maturity
 
$
184,979,644
   
$
-
   
$
191,850,749
   
$
-
   
$
191,850,749
 
Mortgage loans:
                                       
Residential
   
57,132,082
     
-
     
-
     
61,357,393
     
61,357,393
 
Residential construction
   
40,700,003
     
-
     
-
     
40,700,003
     
40,700,003
 
Commercial
   
51,349,493
     
-
     
-
     
53,299,800
     
53,299,800
 
Mortgage loans, net
 
$
149,181,578
   
$
-
   
$
-
   
$
155,357,196
   
$
155,357,196
 
Loans held for sale
   
189,139,832
     
-
     
-
     
192,289,854
     
192,289,854
 
Policy loans
   
6,694,148
     
-
     
-
     
6,694,148
     
6,694,148
 
Insurance assignments, net
   
32,477,246
     
-
     
-
     
32,477,246
     
32,477,246
 
Short-term investments
   
27,560,040
     
-
     
-
     
27,560,040
     
27,560,040
 
Mortgage servicing rights
   
18,872,362
     
-
     
-
     
25,496,832
     
25,496,832
 
                                         
Liabilities
                                       
Bank and other loans payable
 
$
(152,137,341
)
 
$
-
   
$
-
   
$
(152,137,341
)
 
$
(152,137,341
)
 
87

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014
 
16)  Fair Value of Financial Instruments (Continued)
 
The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of December 31, 2015, as restated:

   
Carrying Value
   
Level 1
   
Level 2
   
Level 3
   
Total
Estimated
 Fair Value
 
Assets
                             
Fixed maturity securities, held to maturity
 
$
145,558,425
   
$
-
   
$
150,507,158
   
$
-
   
$
150,507,158
 
Mortgage loans:
                                       
Residential
   
44,459,613
     
-
     
-
     
47,193,950
     
47,193,950
 
Residential construction
   
34,751,443
     
-
     
-
     
34,751,443
     
34,751,443
 
Commercial
   
33,335,849
     
-
     
-
     
34,778,136
     
34,778,136
 
Mortgage loans, net
 
$
112,546,905
   
$
-
   
$
-
   
$
116,723,529
   
$
116,723,529
 
Loans held for sale
   
211,453,006
                   
$
217,646,189
     
217,646,189
 
Policy loans
   
6,896,457
     
-
     
-
     
6,896,457
     
6,896,457
 
Insurance assignments, net
   
31,511,195
     
-
     
-
     
31,511,195
     
31,511,195
 
Short-term investments
   
16,915,808
     
-
     
-
     
16,915,808
     
16,915,808
 
Mortgage servicing rights
   
12,679,755
     
-
     
-
     
13,897,160
     
13,897,160
 
                                         
Liabilities
                                       
Bank and other loans payable
 
$
(130,991,667
)
 
$
-
   
$
-
   
$
(130,991,667
)
 
$
(130,991,667
)

The methods, assumptions and significant valuation techniques and inputs used to estimate the fair value of financial instruments are summarized as follows:

Fixed Maturity Securities, Held to Maturity: The fair values of fixed maturity securities are based on quoted market prices, when available. For fixed maturity securities not actively traded, fair values are estimated using values obtained from independent pricing services, or in the case of private placements, are estimated by discounting expected future cash flows using a current market value applicable to the coupon rate, credit and maturity of the investments.

Mortgage Loans on Real Estate: The estimated fair value of the Company's mortgage loans is determined using various methods. The Company's mortgage loans are grouped into three categories: Residential, Residential Construction and Commercial. When estimating the expected future cash flows, it is assumed that all loans will be held to maturity, and any loans that are non-performing are evaluated individually for impairment.

Residential – The estimated fair value of mortgage loans originated prior to 2013 is determined by estimating expected future cash flows of interest payments and discounting them using current interest rates from single family mortgages. The estimated fair value of mortgage loans originated in 2013 thru 2016 is determined from pricing of similar loans that were sold in 2016.

Residential Construction – These loans are primarily short in maturity (4-6 months) accordingly, the estimated fair value is determined to be the net book value.

Commercial – The estimated fair value is determined by estimating expected future cash flows of interest payments and discounting them using current interest rates for commercial mortgages.

Loans Held for Sale: The fair value is based on quoted market prices, when available.  When a quoted market price is not readily available, the Company uses the market price from its last sale of similar assets.

Policy Loans: The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values because they are fully collateralized by the cash surrender value of the underlying insurance policies.

Insurance Assignments, Net: These investments are short in maturity accordingly, the carrying amounts reported in the accompanying condensed consolidated balance sheet for these financial instruments approximate their fair values.

Short-Term Investments: The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values due to their short-term nature.

Bank and Other Loans Payable: The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values due to their short-term nature.
88

 
SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014
 
17)  Accumulated Other Comprehensive Income

The following summarizes the changes in accumulated other comprehensive income:

   
December 31
 
   
2016
   
2015
 
Unrealized gains (losses) on available for-sale securities
 
$
996,343
   
$
(1,289,508
)
Reclassification adjustment for net realized gains in net income
   
160,575
     
113,751
 
Net unrealized gains (losses) before taxes
   
1,156,918
     
(1,175,757
)
Tax (expense) benefit
   
(399,228
)
   
404,414
 
Net
   
757,690
     
(771,343
)
Potential unrealized gains for derivative bank loans (interest rate swaps) before taxes
   
10,639
     
17,423
 
Tax expense
   
(4,149
)
   
(6,795
)
Net
   
6,490
     
10,628
 
Other comprehensive income (loss) changes
 
$
764,180
   
$
(760,715
)

The following is the accumulated balances of other comprehensive income as of December 31, 2016:

   
Beginning
Balance
 December 31,
2015
   
Change for
 the period
   
Ending
Balance
December 31,
2016
 
Unrealized net gains (losses) on available-for-sale securities and trust investments
 
$
(490,850
)
 
$
757,690
   
$
266,840
 
                         
Unrealized gains (losses) on  derivative bank loan interest rate swaps
   
(8,508
)
   
6,490
     
(2,018
)
Other comprehensive income (loss)
 
$
(499,358
)
 
$
764,180
   
$
264,822
 

The following is the accumulated balances of other comprehensive income as of December 31, 2015:

   
Beginning
Balance
December 31,
2014
   
Change for
 the period
   
Ending Balance December 31,
2015
 
Unrealized net gains (losses) on available-for-sale securities and trust investments
 
$
280,493
   
$
(771,343
)
 
$
(490,850
)
                         
Unrealized gains (losses) on  derivative bank loan interest rate swaps
   
(19,136
)
   
10,628
     
(8,508
)
Other comprehensive income (loss)
 
$
261,357
   
$
(760,715
)
 
$
(499,358
)

The following is the accumulated balances of other comprehensive income as of December 31, 2014:

   
Beginning
 Balance
 December 31,
 2013
   
Change for
 the period
   
Ending
Balance
 December 31,
2014
 
Unrealized net gains (losses) on available-for-sale securities and trust investments
 
$
346,341
   
$
(65,848
)
 
$
280,493
 
                         
Unrealized gains (losses) on  derivative bank loan interest rate swaps
   
(35,569
)
   
16,433
     
(19,136
)
Other comprehensive income (loss)
 
$
310,772
   
$
(49,415
)
 
$
261,357
 

89

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014


18)   Derivative Instruments

The following table shows the fair value of derivatives as of December 31, 2016 and 2015.

 
Fair Value of Derivative Instruments
 
 
Asset Derivatives
 
Liability Derivatives
 
 
December 31, 2016
(As Restated)
 
December 31, 2015
(As Restated)
 
December 31, 2016
 
December 31, 2015
 
Balance Sheet Location
 
Fair Value
 
Balance Sheet Location
 
Fair Value
 
Balance Sheet Location
 
Fair Value
 
Balance Sheet Location
 
Fair Value
 
Derivatives designated as hedging instruments:
                               
Loan commitments
other assets
 
$
6,911,544
 
other assets
 
$
7,779,162
 
Other liabilities
 
$
102,212
 
Other liabilities
 
$
107,667
 
Call Options
     
-
       
-
 
Other liabilities
   
109,474
 
Other liabilities
   
16,342
 
Put Options
     
-
       
-
 
Other liabilities
   
26,494
 
Other liabilities
   
28,829
 
Interest rate swaps
     
-
       
-
 
Bank loans payable
   
3,308
 
Bank loans payable
   
13,947
 
Total
   
$
6,911,544
     
$
7,779,162
     
$
241,488
     
$
166,785
 

The following table shows the gain (loss) on derivatives for the periods presented. There were no gains or losses reclassified from accumulated other comprehensive income ("OCI") into income or gains or losses recognized in income on derivatives ineffective portion or any amounts excluded from effective testing.

 
Net Amount Gain (Loss) Recognized in OCI
 
 
Years ended December 31
 
Derivative - Cash Flow Hedging Relationships:
2016
 
2015
 
Interest Rate Swaps
 
$
10,639
   
$
17,423
 
Sub Total
   
10,639
     
17,423
 
Tax Effect
   
4,149
     
6,795
 
Total
 
$
6,490
   
$
10,628
 
 
90

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

19)  Acquisitions

Acquisition of First Guaranty Insurance Company

On July 11, 2016, the Company, through its wholly owned subsidiary, Security National Life completed the stock purchase transaction with the shareholders of Reppond Holding Corporation, an Arkansas corporation ("Reppond Holding") and sole shareholder of First Guaranty Insurance Company, a Louisiana domestic stock legal reserve life insurance company ("First Guaranty"), to purchase all the outstanding shares of common stock of Reppond Holding. Under the terms of the stock purchase agreement, dated February 17, 2016, between Security National Life and Reppond Holding, which was later amended on March 4 and 17, 2016, Security National Life paid a total of $6,753,000 at the closing in consideration for the purchase of all the outstanding shares of stock of Reppond Holding from its shareholders.

The fair values of assets acquired and liabilities assumed are subject to adjustment during the first twelve months after the acquisition date if additional information becomes available to indicate a more accurate or appropriate value for an asset or liability. As the acquisition was completed at quarter end, the fair values of substantially all of the net assets are considered preliminary.

The estimated fair values of the assets acquired and the liabilities assumed at the date of acquisition were as follows:

Fixed maturity securities, held to maturity
 
$
43,878,084
 
Equity securities, available for sale
   
646,335
 
Mortgage loans on real estate
   
4,528,582
 
Real estate held for investment
   
528,947
 
Policy loans
   
145,953
 
Short-term investments
   
5,358,403
 
Accrued investment income
   
585,985
 
Cash and cash equivalents
   
2,424,480
 
Receivables
   
73,347
 
Property and equipment
   
21,083
 
Deferred tax asset
   
1,190,862
 
Receivable from reinsurers
   
34,948
 
Other
   
57,768
 
Total assets acquired
   
59,474,777
 
Future life, annuity, and other benefits
   
(52,648,838
)
Accounts payable
   
(6,953
)
Other liabilities and accrued expenses
   
(65,986
)
Total liabilities assumed
   
(52,721,777
)
Fair value of net assets acquired/consideration paid
 
$
6,753,000
 

The estimated fair value of the fixed maturity securities and the equity securities is based on unadjusted quoted prices for identical assets in an active market.  These types of financial assets are considered Level 1 under the fair value hierarchy. The estimated fair value of future life, annuity, and other benefits is based on assumptions of the future value of the business acquired. Based on the unobservable nature of certain of these assumptions, the valuation for these financial liabilities is considered to be Level 3 under the fair value hierarchy. The Company determined that the estimated fair value of the remaining assets and liabilities acquired approximated their book values. The fair value of assets acquired and liabilities assumed are subject to adjustment during the first twelve months after the acquisition date if additional information becomes available to indicate a more accurate or appropriate value for an asset or liability.
91

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

19)   Acquisitions (Continued)

The following unaudited pro forma information has been prepared to present the results of operations of the Company assuming the acquisition of First Guaranty had occurred at the beginning of the years ended December 31, 2016, 2015 and 2014, respectively. This pro forma information is supplemental and does not necessarily present the operations of the Company that would have occurred had the acquisition occurred on those dates and may not reflect the operations that will occur in the future:
 
   
For the Year Ended December 31 (unaudited)
 
   
2016
(As Restated)
   
2015
(As Restated)
   
2014
(As Restated)
 
Total revenues
 
$
306,471,770
   
$
284,812,830
   
$
229,483,646
 
Net earnings
 
$
11,923,653
   
$
12,627,709
   
$
8,044,482
 
Net earnings per Class A equivalent common share
 
$
0.81
   
$
0.87
   
$
0.58
 
Net earnings per Class A equivalent common share assuming dilution
 
$
0.79
   
$
0.84
   
$
0.56
 

Acquisition of American Funeral Financial

On June 4, 2014, the Company, through its wholly owned subsidiary, SNFC Subsidiary, LLC ("SNFC Subsidiary"), completed a purchase transaction with American Funeral Financial, LLC, a South Carolina limited liability company ("American Funeral Financial") and Hypershop, LLC, a North Carolina  limited liability  company ("Hypershop"), the sole owner of all the limited liability company interests of American Funeral Financial, to purchase all of the outstanding limited liability company interests, or membership units, of American Funeral Financial.  American Funeral Financial is engaged in the operation of a factoring business with the principal purpose of providing funding for funeral homes and mortuaries.  

Under the terms of the transaction, as set forth in the Unit Purchase Agreement dated June 4, 2014 (the "Purchase Agreement"), among the Company, SNFC Subsidiary, American Funeral Financial and Hypershop, the Company paid Hypershop purchase consideration equal to (i) $3,000,000 in cash, of which $175,000 was deposited into an interest bearing escrow account to be held for a period of twelve months from the closing date to pay off the indebtedness and other liabilities of American Funeral Financial, plus (ii) $12,011,183, representing the amount of the good standing receivables of American Funeral Financial, plus (iii) earn-out payments equal to .0042 of the aggregate amount of life insurance assignments funded by American Funeral Financial during the three year period following the closing date of the transaction. This earn-out liability was estimated to be $1,368,000. The purchase consideration was to be used to pay off the indebtedness that American Funeral Financial owed to Security Finance Corporation of Spartanburg, as well as to pay off all other indebtedness and liabilities of American Funeral Financial.

The estimated fair values of the assets acquired and the liabilities assumed at the date of acquisition were as follows:

Other investments, net
 
$
11,866,193
 
Property and equipment
   
760,120
 
Goodwill
   
2,373,722
 
Other
   
1,379,158
 
Total assets acquired
   
16,379,193
 
Other liabilities and accrued expenses
   
(1,368,000
)
Total liabilities assumed
   
(1,368,000
)
Fair value of net assets acquired
 
$
15,011,193
 

The estimated fair value of the acquisition is based on market assumptions of the future value of the business acquired, the collectability of receivables, the current value of equipment purchased and the useful life of proprietary software.  Based on the unobservable nature of certain of these assumptions, the valuation is considered Level 3 under the fair value hierarchy.
92


SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

19)   Acquisitions (Continued)
 
The following unaudited pro forma information has been prepared to present the results of operations of the Company assuming the acquisition of American Funeral Financial had occurred at the beginning of the years ended December 31, 2016, 2015 and 2014, respectively. This pro forma information is supplemental and does not necessarily present the operations of the Company that would have occurred had the acquisition occurred on those dates and may not reflect the operations that will occur in the future:

   
For the Year Ended December 31 (unaudited)
 
   
2016
(As Restated)
   
2015
(As Restated)
   
2014
(As Restated)
 
Total revenues
 
$
304,334,901
   
$
280,354,832
   
$
227,379,128
 
Net earnings
 
$
12,188,627
   
$
13,351,441
   
$
8,458,589
 
Net earnings per Class A equivalent common share
 
$
0.82
   
$
0.92
   
$
0.61
 
Net earnings per Class A equivalent common share
assuming dilution
 
$
0.81
   
$
0.89
   
$
0.59
 

20)   Mortgage Servicing Rights

The following table presents the MSR activity for 2016 and 2015.

   
December 31
 
   
2016
   
2015
 
Amortized cost:
           
Balance before valuation allowance at beginning of year
 
$
12,679,755
   
$
7,834,747
 
MSRs received as proceeds from loan sales
   
8,603,154
     
6,217,551
 
Amortization
   
(2,410,547
)
   
(1,372,543
)
Application of valuation allowance to write down MSRs with other than temporary impairment
   
-
     
-
 
Balance before valuation allowance at year end
 
$
18,872,362
   
$
12,679,755
 
                 
Valuation allowance for impairment of MSRs:
               
Balance at beginning of year
 
$
-
   
$
-
 
Additions
   
-
     
-
 
Application of valuation allowance to write down MSRs with other than temporary impairment
   
-
     
-
 
Balance at year end
 
$
-
   
$
-
 
                 
Mortgage servicing rights, net
 
$
18,872,362
   
$
12,679,755
 
                 
Estimated fair value of MSRs at year end
 
$
25,496,832
   
$
13,897,160
 


93

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

20)   Mortgage Servicing Rights (Continued)

The Company reports these MSRs pursuant to the accounting policy discussed in Note 1 of the Notes to Consolidated Financial Statements. The following table summarizes the Company's estimate of future amortization of its existing MSRs carried at amortized cost. This projection was developed using the assumptions made by management in its December 31, 2016 valuation of MSRs. The assumptions underlying the following estimate will change as market conditions and portfolio composition and behavior change, causing both actual and projected amortization levels to change over time. Therefore, the following estimates will change in a manner and amount not presently determinable by management.

   
Estimated MSR Amortization
 
2017
 
$
2,696,052
 
2018
   
2,696,052
 
2019
   
2,696,052
 
2020
   
2,696,052
 
2021
   
2,696,052
 
Thereafter
   
5,392,104
 
Total
 
$
18,872,364
 

During the years ended December 31, 2016, 2015 and 2014, the Company collected the following contractual servicing fee income and late fee income as reported in other revenues on the Consolidated Statement of Earnings:

   
2016
   
2015
   
2014
 
Contractual servicing fees
 
$
5,661,699
   
$
3,864,454
   
$
2,641,234
 
Late fees
   
203,509
     
120,241
     
123,399
 
Total
 
$
5,865,207
   
$
3,984,695
   
$
2,764,633
 


The following is a summary of the unpaid principal balances of the servicing portfolio for the periods presented:

   
Years Ended December 31
 
   
2016
   
2015
   
2014
 
Servicing UPB
   
2,720,441,340
     
1,861,835,430
     
1,227,249,143
 

The following key assumptions were used in determining MSR value:

   
Prepayment
Speeds
   
Average
Life(Years)
   
Discount
Rate
 
December 31, 2016
   
3.77
%
   
6.52
     
10.01
 
December 31, 2015
   
3.02
%
   
5.24
     
10.00
 
December 31, 2014
   
2.87
%
   
4.96
     
10.00
 

94

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

21)   Correction of Errors

The accompanying Consolidated Financial Statements include the restatement of the Company's previously filed consolidated balance sheets and the related consolidated statements of operations, shareholders' equity and cash flows for the fiscal years ended December 31, 2014, December 31, 2015, and December 31, 2016.  For the revised quarterly results of operations for the fiscal years ended December 31, 2014, 2015 and 2016, see "Impact of Restatement Adjustments on Quarterly Financial Statements (Unaudited)" in Note 22 of the accompanying Consolidated Financial Statements.

Immaterial Error in Accounting for Loan Commitments:  Subsequent to the issuance of the company's 2015 consolidated financial statements, the Company identified an error in the accounting for its loan commitments ("Adjustment A").   The Company corrected the presentation of the changes in fair value of its loan commitments to present them as a component of current earnings instead of as a component of other comprehensive income, as previously reported.  The Company's management has concluded that the effect of the correction is not material to any previously issued Consolidated Financial Statements.

Subsequent to the issuance of the company's 2016 Consolidated Financial Statements, the Company identified the following errors, ("Adjustments B"):

Material Error in Accounting for Repurchase Agreements: The Company has concluded it should account for its Repurchase Agreements with unaffiliated banks as "On-Balance-Sheet" transactions, rather than as "Off-Balance-Sheet" as previously reported.  Accordingly, the Company will reflect any outstanding loans as Loans Held for Sale and the corresponding debt as a Bank Loan Payable.  The Company has corrected its sale accounting practice to defer revenue and costs on loans that remain as Held for Sale.  The Company will recognize these deferred items at the time the loan is purchased by the ultimate investor.

Material Error in Accounting for Tax Valuation Allowance:  The Company determined that it should have reversed its valuation allowance in its entirety in 2012 when the Company no longer qualified for the small life insurance company deduction, rather than in other periods as previously reported.

Other Immaterial Corrections and Reclassifications: In addition, the Company has recorded the following additional corrections in the accompanying Consolidated Financial Statements:

1.
Reclassification of Receivables to Loans Held for Sale
2.
Reclassification of the Provision for Loan Loss Reserve to net against Mortgage Fee Income
3.
Correction to Future Life, Annuity and Other Benefits to reverse a deferred profit liability

95

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

21)  Correction of Errors (Continued)

The tables below present the impact of the restatement on the Company's Consolidated Balance Sheets for the periods presented:

   
As of December 31, 2016
 
   
As Originally Reported
   
Adjustment (A)
   
As Previously Reported
   
Adjustments (B)
   
As Restated
 
Loans held for sale (formerly called Mortgage loans sold to investors)
 
$
82,491,091
   
$
-
   
$
82,491,091
   
$
106,648,741
   
$
189,139,832
 
Receivables, net
   
18,870,119
     
-
     
18,870,119
     
(12,496,755
)
   
6,373,364
 
Other assets
   
6,891,468
     
-
     
6,891,468
     
3,521,926
     
10,413,394
 
Total Assets
   
854,004,671
     
-
     
854,004,671
     
97,673,912
     
951,678,583
 
Future life, annuity, and other benefits
   
585,610,063
     
-
     
585,610,063
     
(1,542,371
)
   
584,067,692
 
Bank and other loans payable
   
53,718,548
     
-
     
53,718,548
     
98,422,131
     
152,140,679
 
Income taxes
   
27,904,294
     
-
     
27,904,294
     
(3,585,425
)
   
24,318,869
 
Total liabilities
   
725,825,117
     
-
     
725,825,117
     
93,294,335
     
819,119,452
 
Accumulated other comprehensive income, net of taxes
   
264,822
     
-
     
264,822
     
-
     
264,822
 
Retained earnings
   
63,029,627
     
-
     
63,029,627
     
4,379,577
     
67,409,204
 
Total stockholders' equity
   
128,179,554
     
-
     
128,179,554
     
4,379,577
     
132,559,131
 
Total Liabilities and Stockholders' Equity
   
854,004,671
     
-
     
854,004,671
     
97,673,912
     
951,678,583
 
 
 
   
As of December 31, 2015
 
   
As Originally Reported
   
Adjustment (A)
   
As Previously Reported
   
Adjustments (B)
   
As Restated
 
Loans held for sale (formerly called Mortgage loans sold to investors)
 
$
115,286,455
   
$
-
   
$
115,286,455
   
$
96,166,551
   
$
211,453,006
 
Receivables, net
   
16,026,100
     
-
     
16,026,100
     
(9,965,106
)
   
6,060,994
 
Other assets
   
7,100,869
     
-
     
7,100,869
     
4,338,404
     
11,439,273
 
Total Assets
   
749,933,317
     
-
     
749,933,317
     
90,539,849
     
840,473,166
 
Future life, annuity, and other benefits
   
517,177,388
     
-
     
517,177,388
     
(1,388,134
)
   
515,789,254
 
Bank and other loans payable
   
40,908,915
     
-
     
40,908,915
     
90,096,699
     
131,005,614
 
Income taxes
   
25,052,059
     
-
     
25,052,059
     
(4,639,170
)
   
20,412,889
 
Total liabilities
   
638,687,092
     
-
     
638,687,092
     
84,069,395
     
722,756,487
 
Accumulated other comprehensive income (loss), net of taxes
   
1,533,828
     
(2,033,186
)
   
(499,358
)
   
-
     
(499,358
)
Retained earnings
   
52,021,764
     
2,033,186
     
54,054,950
     
6,470,454
     
60,525,404
 
Total stockholders' equity
   
111,246,225
     
-
     
111,246,225
     
6,470,454
     
117,716,679
 
Total Liabilities and Stockholders' Equity
   
749,933,317
     
-
     
749,933,317
     
90,539,849
     
840,473,166
 
 
 
   
As of January 1, 2014
 
   
As Originally Reported
   
Adjustment (A)
   
As Previously Reported
   
Adjustments (B)
   
As Restated
 
Accumulated other comprehensive income, net of taxes
 
$
1,218,396
   
$
(907,624
)
 
$
310,772
   
$
-
   
$
310,772
 
Retained earnings
   
39,666,587
     
907,624
     
40,574,211
     
6,405,271
     
46,979,482
 
 
 
   
As of December 31, 2014
 
   
As Originally Reported
   
Adjustment (A)
   
As Previously Reported
   
Adjustments (B)
   
As Restated
 
Accumulated other comprehensive income, net of taxes
   
1,438,566
     
(1,177,209
)
   
261,357
     
-
     
261,357
 
Retained earnings
   
44,101,252
     
1,177,209
     
45,278,461
     
6,597,870
     
51,876,331
 

96

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

21)  Correction of Errors (Continued)
 
The tables below present the impact of the restatement on the Company's Consolidated Statements of Earnings for the periods presented:

   
Year Ended December 31, 2016
 
   
As Originally Reported
   
Adjustment (A)
   
As Previously Reported
   
Adjustments (B)
   
As Restated
 
Mortgage fee income
 
$
186,416,311
   
$
-
   
$
186,416,311
   
$
(2,873,515
)
 
$
183,542,796
 
Total revenues
   
307,208,416
     
-
     
307,208,416
     
(2,873,515
)
   
304,334,901
 
Increase in future policy benefits
   
21,476,432
     
-
     
21,476,432
     
(154,237
)
   
21,322,195
 
Commissions
   
87,762,583
     
-
     
87,762,583
     
871,911
     
88,634,494
 
Provision for loan loss reserve
   
4,688,754
     
-
     
4,688,754
     
(2,988,754
)
   
1,700,000
 
Cost related to funding mortgage loans
   
8,756,791
     
-
     
8,756,791
     
434,697
     
9,191,488
 
Total benefits and expenses
   
286,468,053
     
-
     
286,468,053
     
(1,836,383
)
   
284,631,670
 
Earnings before income taxes
   
20,740,363
     
-
     
20,740,363
     
(1,037,132
)
   
19,703,231
 
Income tax expense
   
(6,460,859
)
   
-
     
(6,460,859
)
   
(1,053,745
)
   
(7,514,604
)
Net earnings
   
14,279,504
     
-
     
14,279,504
     
(2,090,877
)
   
12,188,627
 
Net earnings per common share (1)
 
$
0.96
   
$
0.00
   
$
0.96
   
(0.14
)
 
$
0.82
 
Net earnings per common share assuming dilution (1)
 
$
0.94
   
$
0.00
   
$
0.94
   
(0.14
)
 
$
0.81
 
 
 
   
Year Ended December 31, 2015
 
   
As Originally Reported
   
Adjustment (A)
   
As Previously Reported
   
Adjustments (B)
   
As Restated
 
Mortgage fee income
 
$
174,323,452
   
$
1,403,240
   
$
175,726,692
   
$
(4,209,408
)
 
$
171,517,284
 
Total revenues
   
283,161,000
     
1,403,240
     
284,564,240
     
(4,209,408
)
   
280,354,832
 
Increase in future policy benefits
   
17,212,001
     
-
     
17,212,001
     
(154,237
)
   
17,057,764
 
Commissions
   
81,935,623
     
-
     
81,935,623
     
(1,035,005
)
   
80,900,618
 
Provision for loan loss reserve
   
6,295,043
     
-
     
6,295,043
     
(2,845,940
)
   
3,449,103
 
Cost related to funding mortgage loans
   
8,864,404
     
-
     
8,864,404
     
37,107
     
8,901,511
 
Total benefits and expenses
   
263,339,435
     
-
     
263,339,435
     
(3,998,075
)
   
259,341,360
 
Earnings before income taxes
   
19,821,565
     
1,403,240
     
21,224,805
     
(211,333
)
   
21,013,472
 
Income tax expense
   
(7,198,685
)
   
(547,263
)
   
(7,745,948
)
   
83,917
     
(7,662,031
)
Net earnings
   
12,622,880
     
855,977
     
13,478,857
     
(127,416
)
   
13,351,441
 
Net earnings per common share (1)
 
$
0.87
   
$
0.06
   
$
0.93
   
(0.01
)
 
$
0.92
 
Net earnings per common share assuming dilution (1)
 
$
0.84
   
$
0.06
   
$
0.90
   
(0.01
)
 
$
0.89
 
 
 
 
   
Year Ended December 31, 2014
 
   
As Originally Reported
   
Adjustment (A)
   
As Previously Reported
   
Adjustments (B)
   
As Restated
 
Mortgage fee income
 
$
128,696,998
   
$
441,943
   
$
129,138,941
   
$
(2,331,468
)
 
$
126,807,473
 
Total revenues
   
226,936,674
     
441,943
     
227,378,617
     
(2,331,468
)
   
225,047,149
 
Increase in future policy benefits
   
18,060,151
     
-
     
18,060,151
     
(154,237
)
   
17,905,914
 
Commissions
   
59,876,675
     
-
     
59,876,675
     
(502,133
)
   
59,374,542
 
Provision for loan loss reserve
   
3,053,403
     
-
     
3,053,403
     
(2,053,403
)
   
1,000,000
 
Cost related to funding mortgage loans
   
6,877,069
     
-
     
6,877,069
     
(425,750
)
   
6,451,319
 
Total benefits and expenses
   
214,455,721
     
-
     
214,455,721
     
(3,135,523
)
   
211,320,198
 
Earnings before income taxes
   
12,480,953
     
441,943
     
12,922,896
     
804,055
     
13,726,951
 
Income tax expense
   
(4,726,305
)
   
(172,358
)
   
(4,898,663
)
   
(611,456
)
   
(5,510,119
)
Net earnings
   
7,754,648
     
269,585
     
8,024,233
     
192,599
     
8,216,832
 
Net earnings per common share (1)
 
$
0.56
   
$
0.02
   
$
0.58
   
$
0.01
   
$
0.59
 
Net earnings per common share assuming dilution (1)
 
$
0.54
   
$
0.02
   
$
0.56
   
$
0.01
   
$
0.57
 

(1)
Earnings per share amounts have been adjusted retroactively for the effect of annual stock dividends.

97

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

21)  Correction of Errors (Continued)
 
The tables below present the impact of the restatement on the Company's Consolidated Statements of Comprehensive Income for the periods presented:

   
Year Ended December 31, 2016
 
   
As Originally Reported
   
Adjustment (A)
   
As Previously Reported
   
Adjustments (B)
   
As Restated
 
Net earnings
 
$
14,279,504
   
$
-
   
$
14,279,504
   
$
(2,090,877
)
 
$
12,188,627
 
Net unrealized gains (losses) on derivative instruments
   
6,490
     
-
     
6,490
     
-
     
6,490
 
Other comprehensive gain (loss)
   
764,180
     
-
     
764,180
     
-
     
764,180
 
                                         
   
Year Ended December 31, 2015
 
   
As Originally Reported
   
Adjustment (A)
   
As Previously Reported
   
Adjustments (B)
   
As Restated
 
Net earnings
 
$
12,622,880
   
$
855,977
   
$
13,478,857
   
$
(127,416
)
 
$
13,351,441
 
Net unrealized gains (losses) on derivative instruments
   
866,605
     
(855,977
)
   
10,628
     
-
     
10,628
 
Other comprehensive gain (loss)
   
95,262
     
(855,977
)
   
(760,715
)
   
-
     
(760,715
)
                                         
   
Year Ended December 31, 2014
 
   
As Originally Reported
   
Adjustment (A)
   
As Previously Reported
   
Adjustments (B)
   
As Restated
 
Net earnings
 
$
7,754,648
   
$
269,585
   
$
8,024,233
   
$
192,599
   
$
8,216,832
 
Net unrealized gains (losses) on derivative instruments
   
286,018
     
(269,585
)
   
16,433
     
-
     
16,433
 
Other comprehensive gain (loss)
   
220,170
     
(269,585
)
   
(49,415
)
   
-
     
(49,415
)


98

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

21)  Correction of Errors (Continued)
 
The tables below present the impact of the restatement on the Company's Consolidated Statements of Cash Flows for the periods presented:

   
Year Ended December 31, 2016
 
   
As Originally Reported
   
Adjustment (A)
   
As Previously Reported
   
Adjustments (B)
   
As Restated
 
Net earnings
 
$
14,279,504
   
$
-
   
$
14,279,504
   
$
(2,090,877
)
 
$
12,188,627
 
Provision for deferred and other income taxes
   
5,076,899
     
-
     
5,076,899
     
1,053,745
     
6,130,644
 
Loans originated for sale
   
-
     
-
     
-
     
(3,098,710,299
)
   
(3,098,710,299
)
Proceeds from loans sold
   
-
     
-
     
-
     
3,246,127,714
     
3,246,127,714
 
Net gains on loans sold
   
-
     
-
     
-
     
(137,682,984
)
   
(137,682,984
)
Future life and other benefits
   
18,143,832
     
-
     
18,143,832
     
(154,237
)
   
17,989,595
 
Receivables for mortgage loans sold
   
20,216,621
     
-
     
20,216,621
     
(20,216,621
)
   
-
 
Other operating assets and liabilities
   
(8,473,503
)
   
-
     
(8,473,503
)
   
3,348,127
     
(5,125,376
)
Net cash provided by (used in) operating activities
   
43,860,446
     
-
     
43,860,446
     
(8,325,432
)
   
35,535,014
 
Net change in warehouse line borrowings
   
-
             
-
     
8,325,432
     
8,325,432
 
Net cash provided by financing activities
   
10,664,656
     
-
     
10,664,656
     
8,325,432
     
18,990,088
 
                                         
   
Year Ended December 31, 2015
 
   
As Originally Reported
   
Adjustment (A)
   
As Previously Reported
   
Adjustments (B)
   
As Restated
 
Net earnings
 
$
12,622,880
   
$
855,977
   
$
13,478,857
   
$
(127,416
)
 
$
13,351,441
 
Provision for deferred and other income taxes
   
4,909,927
     
-
     
4,909,927
     
(83,917
)
   
4,826,010
 
Loans originated for sale
   
-
     
-
     
-
     
(2,861,404,239
)
   
(2,861,404,239
)
Proceeds from loans sold
   
-
     
-
     
-
     
2,933,300,742
     
2,933,300,742
 
Net gains on loans sold
   
-
     
-
     
-
     
(131,130,447
)
   
(131,130,447
)
Future life and other benefits
   
15,232,634
     
-
     
15,232,634
     
(154,237
)
   
15,078,397
 
Receivables for mortgage loans sold
   
(47,752,055
)
   
-
     
(47,752,055
)
   
47,752,055
     
-
 
Other operating assets and liabilities
   
4,890,770
     
-
     
4,890,770
     
(434,680
)
   
4,456,090
 
Net cash provided by (used in) operating activities
   
(15,831,248
)
   
-
     
(15,831,248
)
   
(12,282,139
)
   
(28,113,387
)
Net change in warehouse line borrowings
   
-
             
-
     
12,282,139
     
12,282,139
 
Net cash provided by financing activities
   
9,656,561
     
-
     
9,656,561
     
12,282,139
     
21,938,700
 
                                         
   
Year Ended December 31, 2014
 
   
As Originally Reported
   
Adjustment (A)
   
As Previously Reported
   
Adjustments (B)
   
As Restated
 
Net earnings
 
$
7,754,648
   
$
269,585
   
$
8,024,233
   
$
192,599
   
$
8,216,832
 
Provision for deferred and other income taxes
   
3,245,004
     
-
     
3,245,004
     
611,452
     
3,856,456
 
Loans originated for sale
   
-
     
-
     
-
     
(2,044,909,613
)
   
(2,044,909,613
)
Proceeds from loans sold
   
-
     
-
     
-
     
2,102,740,825
     
2,102,740,825
 
Net gains on loans sold
   
-
     
-
     
-
     
(93,144,155
)
   
(93,144,155
)
Future life and other benefits
   
14,084,894
     
-
     
14,084,894
     
(154,237
)
   
13,930,657
 
Receivables for mortgage loans sold
   
7,362,353
     
-
     
7,362,353
     
(7,362,353
)
   
-
 
Other operating assets and liabilities
   
(135,279
)
   
-
     
(135,279
)
   
(1,453,885
)
   
(1,589,164
)
Net cash provided by (used in) operating activities
   
31,015,809
     
-
     
31,015,809
     
(43,479,367
)
   
(12,463,558
)
Net change in warehouse line borrowings
   
-
             
-
     
43,479,367
     
43,479,367
 
Net cash provided by financing activities
   
6,364,003
     
-
     
6,364,003
     
43,479,367
     
49,843,370
 
 

99

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES
Notes to Consolidated Financial Statements
Years Ended December 31, 2016, 2015 and 2014

22)   Impact of Restatement Adjustments on Quarterly Financial Statements (Unaudited)

   
2016 (2)
   
Three Months Ended
   
March 31
(As Previously Reported)
   
March 31
(As Restated)
   
June 30
(As Previously Reported)
   
June 30
(As Restated)
   
September 30
(As Previously Reported)
   
September 30
(As Restated)
   
December 31
(As Previously Reported)
   
December 31
(As Restated)
 
Revenues
 
$
67,355,307
   
$
69,456,348
   
$
81,312,192
   
$
80,087,227
   
$
84,393,427
   
$
82,948,657
   
$
74,147,490
   
$
71,842,669
 
Benefits and expenses
   
63,163,550
     
65,385,268
     
73,758,739
     
72,101,342
     
77,427,792
     
76,375,127
     
72,117,972
     
70,769,933
 
Earnings before income taxes
   
4,191,757
     
4,071,080
     
7,553,453
     
7,985,885
     
6,965,635
     
6,573,530
     
2,029,518
     
1,072,736
 
Income tax expense
   
(1,580,220
)
   
(1,533,139
)
   
(2,456,885
)
   
(2,968,879
)
   
(2,190,206
)
   
(2,390,525
)
   
(233,548
)
   
(622,061
)
Net earnings
   
2,611,537
     
2,537,941
     
5,096,568
     
5,017,006
     
4,775,429
     
4,183,005
     
1,795,970
     
450,675
 
Net earnings per common share (1)
 
$
0.18
   
$
0.17
   
$
0.35
   
$
0.34
   
$
0.32
   
$
0.28
   
$
0.12
   
$
0.03
 
Net earnings per common share assuming dilution (1)
 
$
0.17
   
$
0.17
   
$
0.34
   
$
0.33
   
$
0.31
   
$
0.27
   
$
0.12
   
$
0.03
 
 
    2015(2)  
   
Three Months Ended
 
   
March 31
(As Previously Reported)
   
March 31
(As Restated)
   
June 30
(As Previously Reported)
   
June 30
(As Restated)
   
September 30
(As Previously Reported)
   
September 30
(As Restated)
   
December 31
(As Previously Reported)
   
December 31
(As Restated)
 
Revenues
 
$
66,537,523
   
$
65,824,546
   
$
77,292,625
   
$
75,187,618
   
$
74,062,877
   
$
74,985,622
   
$
66,671,215
   
$
64,357,046
 
Benefits and expenses
   
61,051,248
     
61,388,750
     
69,808,663
     
68,772,252
     
67,700,286
     
68,073,150
     
64,779,238
     
61,107,208
 
Earnings before income taxes
   
5,486,275
     
4,435,796
     
7,483,962
     
6,415,366
     
6,362,591
     
6,912,472
     
1,891,977
     
3,249,838
 
Income tax expense
   
(2,104,958
)
   
(1,698,788
)
   
(2,867,957
)
   
(2,454,812
)
   
(2,346,210
)
   
(2,554,134
)
   
(426,823
)
   
(954,297
)
Net earnings
   
3,381,317
     
2,737,008
     
4,616,005
     
3,960,554
     
4,016,381
     
4,358,338
     
1,465,154
     
2,295,541
 
Net earnings per common share (1)
 
$
0.24
   
$
0.19
   
$
0.32
   
$
0.27
   
$
0.28
   
$
0.30
   
$
0.10
   
$
0.16
 
Net earnings per common share assuming dilution (1)
 
$
0.23
   
$
0.18
   
$
0.31
   
$
0.26
   
$
0.26
   
$
0.29
   
$
0.10
   
$
0.15
 

   
2014 (2)
 
   
Three Months Ended
 
   
March 31
(As Previously Reported)
   
March 31
(As Restated)
   
June 30
(As Previously Reported)
   
June 30
(As Restated)
   
September 30
(As Previously Reported)
   
September 30
(As Restated)
   
December 31
(As Previously Reported)
   
December 31
(As Restated)
 
Revenues
 
$
45,502,539
   
$
45,843,231
   
$
60,200,879
   
$
58,408,816
   
$
61,012,516
   
$
60,515,415
   
$
60,662,683
   
$
60,279,687
 
Benefits and expenses
   
44,887,289
     
46,062,797
     
55,224,633
     
53,921,094
     
58,348,652
     
57,958,096
     
55,995,147
     
53,378,211
 
Earnings before income taxes
   
615,250
     
(219,566
)
   
4,976,246
     
4,487,722
     
2,663,864
     
2,557,319
     
4,667,536
     
6,901,476
 
Income tax expense
   
(202,352
)
   
119,914
     
(1,870,803
)
   
(1,685,203
)
   
(961,140
)
   
(919,546
)
   
(1,864,368
)
   
(3,025,284
)
Net earnings
   
412,898
     
(99,652
)
   
3,105,443
     
2,802,519
     
1,702,724
     
1,637,773
     
2,803,168
     
3,876,192
 
Net earnings per common share (1)
 
$
0.03
   
(0.01
)
 
$
0.22
   
$
0.20
   
$
0.12
   
$
0.12
   
$
0.20
   
$
0.28
 
Net earnings per common share assuming dilution (1)
 
$
0.03
   
(0.01
)
 
$
0.22
   
$
0.20
   
$
0.12
   
$
0.11
   
$
0.19
   
$
0.27
 


(1)
Earnings per share amounts have been adjusted retroactively for the effect of annual stock dividends.
(2)
Earnings restated – See Note 21 of the Notes to Consolidated Financial Statements for additional information   regarding correction of errors.

100

Item 9.  Changes in and Disagreements with Accountants on Accounting and Financial Disclosure

None

Item 9A.  Controls and Procedures

Under the supervision and with the participation of the Company's management, including the Chief Executive Officer and Chief Financial Officer, the Company has evaluated the effectiveness of its disclosure controls and procedures as required by Exchange Act Rule 13a-15(b) as of the end of the period covered by this report. Based on that evaluation, the Chief Executive Officer and Chief Financial Officer have concluded that certain disclosure controls and procedures were not effective.

(a)     Management's annual report on internal control over financial reporting.

Management is responsible for establishing and maintaining adequate internal control over financial reporting. The Company's internal control over financial reporting is a process that is designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles, and includes those policies and procedures that:

·
Pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of assets of the Company, 
   
·
Provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures are being made only in accordance with authorizations of management and the Board of Directors of the Company, and
   
·
Provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the Company's assets that could have a material effect on the financial statements.

Management has identified two material weaknesses in the Company's internal controls over financial reporting as of December 31, 2016 as follows:

·
The Company's controls related to the review and approval of invoices, including the evaluation of the timing of services/products, to provide for proper accounting for obligations did not operate effectively. As a result of the control deficiency, a material progress bill concerning work performed and corresponding retainage from a contractor for a building project was not recorded in the Company's accounting records on a timely basis. 
     
·
The Company's review controls over complex accounting matters to properly identify and apply relevant accounting standards did not operate effectively, which resulted in the three errors discussed below. 
     
 
1.
The use by SecurityNational Mortgage, a subsidiary, of interest rate lock commitments and forward sale mandatory delivery commitments are both considered derivatives under Accounting Standards Codification 815, Derivatives and Hedging. These mortgage banking derivatives are complex financial instruments that are required to be recorded at fair value.  The Company, which had previously recorded the changes in fair value of mortgage banking derivatives through other comprehensive income, should have recorded such changes in current period earnings.
     
 
2.
The Warehouse Line Repurchase Agreements ("Repurchase Agreements") had been previously treated as off-balance sheet financing.  A subsequent review determined that these Repurchase Agreements did not qualify for "true sale" accounting and that the loans and related debt should be recorded as assets and liabilities of the Company.
     
 
3.
The Company's valuation allowance of deferred tax assets should have been reversed in an earlier period.

The Company restated its consolidated financial statements to correct errors resulting from these material weaknesses.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies and procedures may deteriorate.
101

Management performed an assessment of the effectiveness of the Company's internal control over financial reporting as of December 31, 2016 based on the framework in "Internal Control-Integrated Framework (2013)" issued by the Committee of Sponsoring Organizations of the Treadway Commission. The objective of this assessment was to determine whether the Company's internal control over financial reporting was effective as of December 31, 2016. Based on that assessment management believes that at December 31, 2016, the Company's internal control over financial reporting was not effective for reason of the material weaknesses noted above.

This annual report on internal control over financial reporting does not include an attestation report of the Company's registered public accounting firm regarding internal control over financial reporting. Management's report was not subject to attestation by the Company's registered public accounting firm pursuant to rules of the Securities and Exchange Commission that permit the Company to provide only management's report in this annual report.

(b)  Changes in internal control over financial reporting.

Except for the material weaknesses discussed above, there have not been any significant changes in the Company's internal control over financial reporting (as defined in Rule 13a-15(f) under the Securities and Exchange Act of 1934, as amended) in the fourth quarter of 2016 that materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

Remediation Efforts to Address Material Weakness

During the fourth quarter of 2016, there were changes 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. Two of the prior errors were determined to be immaterial errors and were noted in connection with the annual audit of the Company's consolidated financial statements for the fiscal year ended December 31, 2016. The other two errors were discovered as a result of a review of current accounting policies and were determined to be material errors.  Management has corrected these errors in this Form 10-K/A for the fiscal year ended December 2016. See Notes 21 and 22 to the Company's Consolidated Financial Statements.

The Company is implementing measures to remediate the underlying causes that gave rise to the material weaknesses. The following remediation steps are among the measures currently being implemented at the time of this filing by management: (i) a thorough review of the accounting department to ensure that the staff has the appropriate training and the level of reviews are commensurate with the complexity of the accounting; and (ii) a thorough review of the processes and procedures used in the Company's accounting policies and the implementation of those policies.

The Company believes the measures described above will remediate the control deficiencies that it has identified and strengthen its internal control over financial reporting. The Company is committed to continuous improvement of its internal control processes and will continue to diligently review its financial reporting controls and procedures.

Item 9B. Other Information

Completion of Acquisition of First Guaranty Insurance Company

On July 11, 2016, the Company, through its wholly owned subsidiary, Security National Life, completed a stock purchase transaction with the shareholders of Reppond Holding Corporation, an Arkansas corporation ("Reppond Holding") and sole shareholder of First Guaranty Insurance Company, a Louisiana domestic stock legal reserve life insurance company ("First Guaranty"), to purchase all the outstanding shares of common stock of Reppond Holding. Under the terms of the Stock Purchase Agreement, dated February 17, 2016, between Security National Life and Reppond Holding, which was later amended on March 4, 2016 and March 17, 2016, Security National Life paid a total of $6,753,000 at the closing in consideration for the purchase of all the outstanding shares of stock of Reppond Holding from its shareholders.

The transaction was completed following the satisfaction or waiver of certain conditions set forth in the Stock Purchase Agreement. These conditions included obtaining all the required material orders, consents, permits, authorizations, approvals and waivers (including, without limitation, obtaining the approval of the Louisiana Department of Insurance without the material abrogation or diminishment of First Guaranty's or Reppond Holding's authority or license or the imposition of signification restrictions upon the transactions contemplated thereby). This condition was satisfied on July 8, 2016 when the Department issued an order approving the transaction, as required. The closing of the transaction took place soon thereafter on July 11, 2016.

At December 31, 2015, First Guaranty had 37,069 policies in force and 320 agents. Also, as of December 31, 2015, First Guaranty had statutory revenues of $8,102,000 and a statutory net loss of $724,000. Additionally, as of December 31, 2015, the statutory assets and the capital and surplus of First Guaranty were $55,550,000 and $3,849,000, respectively. As of December 31, 2014, First Guaranty had revenues of $8,080,000 and a net loss of $172,000. Moreover, as of December 31, 2014, the statutory assets and the capital and surplus of First Guaranty were $54,696,000 and $4,581,000, respectively.
102

PART III

Item 10.  Directors, Executive Officers and Corporate Governance

The Company's Board of Directors consists of eight persons, five of whom are not employees of the Company. There are no family relationships between or among any of the directors and executive officers, except that Scott M. Quist and Christie Q. Overbaugh are brother and sister, Jason G. Overbaugh is the son of Ms. Christie Q. Overbaugh, and S. Andrew Quist is the son of Scott M. Quist. The following table sets forth certain information with respect to the directors and executive officers of the Company.
 
Name
 
Age
 
Position with the Company
Scott M. Quist    63  
Chairman of the Board, President, Chief Executive Officer and Director
         
Garrett S. Sill
 
46
 
Chief Financial Officer and Treasurer
         
Jason G. Overbaugh
 
42
 
Vice President, National Marketing Director of Life Insurance and Director
         
S. Andrew Quist
 
36
 
Vice President, Associate General Counsel and Director
         
Jeffrey R. Stephens
 
63
 
General Counsel and Corporate Secretary
         
Stephen C. Johnson
 
60
 
Vice President of Mortgage Operations
         
Christie Q. Overbaugh
 
68
 
Senior Vice President of Internal Operations
         
John L. Cook
 
62
 
Director
         
Gilbert A. Fuller
 
76
 
Director
         
Robert G. Hunter
 
57
 
Director
         
H. Craig Moody
 
65
 
Director
         
Norman G. Wilbur
 
78
 
Director
Directors

The following is a description of the business experience of each of the Company's directors.

Scott M. Quist has served as Chairman of the Board and Chief Executive Officer of the Company since September 2012. Mr. Quist also serves as the Company's President, a position he has held since 2002. He has also served as a director of the Company since 1986.  Mr. Quist served as First Vice President of the Company from 1986 to 2002.  From 1980 to 1982, Mr. Quist was a tax specialist with Peat, Marwick, Mitchell, & Co., in Dallas, Texas.  From 1986 to 1991, he was Treasurer and a director of The National Association of Life Companies, a trade association of 642 insurance companies until its merger with the American Council of Life Companies.  Mr. Quist has been a member of the Board of Governors of the Forum 500 Section (representing small insurance companies) of the American Council of Life Insurance.  He has also served as a regional director of Key Bank of Utah since November 1993.  Mr. Quist is currently a director and a past president of the National Alliance of Life Companies, a trade association of over 200 life companies.  Mr. Quist holds a B.S. degree in Accounting from Brigham Young University and also received his law degree from Brigham Young University.  Mr. Quist's significant expertise and deep understanding of the technical, organizational and strategic business aspects of the insurance industry, his management expertise, his 14 year tenure as President of the Company and 30 year tenure as a director, and his years of business and leadership experience led the Board of Directors to conclude that he should be appointed as Chairman of the Board and Chief Executive Officer of the Company.

Jason G. Overbaugh has served as Vice President of the Company since 2002. He has also served as a director of the Company since July 2013. Mr. Overbaugh has additionally served as a Vice President and National Marketing Director of Security National Life Insurance Company, a wholly owned subsidiary of the Company, since 2006. From 2003 to 2006, he served as a Vice President of Security National Life Insurance Company with responsibilities as an investment manager over construction lending and commercial real estate investments. From 2000 to 2003, he served as a Vice President of Memorial Estates, Inc., a wholly owned subsidiary of the Company, with responsibilities over operations and sales. In addition, Mr. Overbaugh has served since 2007 as a director of the LOMA Life Insurance Council, a trade association of life insurance companies. He is also a member of the NFDA Trade Association. Mr. Overbaugh received a B.S. degree in Finance from the University of Utah. Mr. Overbaugh's expertise in insurance and marketing, and his 20 years of experience with the Company in its insurance, real estate, and mortuary and cemetery operations led the Board of Directors to conclude that he should serve as a director.

S. Andrew Quist has served as Vice President of the Company since 2010. He has also served as a director of the Company since July 2013. Mr. Quist has additionally served as the Company's Associate General Counsel since 2007, where his responsibilities have included the Company's regulatory matters and acquisitions. In addition, Mr. Quist has been Vice President and Chief Operating Officer since 2010, and Vice President from 2008 to 2010, of C&J Financial, LLC, a wholly owned subsidiary of the Company, which funds the purchase of funeral and burial policies from funeral homes after the death of the insureds.  Mr. Quist has also served since 2013 as a director of the National Alliance of Life Companies (NALC), a national trade association of over 200 life insurance companies, where he also serves as President and Treasurer. Further, Mr. Quist has previously served as President of the Utah Life Convention, a consortium of Utah domestic life insurers. Mr. Quist holds a B.S. degree in Accounting from Brigham Young University and received his law degree from the University of Southern California. Mr. Quist's expertise in insurance, legal, and regulatory matters led the Board of Directors to conclude that he should serve as a director.

John L. Cook has served as a director of the Company since December 2013.  Mr. Cook has served since 1982 as co-owner and operator of Cook Brothers Painting, Inc., a painting company that provides painting services for contractors and builders of residential and commercial properties. In addition, Mr. Cook attended the University of Utah. Mr. Cook's years of experience with the construction industry and construction projects led the Board of Directors to conclude that Mr. Cook should serve as a director. As a director, Mr. Cook advises the Board regarding the Company's investments in commercial and residential real estate projects. Moreover, Mr. Cook's extensive background in construction and building is important as the Company continues to acquire new real estate holdings and develop its current portfolio of undeveloped land into future developments that could provide additional long term revenues for the Company.
103

Gilbert A. Fuller has served as a director of the Company since December 2012. From 2006 until his retirement in 2008, Mr. Fuller served as Executive Vice President, Chief Financial Officer and Secretary of USANA Health Sciences, Inc., a multinational manufacturer and direct seller of nutritional supplements. Mr. Fuller joined USANA in 1996 as the Vice President of Finance and served in that role until 1999 when he was appointed as its Senior Vice President. Mr. Fuller has served as a member of the Board of Directors of USANA since 2008. Before joining USANA, Mr. Fuller served in various executive positions for several different companies. Mr. Fuller served as Chief Administrative Officer and Treasurer of Melaleuca, Inc., a manufacturer and direct seller of personal care products. He was also the Vice President and Treasurer of Norton Company, a multinational manufacturer of ceramics and abrasives. Mr. Fuller obtained his certified public accountant license in 1970 and kept it current until his career path developed into corporate finance. Mr. Fuller received a B.S. degree in Accounting and an M.B.A. degree from the University of Utah. Mr. Fuller's accounting, finance and corporate strategy expertise and his years of financial, accounting and business experience in public and private companies, including USANA Health Sciences, Inc., which is listed on the New York Stock Exchange, where he served as an executive officer and continues to serve as a director, led the Board of Directors to conclude that he should serve as a director.

Robert G. Hunter, M.D. has served as a director of the Company since 1998.  Dr. Hunter is currently a practicing physician in private practice.  Dr. Hunter created the statewide E.N.T. Organization (Rocky Mountain E.N.T., Inc.) where he is currently a member of the Executive Committee.  Dr. Hunter is Department Head of Otolaryngology, Head and Neck Surgery at Intermountain Medical Center and a past President of the medical staff of the Intermountain Medical Center.  He is also a delegate to the Utah Medical Association and has served as a delegate representing the State of Utah to the American Medical Association, and a member of several medical advisory boards.  Dr. Hunter holds a B.S. degree in Microbiology from the University of Utah and received his medical degree from the University of Utah College of Medicine.  Dr. Hunter's medical expertise and experience, and his administrative and leadership experience from serving in a number of administrative positions in the medical profession led the Board of Directors to conclude that he should serve as a director.

H. Craig Moody has served as a director of the Company since 1995.  Mr. Moody is owner of Moody & Associates, a political consulting and real estate company.  He is a former Speaker and House Majority Leader of the House of Representatives of the State of Utah.  Mr. Moody holds a B.S. degree in Political Science from the University of Utah.  Mr. Moody's real estate and governmental affairs expertise and years of business and leadership experience led the Board of Directors to conclude that he should serve as a director.

Norman G. Wilbur has served as a director of the Company since 1998.  Mr. Wilbur worked for J.C. Penny's regional offices in budget and analysis.  His final position was Manager of Planning and Reporting for J.C. Penny's stores.  After 36 years with J.C. Penny's, Mr. Wilbur opted for early retirement in 1997.  Mr. Wilbur holds a B.S. degree in Accounting from the University of Utah.  Mr. Wilbur is a past executive director of the Dallas area Habitat for Humanity.  Mr. Wilbur's financial expertise and business experience from a successful career at JC Penny's led the Board of Directors to conclude that he should serve as a director.  In addition, the Board of Directors' determination that Mr. Wilbur is the Audit Committee "financial expert" lends further support to his financial acumen and qualification for serving as a director.

The Board of Directors, Board Committees and Meetings

The Company's Bylaws provide that the Board of Directors shall consist of not less than five or more than twelve members.  The term of office of each director is for a period of one year or until the election and qualification of his successor.  A director is not required to be a resident of the State of Utah or a stockholder of the Company.  The Board of Directors held a total of five meetings during the fiscal year ended December 31, 2016. Each of the directors attended 75% or more of the meetings of the Board of Directors during the 2016 fiscal year.

The size of the Board of Directors of the Company for the coming year is eight members.  A majority of the Board of Directors must qualify as "independent" as that term is defined in Rule 4200 of the listing standards of the Nasdaq Stock Market.  The Board of Directors has affirmatively determined that five of the eight members of the Board of Directors, Messrs. John L. Cook, Gilbert A. Fuller, Robert G. Hunter, M.D., H. Craig Moody and Norman G. Wilbur, are independent under the listing standards of the Nasdaq Stock Market.

There are four committees of the Board of Directors, which meet periodically during the year: the Audit Committee, the Compensation Committee, the Executive Committee, and the Nominating and Corporate Governance Committee.
104

The Audit Committee directs the auditing activities of the Company's internal auditors and outside public accounting firm and approves the services of the outside public accounting firm.  The Audit Committee consists of Messrs. Gilbert A. Fuller, H. Craig Moody and Norman G. Wilbur (Chairman of the committee).  During 2016, the Audit Committee met on four occasions.

The Compensation Committee is responsible for recommending to the Board of Directors for approval the annual compensation of each executive officer of the Company and the executive officers of the Company's subsidiaries, developing policy in the areas of compensation and fringe benefits, contributions under the Employee Stock Ownership Plan, contributions under the 401(k) Retirement Savings Plans, Deferred Compensation Plan, granting of options under the stock option plans, and creating other employee compensation plans.  The Compensation Committee consists of Messrs. John L. Cook, Gilbert A. Fuller, Robert G. Hunter, M.D., H. Craig Moody and Norman G. Wilbur (Chairman of the committee).  During 2016, the Compensation Committee met on three occasions.

The Executive Committee reviews Company policy, major investment activities and other pertinent transactions of the Company.   The Executive Committee consists of Messrs. Gilbert A. Fuller, H. Craig Moody, S. Andrew Quist and Scott M. Quist (Chairman of the committee).  During 2016, the Executive Committee met on one occasion.

The Nominating and Corporate Governance Committee identifies individuals qualified to become board members consistent with criteria approved by the board, recommends to the board the persons to be nominated by the board for election as directors at a meeting of stockholders, and develops and recommends to the board a set of corporate governance principles.  The Nominating and Corporate Governance Committee consists of Messrs. John L. Cook, Gilbert A. Fuller, Robert G. Hunter, M.D., H. Craig Moody (Chairman of the committee), and Norman G. Wilbur.  The Nominating and Corporate Governance Committee is composed solely of independent directors, as defined in the listing standards of the Nasdaq Stock Market.  During 2016, the Nominating and Corporate Governance Committee met on two occasions.

Director Nominating Process

The process for identifying and evaluating nominees for directors include the following steps: (1) the Nominating and Corporate Governance Committee, Chairman of the Board or other board members identify a need to fill vacancies or add newly created directorships; (2) the Chairman of the Nominating and Corporate Governance Committee initiates a search and seeks input from board members and senior management and, if necessary, obtains advice from legal or other advisors (but does not hire an outside search firm); (3) director candidates, including any candidates properly proposed by stockholders in accordance with the Company's Bylaws, are identified and presented to the Nominating and Corporate Governance Committee; (4) initial interviews with candidates are conducted by the Chairman of the Nominating and Corporate Governance Committee; (5) the Nominating and Corporate Governance Committee meets to consider and approve final candidate(s) and conduct further interviews as necessary; and (6) the Nominating and Corporate Governance Committee makes recommendations to the board for inclusion in the slate of directors at the annual meeting.  The evaluation process will be the same whether the nominee is recommended by a stockholder or by a member of the Board of Directors.

Meetings of Non-Management Directors

The Company's independent directors meet regularly in executive session without management.  The Board of Directors has designated a lead director to preside at executive sessions of independent directors.  Mr. H. Craig Moody is currently the lead director.

Executive Officers

Garrett S. Sill has served as Chief Financial Officer and Treasurer since July 2013. From January 2013 to July 2013, Mr. Sill served as Acting Chief Financial Officer and Acting Treasurer. From 2012 to January 2013, Mr. Sill served as Vice President and Assistant Treasurer of Security National Life. From 2002 to 2011, Mr. Sill was Chief Financial Officer and Treasurer of SecurityNational Mortgage. From 1997 to 2002, Mr. Sill was Vice President and Controller of SecurityNational Mortgage. Mr. Sill is a certified public accountant, having been licensed since 2002. He holds a B.A. degree in Accounting from Weber State University and an M.B.A. degree in Business Administration from the University of Utah. Mr. Sill also serves as a member of the Advisory Council of the School of Accounting and Taxation at Weber State University.

Jeffrey R. Stephens was appointed General Counsel and Corporate Secretary of the Company in December 2008. Mr. Stephens had served as General Counsel for the Company from November 2006 to December 2008. He was in private practice from 1981 to 2006 in the states of Washington and Utah. Mr. Stephens holds a B.S. degree in Geography from the University of Utah and received his law degree from Brigham Young University.  He is a member of the Utah State Bar and the Washington State Bar Association.
105

Stephen C. Johnson began serving as the Vice President of Mortgage Operations of the Company and as the President of SecurityNational Mortgage on January 1, 2016. On October 1, 2015, the Company's Board of Directors appointed Mr. Johnson to replace J. Lynn Beckstead, Jr. who had served as the Company's Vice President of Mortgage Operations from 2003 until his retirement on December 31, 2015 and as President of SecurityNational Mortgage from 1993 until his retirement on December 31, 2015. Mr. Johnson's appointments as the Company's Vice President of Mortgage Operations and the President of SecurityNational Mortgage took effect on January 1, 2016. Prior to his appointment as the Company's Vice President of Mortgage Operations and as President of SecurityNational Mortgage, Mr. Johnson served as Executive Vice President and Chief Operating Officer of SecurityNational Mortgage, positions he had held since 2012. From 2002 to 2012, Mr. Johnson served as Vice President and Chief Operating Officer of SecurityNational Mortgage.  From 2000 to 2002, he served as Vice President of Operations of SecurityNational Mortgage.

From 1998 to 2000, Mr. Johnson served as Senior Vice President of Real Estate of Bank of Utah. From 1997 to 1998, Mr. Johnson served as Manager of Mortgage Lending of Barnes Banking. During the period from 1982 to 1997, Mr. Johnson served as Vice President of Secondary Marketing of Western Mortgage Loan Company. Mr. Johnson holds a B.A. degree in International Relations from Brigham Young University and Master's degree in International Management and Finance from the American Graduate School of International Management (Thunderbird). From 1995 to 1998, Mr. Johnson was an instructor in Finance and Economics at the University of Phoenix.

Christie Q. Overbaugh has been Senior Vice President of Internal Operations of the Company since June 2006, and a Vice President of the Company from 1998 to June 2006.  Ms. Overbaugh has also served as Vice President of Underwriting for Security National Life Insurance Company since 1998.  From 1986 to 1991, she was Chief Underwriter for Investors Equity Life Insurance Company of Hawaii and Security National Life Insurance Company.  From 1990 to 1991, Ms. Overbaugh was President of the Utah Home Office Underwriters Association.  Ms. Overbaugh is currently a member of the Utah Home Office Underwriters Association and an Associate Member of LOMA (Life Office Management Association).

The Board of Directors of the Company has a written procedure, which requires disclosure to the board of any material interest or any affiliation on the part of any of its officers, directors or employees that is in conflict or may be in conflict with the Company's interests.

All directors of the Company hold office until the next Annual Meeting of Stockholders and until their successors have been elected and qualified.

Corporate Governance

Corporate Governance Guidelines. The Board of Directors has adopted the Security National Financial Corporation Corporate Governance Guidelines. These guidelines outline the functions of the board, director qualifications and responsibilities, and various processes and procedures designed to insure effective and responsive governance. The Board of Directors has also adopted a written committee charter for its Audit Committee and Compensation Committee. The guidelines and committee charters are reviewed from time to time in response to regulatory requirements and best practices and are revised accordingly. The full text of the guidelines and the committee charters are available on the Company's website at www.securitynational.com. A copy of the Corporate Governance Guidelines may also be obtained at no charge by written request to the attention of Jeffrey R. Stephens, Secretary, Security National Financial Corporation, 5300 South 360 West, Suite 250, Salt Lake City, Utah 84123.

Code of Business Conduct. All of the Company's officers, employees and directors are required to comply with the Company's Code of Business Conduct and Ethics to help insure that the Company's business is conducted in accordance with appropriate standards of ethical behavior. The Company's Code of Business Conduct and Ethics covers all areas of professional conduct, including customer relationships, conflicts of interest, insider trading, financial disclosures, intellectual property and confidential information, as well as requiring adherence to all laws and regulations applicable to the Company's business. Employees are required to report any violations or suspected violations of the Code. The Code includes an anti-retaliation statement. The full text of the Code of Business Conduct and Ethics is available on the Company's website at www.securitynational.com. A copy of the Code of Business Conduct and Ethics may also be obtained at no charge by written request to the attention of Jeffrey R. Stephens, Secretary, Security National Financial Corporation, 5300 South 360 West, Suite 250, Salt Lake City, Utah 84123.

106

Item 11.  Executive Compensation

The following table sets forth, for each of the last three fiscal years, the compensation received by the Company's Chief Executive Officer, the Company's Chief Financial Officer, and the Company's three other most highly compensated executive officers who were serving as executive officers at the end of 2016 (collectively, the "Named Executive Officers").

SUMMARY COMPENSATION TABLE

Name and
Principal Position
Year
 
Salary
($)
   
Bonus ($)
   
Options Awards
($)
   
Non-Equity
Incentive Plan
Compensation
($)
   
Change in
Pension Value
Non-qualified
Deferred
Compensation
Earnings (1)
($)
   
All Other
Compensation (2)
($)
   
Total
($)
 
Scott M. Quist
  Chairman of the Board,
  President and Chief
  Executive Officer
2016
 
$
463,572
   
$
173,000
     
--
     
--
     
--
   
$
41,521
   
$
678,093
 
2015
   
462,700
     
123,000
     
--
     
--
     
--
     
43,148
     
628,848
 
2014
   
429,400
     
21,200
     
--
     
--
     
--
     
40,066
     
490,666
 
                                                           
Garrett S. Sill
  Chief Financial
  Officer and Treasurer
2016
 
$
194,725
   
$
19,307
     
--
     
--
     
--
   
$
22,800
   
$
236,832
 
2015
   
182,844
     
13,707
     
--
     
--
     
--
     
16,453
     
213,004
 
2014
   
173,903
     
13,250
     
--
     
--
     
--
     
16,180
     
203,333
 
                                                           
Stephen C. Johnson
  Vice President of Mortgage
  Operations
2016
 
$
238,331
   
$
201,682
     
--
     
--
     
--
   
$
19,920
   
$
459,933
 
2015
   
197,750
     
117,299
     
--
     
--
     
--
     
25,676
     
340,725
 
2014
   
191,750
     
68,626
     
--
     
--
     
--
     
24,701
     
285,077
 
                                                           
S. Andrew Quist
  Vice President and Associate
  General Counsel
2016
 
$
192,292
   
$
9,625
     
--
     
--
     
--
   
$
23,953
   
$
225,870
 
2015
   
178,240
     
38,925
     
--
     
--
     
--
     
22,426
     
239,591
 
2014
   
166,388
     
54,325
     
--
     
--
     
--
     
21,771
     
242,484
 
                                                           
Jeffrey R. Stephens
  General Counsel and
  Corporate Secretary
2016
 
$
177,750
   
$
12,900
     
--
     
--
     
--
   
$
23,743
   
$
214,393
 
2015
   
171,792
     
12,600
     
--
     
--
     
--
     
22,089
     
206,481
 
2014
   
167,957
     
12,350
     
--
     
--
     
--
     
19,788
     
200,095
 
 
(1)
The amounts indicated under "Change in Pension Value and Non-qualified Deferred Compensation Earnings" consist of amounts contributed by the Company into a trust for the benefit of the Named Executive Officers under the Company's Deferred Compensation Plan. 
(2)
The amounts indicated under "All Other Compensation" consist of the following amounts paid by the Company for the benefit of the Named Executive Officers: 
 
a)
payments related to the operation of automobiles were for Scott M. Quist ($7,200 for each of the years 2016, 2015 and 2014); and Garrett S. Sill, Stephen C. Johnson, S. Andrew Quist, and Jeffrey R. Stephens ($-0- for each of the years 2016, 2015 and 2014). However, such payments do not include the furnishing of an automobile by the Company to Scott M. Quist, nor the payment of insurance and property taxes with respect to the automobiles operated by the such executive officers;
 
b)
group life insurance premiums paid by the Company to a group life insurance plan for Scott M. Quist, Stephen C. Johnson, Garrett S. Sill, S. Andrew Quist, and Jeffrey R. Stephens ($178 for 2016, $183 for 2015, and $191 for 2014);
 
c)
life insurance premiums paid by the Company for the benefit of Scott M. Quist ($12,390 for each of the years 2016, 2015 and 2014); and Garrett S. Sill, Stephen C. Johnson, S. Andrew Quist, and Jeffrey R. Stephens ($-0- for each of the years 2016, 2015 and 2014);
 
d)
medical insurance premiums paid by the Company to a medical insurance plan: Scott M. Quist ($10,902 for 2016, $9,792 for 2015, and $9,625 for 2014); Garrett S. Sill ($13,447 for 2016, $7,369 for 2015, and $7,243 for 2014); Stephen C. Johnson ($8,691 for 2016, $14,091 for 2015, and $13,850 for 2014); S. Andrew Quist ($15,688 for 2016, $14,091 for 2015, and $13,154 for 2014); and Jeffrey R. Stephens ($15,688 for 2016, $14,091 for 2015, and $11,725 for 2014);
 
e)
long term disability insurance paid by the Company to a provider of such insurance: Scott M. Quist ($251 for 2016, $2,983 for 2015 and $260 for 2014); and Garrett S. Sill, Stephen C. Johnson, S. Andrew Quist, and Jeffrey R. Stephens ($251 for 2016, $439 for 2015 and $260 for 2014);
 
f)
contributions to defined contribution plans paid by the Company: Scott M. Quist ($10,600 for 2016, 10,600 for 2015, and $10,400 for 2014); Garrett S. Sill ($8,561 for 2016, $7,862 for 2015, and $7,486 for 2014); Stephen C. Johnson ($10,600 for 2016, $10,600 for 2015, and $10,400 for 2014); S. Andrew Quist ($7,836 for 2016, $7,713 for 2015, and $7,470 for 2014); and Jeffrey R. Stephens ($7,626 for 2016, $7,376 for 2015, and $7,212 for 2014);
 
g)
contributions to health savings accounts paid by the Company: Scott M. Quist ($-0- for each of the years 2016, 2015 and 2014); Garrett S. Sill ($363 for 2016, $600 for 2015, and $1,000 for 2014); Stephen C. Johnson ($200 for 2016, $363 for 2015, and $-0- for 2014); S. Andrew Quist ($-0- for each of the years 2016, 2015 and 2014); and Jeffrey R. Stephens ($-0- for 2016, $-0- for 2015, and $400 for 2014)

107


SUPPLEMENTAL ALL OTHER COMPENSATION TABLE

The following table sets forth all other compensation provided the Named Executive Officers for fiscal years 2016, 2015 and 2014.

Name of Executive Officer
 Year  
Perks and
 Other
 Personal
 Benefits
   
Tax
Reimbursements
   
Discounted
Securities
Purchases
   
Payments/
Accruals on
Termination
Plans
   
Registrant Contributions to Defined Contribution
Plans
   
Insurance
Premiums
   
Dividends or
Earnings on
 Stock or
Option Awards
   
Other (1)
 
Scott M. Quist
 2016  
$
7,200
     
-
     
-
     
-
   
$
10,600
   
$
23,721
     
-
     
-
 
 2015    
7,200
     
-
     
-
     
-
     
10,600
     
25,348
     
-
     
-
 
 2014    
7,200
     
-
     
-
     
-
     
10,400
     
22,466
     
-
     
-
 
                                                                   
Garrett S. Sill
 2016  
$
-
     
-
     
-
     
-
   
$
8,561
   
$
14,239
     
-
     
-
 
 2015    
-
     
-
     
-
     
-
     
7,862
     
8,591
     
-
     
-
 
 2014    
-
     
-
     
-
     
-
     
7,486
     
8,694
     
-
     
-
 
                                                                   
Stephen C. Johnson
 2016  
$
-
     
-
     
-
     
-
   
$
10,600
   
$
9,320
     
-
     
-
 
 2015    
-
     
-
     
-
     
-
     
10,600
     
15,075
     
-
     
-
 
 2014    
-
     
-
     
-
     
-
     
10,400
     
14,302
     
-
     
-
 
                                                                   
S. Andrew Quist
 2016  
$
-
     
-
     
-
     
-
   
$
7,836
   
$
16,117
     
-
     
-
 
 2015    
-
     
-
     
-
     
-
     
7,713
     
14,713
     
-
     
-
 
 2014    
-
     
-
     
-
     
-
     
7,470
     
14,301
     
-
     
-
 
                                                                   
Jeffrey R. Stephens
 2016  
$
-
     
-
     
-
     
-
   
$
7,626
   
$
16,117
     
-
     
-
 
 2015    
-
     
-
     
-
     
-
     
7,376
     
14,713
     
-
     
-
 
 
 2014    
-
     
-
     
-
     
-
     
7,212
     
12,576
     
-
     
-
 
 
108

GRANTS OF PLAN-BASED AWARDS
 
· The following table sets forth certain information regarding options granted to the named Executive Officers during the fiscal year ended December 31, 2016.
 
 
Estimated Future Payouts Under Equity Incentive Plan Awards
   
All Other
 Awards: Number
of Securities
 Underlying
   
 Exercise or
 Base Price
 of Option
 Awards
   
 Closing
 Price on
Grant Date
   
Grant Date
 Fair Value
 of Stock
and Option
Awards
 
Name of Executive Officer
Grant Date
 
Threshold
($)
   
Target
($)
   
Maximum
($)
   
Options
(#)
   
($/Sh) (2)
   
($/Sh) (2)
   

($)
 
Scott M. Quist
12/2/16
   
--
     
--
     
--
     
84,000
 (1)  
$
7.35
   
$
6.70
   
$
104,160
 
                                                           
Garrett S. Sill
12/2/16
   
--
     
--
     
--
     
10,500
 (1)    
6.68
     
6.70
     
24,238
 
                                                           
Stephen C. Johnson
12/2/16
   
--
     
--
     
--
     
5,250
 (1)    
6.68
     
6.70
     
12,119
 
                                                           
S. Andrew Quist
12/2/16
   
--
     
--
     
--
     
21,000
 (1)    
6.68
     
6.70
     
48,475
 
                                                           
Jeffrey R. Stephens
12/2/16
   
--
     
--
     
--
     
5,250
 (1)    
6.68
     
6.70
     
12,119
 
_________________________

(1)
The stock options have been adjusted for the 5% annual stock dividend declared on December 2, 2016.
(2)
Prices have been adjusted for the effect of the 5% annual stock dividend declared on December 2, 2016.
109

OUTSTANDING EQUITY AWARDS

The following table sets forth information concerning outstanding equity awards held by Named Executive Officers at December 31, 2016.
 
Option Awards
 
Stock Awards
 
Name of Executive Officer
   
Option
Grant Date
 
Number of Securities Underlying Unexercised Options Exercisable (1)
(#)
         
Number of Securities Underlying Unexercised Options Unexercisable
(#)
         
Option Exercise Price (2)
($)
 
Option Expiration Date
 
Stock Award Grant
Date
   
Number of Shares or Units of Stock That Have Not Vested
(#)
   
Market Value of Shares or Units of Stock That Have Not Vested
($)
   
Equity Incentive Plan Awards: Number of Unearned Shares, Units or Other Rights That Have Not Vested
(#)
   
Equity Incentive Plan Awards: Market or Payout Value of Unearned Shares, Units or Other Rights That Have Not Vested
($)
 
Scott M. Quist
   4/13/12    
127,629
     
(3
)
   
--
         
$
1.31
 
04/13/17
   
--
     
--
     
--
     
--
     
--
 
   12/6/13    
60,775
     
(4
)
   
--
           
4.32
 
12/06/18
   
--
     
--
     
--
     
--
     
--
 
   7/2/14    
57,881
     
(5
)
   
--
           
4.05
 
07/02/19
   
--
     
--
     
--
     
--
     
--
 
   12/5/14    
115,763
     
(6
)
   
--
           
4.73
 
12/05/19
   
--
     
--
     
--
     
--
     
--
 
   12/4/15    
110,250
     
(7
)
   
--
           
6.67
 
12/04/20
   
--
     
--
     
--
     
--
     
--
 
   12/2/16    
--
             
84,000
     
(8
)(9)
   
7.35
 
12/02/21
   
--
     
--
     
--
     
--
     
--
 
                                                                                       
Garrett S. Sill
   12/6/13    
4,863
             
--
           
$
3.95
 
12/06/23
   
--
     
--
     
--
     
--
     
--
 
   7/2/14    
4,631
             
--
             
3.69
 
07/02/24
   
--
     
--
     
--
     
--
     
--
 
   12/5/14    
9,261
             
--
             
4.30
 
12/05/24
   
--
     
--
     
--
     
--
     
--
 
   12/4/15    
11,025
             
--
             
6.06
 
12/04/25
   
--
     
--
     
--
     
--
     
--
 
   12/2/16    
--
             
10,500
     
(9
)
   
6.68
 
12/02/26
   
--
     
--
     
--
     
--
     
--
 
                                                                                       
Stephen C. Johnson
   4/13/12    
3,829
             
--
           
$
1.21
 
04/13/22
   
--
     
--
     
--
     
--
     
--
 
  12/6/13    
3,647
             
--
             
3.95
 
12/06/23
   
--
     
--
     
--
     
--
     
--
 
  7/2/14    
3,473
             
--
             
3.69
 
07/02/24
   
--
     
--
     
--
     
--
     
--
 
  12/5/14    
6,946
             
--
             
4.30
 
12/05/24
   
--
     
--
     
--
     
--
     
--
 
   12/4/15    
11,025
             
--
             
6.06
 
12/04/25
   
--
     
--
     
--
     
--
     
--
 
   12/2/16    
--
             
5,250
     
(9
)
   
6.68
 
12/02/26
   
--
     
--
     
--
     
--
     
--
 
                                                                                       
S. Andrew Quist
   12/2/11    
20,102
             
--
           
$
0.96
 
12/02/21
   
--
     
--
     
--
     
--
     
--
 
   4/13/12    
19,145
             
--
             
1.21
 
04/13/22
   
--
     
--
     
--
     
--
     
--
 
   12/6/13    
12,155
             
--
             
3.95
 
12/06/23
   
--
     
--
     
--
     
--
     
--
 
   7/2/14    
11,576
             
--
             
3.69
 
07/02/24
   
--
     
--
     
--
     
--
     
--
 
   12/5/14    
23,153
             
--
             
4.30
 
12/05/24
   
--
     
--
     
--
     
--
     
--
 
   12/4/15    
22,050
             
--
             
6.06
 
12/04/25
   
--
     
--
     
--
     
--
     
--
 
   12/2/16    
--
             
21,000
     
(9
)
   
6.68
 
12/02/26
   
--
     
--
     
--
     
--
     
--
 
                                                                                       
Jeffrey R. Stephens
   4/13/12    
3,191
             
--
           
$
1.21
 
04/13/22
   
--
     
--
     
--
     
--
     
--
 
   12/6/13    
3,039
             
--
             
3.95
 
12/06/23
   
--
     
--
     
--
     
--
     
--
 
   7/2/14    
2,894
             
--
             
3.69
 
07/02/24
   
--
     
--
     
--
     
--
     
--
 
   12/5/14    
5,789
             
--
             
4.30
 
12/05/24
   
--
     
--
     
--
     
--
     
--
 
 
   12/4/15    
5,513
             
--
             
6.06
 
12/04/25
   
--
     
--
     
--
     
--
     
--
 
   12/2/16    
--
             
5,250
     
(9
)
   
6.68
 
12/02/26
   
--
     
--
     
--
     
--
     
--
 
 

(1)
Except for options granted to Scott M. Quist, which have a five year term, such grants have ten year terms. The vesting of any unvested shares is subject to the recipient's continuous employment. This reflects the equivalent of Class A common shares.
(2)
Exercise prices have been adjusted for the effect of annual stock dividends.
(3)
On April 13, 2012, Scott Quist was granted stock options to purchase 100,000 shares of Class A common stock at an exercise price of $1.31 per share or 100,000 shares of Class C common stock at an exercise price of $1.31 per share, or any combination thereof.
(4)
On December 6, 2013, Scott Quist was granted stock options to purchase 50,000 shares of Class A common stock at an exercise price of $4.32 per share or 50,000 shares of Class C common stock at an exercise price of $4.32 per share, or any combination thereof.
(5)
On July 2, 2014, Scott Quist was granted stock options to purchase 50,000 shares of Class A common stock at an exercise price of $4.05 per share or 50,000 shares of Class C common stock at an exercise price of $4.05 per share, or any combination thereof.
(6)
On December 5, 2014, Scott Quist was granted stock options to purchase 100,000 shares of Class A common stock at an exercise price of $4.30 per share or 100,000 shares of Class C common stock at an exercise price of $4.30 per share, or any combination thereof.
(7)
On December 4, 2015, Scott Quist was granted stock options to purchase 100,000 shares of Class A common stock at an exercise price of $6.67 per share or 100,000 shares of Class C common stock at an exercise price of $6.67 per share, or any combination thereof.
(8)
On December 2, 2016, Scott Quist was granted stock options to purchase 80,000 shares of Class A common stock at an exercise price of $6.68 per share or 80,000 shares of Class C common stock at an exercise price of $6.68 per share, or any combination thereof.
(9)
Stock options vest at the rate of 25% of the total number of shares subject to the options on March 2, 2017 and 25% of the total number of shares on the last day of each three month period thereafter.

110

OPTION AWARDS VESTING SCHEDULE

The following table sets forth the vesting schedule of unexercisable options reported in the "Number of Securities Underlying Unexercised Options – Unexercisable" column of the table above.

Grant Date
 
Vesting
12/02/11
 
These options vested 25% per quarter over a one year period after the grant date.
4/13/12
 
These options vested 25% per quarter over a one year period after the grant date.
12/06/13
 
These options vested 25% per quarter over a one year period after the grant date.
07/02/14
 
These options vested 25% per quarter over a one year period after the grant date.
12/05/14
 
These options vested 25% per quarter over a one year period after the grant date.
12/04/15
 
These options vested 25% per quarter over a one year period after the grant date.
12/02/16
 
These options vest 25% per quarter over a one year period after the grant date.


OPTION EXERCISES AND STOCK VESTED

The following table sets forth all stock options exercised and value received upon exercise, and all stock awards vested and value realized upon vesting, by the Named Executive Officers during the year ended December 31, 2016.

   
Option Awards
   
Stock Awards
 
   
Number of Shares Acquired on Exercise
   
Value Realized on Exercise
   
Number of Shares Acquired on Vesting
   
Value Realized on Vesting
 
Name of Executive Officer
   
(#)
 
 
($)
     
(#)
 
 
($)
 
Scott M. Quist
   
104,975
   
$
544,820
     
--
     
--
 
Garrett S. Sill
   
--
     
--
     
--
     
--
 
Stephen C. Johnson
   
--
     
--
     
--
     
--
 
S. Andrew Quist
   
--
     
--
     
--
     
--
 
Jeffrey R. Stephens
   
--
     
--
     
--
     
--
 

111


PENSION BENEFITS FOR FISCAL 2016

The following table sets forth the present value as of December 31, 2016 of the benefit of the Named Executive Officers under the defined benefit pension plan.

Name of
Executive Officer
Plan Name
 
Number of Years Credited Service
(#)
   
Present Value of Accumulated Benefit
($)
   
Payments During Last Fiscal Year
($)
 
Scott M. Quist
None
   
--
     
--
     
--
 
Garrett S. Sill
None
   
--
     
--
     
--
 
Stephen C. Johnson
None
   
--
     
--
     
--
 
S. Andrew Quist
None
   
--
     
--
     
--
 
Jeffrey R.Stephens
None
   
--
     
--
     
--
 


EQUITY COMPENSATION PLAN INFORMATION

The following table sets forth certain information as of December 31, 2016 with respect to compensation plans (including individual compensation arrangements) under which the Company's equity securities are authorized for issuance, aggregated as follows:

·
All compensation plans previously approved by security holders; and
·
All compensation plans not previously approved by security holders.

    A
 
  B
 
   C
 
Plan Category
 
Number of Securities to be Issued upon Exercise of Outstanding Options, Warrants and Rights
   
Weighted Average Exercise Price of Outstanding Options, Warrants and Rights
   
Number of Securities Remaining Available for Future Issuance under Equity Compensation Plans (Excluding Securities Reflected in Column A)
 
Equity compensation plans approved by stockholders[1]
   
1,298,271
   
$4.33[2}
     
253,432
[3] 
Equity compensation plans not approved by stockholders
   
0
     
-
     
0
 
 

[1] This reflects the the 2003 Stock Option Plan (the "2003 Plan"), the 2006 Director Stock Option Plan (the "2006 Director Plan"), the 2013 Stock Option Plan (the "2013 Plan") and the 2014 Director Stock Option Plan (the "2014 Director Plan").  The 2003 Plan was approved by stockholders at the annual stockholders meeting held on July 11, 2003, which reserved 500,000 shares of Class A common stock and 100,000 shares of Class C common stock for issuance thereunder.  The 2006 Director Plan was approved by stockholders at the annual stockholders meeting held on December 7, 2006, which reserved 100,000 shares of Class A common stock for issuance thereunder.  The 2013 Plan was approved by stockholders at the annual stockholders meeting held on July 12, 2013, which reserved 450,000 shares of Class A common stock of which 150,000 shares of Class A common stock could be issued in place of up to 150,000 shares of Class C common stock for issuance thereunder.  As a result of the stockholder approval of the 2013 Plan, the Company terminated the 2003 Plan. The 2014 Director Plan was approved by stockholders at the annual stockholders meeting held on July 2, 2014, which reserved 150,000 shares of Class A common stock for issuance thereunder. As a result of the stockholder approval of the 2014 Director Plan, the Company terminated the 2006 Director Plan.

[2] The weighted average exercise prices reflect solely the shares of Class A common stock that will be issued upon exercise of outstanding options.

[3] This number includes 177,438 shares of Class A common stock available for future issuance under the 2013 Plan, and 75,994 shares of Class A common stock available for future issuance under the 2014 Director Plan.

112

Retirement Plans

On December 8, 1988, the Company entered into a deferred compensation plan with George R. Quist, the former Chairman and Chief Executive Officer of the Company. The plan was later amended on three occasions with the third amendment effective February 1, 2001. Under the terms of the plan as amended, upon the retirement of Mr. Quist, the Company is required to pay him ten annual installments in the amount of $60,000. The $60,000 annual payments were adjusted for inflation in accordance with the United States Consumer Price Index each year.

The plan also provided that the Board of Directors may in its discretion pay the amounts due under the plan in a single, lump-sum payment. Mr. Quist passed away on September 6, 2012. Pursuant to the plan, a single, lump-sum payment of $598,426 was paid to his estate on December 31, 2015.

Employment Agreements

Employment Agreement with Scott M. Quist

On July 16, 2004, the Company entered into an employment agreement with Scott M. Quist, its Chairman of the Board, President and Chief Executive Officer. The agreement is effective as of December 4, 2003 and has a five-year term, but the Company agreed to renew the agreement on December 4, 2008 and 2013 for additional five-year terms, provided Mr. Quist performs his duties with usual and customary care and diligence. Under the terms of the agreement, Mr. Quist is to devote his full time to the Company serving as its Chairman of the Board, President, and Chief Executive Officer at not less than his current salary and benefits. The Company also agrees to maintain a group term life insurance policy of not less than $1,000,000 on Mr. Quist's life and a whole life insurance policy in the amount of $500,000 on Mr. Quist's life. In the event of disability, Mr. Quist's salary would be continued for up to five years at 75% of its current level.

In the event of a sale or merger of the Company and Mr. Quist is not retained in his current position, the Company would be obligated to continue paying Mr. Quist's current compensation and benefits for seven years following the merger or sale. The agreement further provides that Mr. Quist is entitled to receive annual retirement benefits beginning (i) one month from the date of his retirement (to commence no sooner than age 65), (ii) five years following complete disability, or (iii) upon termination of his employment without cause. These retirement benefits are to be paid for a period of twenty years in annual installments in the amount equal to 75% of his then current rate of compensation. However, in the event that Mr. Quist dies prior to receiving all retirement benefits thereunder, the remaining benefits are to be paid to his heirs. The Company expensed $511,443, $999,961 and $833,183 during the years ended December 31,  2016, 2015 and 2014, respectively, to cover the present value of anticipated retirement benefits under the employment agreement. The liability accrued was $3,776,368 and $3,264,925 as of December 31, 2016 and 2015, respectively.

Director Compensation

Directors of the Company (but not including directors who are employees) are currently paid a director's fee of $21,600 per year by the Company for their services and are reimbursed for their expenses in attending board and committee meetings. An additional fee of $750 is paid to each audit committee member for each audit committee meeting attended. Each director is provided with an annual grant of stock options to purchase 1,000 shares of Class A common stock, which occurred under the 2000 Director Stock Option Plan for years 2000 to 2005, under the 2006 Director Stock Option Plan and under the 2014 Director Plan for years 2006 to 2016. During 2016 and 2015 each director was granted additional stock options to purchase 5,000 shares and 5,000 shares, respectively, of Class A common stock.
113


DIRECTOR COMPENSATION

The following table sets forth the compensation of the Company's non-employee directors for fiscal 2016.
 
Name
 
Fees Earned
or Paid
in Cash
($)
   
Stock
Awards ($)
   
Option
Awards ($)
   
Non-Equity
 Incentive
 Plan
Compensation ($)
   
Change in
 Pension
Value and Nonqualified
Deferred Compensation Earnings
   
All Other Compensation ($)
   
Total
($)
 
John L. Cook (1)
 
$
21,600
     
--
   
$
14,647
     
--
     
--
     
--
   
$
36,247
 
Robert G. Hunter (2)
   
21,600
     
--
     
14,647
     
--
     
--
     
--
     
36,247
 
Gilbert A. Fuller (3)
   
23,850
     
--
     
14,647
     
--
     
--
     
--
     
38,497
 
H. Craig Moody (4)
   
23,850
     
--
     
14,647
     
--
     
--
     
--
     
38,497
 
Norman G. Wilbur (5)
   
23,850
     
--
     
14,647
     
--
     
--
     
--
     
38,497
 
 
(1)
Mr. Cook has options to purchase 26,964 shares of the Company's Class A common stock.
(2)
Dr. Hunter has options to purchase 74,794 shares of the Company's Class A common stock.
(3)
Mr. Fuller has options to purchase 28,241 shares of the Company's Class A common stock.
(4)
Mr. Moody has options to purchase 74,794 shares of the Company's Class A common stock.
(5)
Mr. Wilbur has options to purchase 25,091 shares of the Company's Class A common stock.

Employee 401(k) Retirement Savings Plan

In 1995, the Company's Board of Directors adopted a 401(k) Retirement Savings Plan. Under the terms of the 401(k) plan, effective as of January 1, 1995, the Company made discretionary employer matching contributions to its employees who choose to participate in the plan. The plan allowed the board to determine the amount of the contribution at the end of each year. During the period from January 1, 1995 to December 31, 2007 the Board had adopted a contribution formula specifying that such discretionary employer matching contributions would equal 50% of the participating employee's contribution to the plan to purchase the Company's stock up to a maximum discretionary employee contribution of 1/2 of 1% of participating employees' compensation, as defined by the plan.

All persons who have completed at least one year's service with the Company and satisfy other plan requirements are eligible to participate in the 401(k) plan. All Company matching contributions are invested in the Company's Class A common stock. Also, the Company may contribute at the discretion of the Company's Board of Directors an Employer Profit Sharing Contribution to the 401(k) plan. The Employer Profit Sharing Contribution is to be divided among three different classes of participants in the plan based upon the participant's title in the Company. All amounts contributed to the plan are deposited into a trust fund administered by an independent trustee.

Beginning January 1, 2008, the Company elected to be a "Safe Harbor" Plan for its matching 401(k) contributions. The Company will match 100% of up to 3% of an employee's total annual compensation and 50% of 4% to 5% of an employee's annual compensation. The match is in shares of the Company's Class A common stock. The Company's contribution for 2016, 2015 and 2014 was $1,429,962, $1,197,236 and $899,850 respectively, under the "Safe Harbor" plan.

Employee Stock Ownership Plan

Effective January 1, 1980, the Company adopted an employee stock ownership plan (the "ESOP Plan") for the benefit of career employees of the Company and its subsidiaries. The following is a description of the ESOP Plan, and is qualified in its entirety by the ESOP Plan, a copy of which is available for inspection at the Company's offices.

Under the ESOP Plan, the Company has discretionary power to make contributions on behalf of all eligible employees into a trust created under the ESOP Plan. Employees become eligible to participate in the ESOP Plan when they have attained the age of 19 and have completed one year of service (a twelve‑month period in which the Employee completes at least 1,040 hours of service). The Company's contributions under the ESOP Plan are allocated to eligible employees on the same ratio that each eligible employee's compensation bears to total compensation for all eligible employees during each year. To date, the ESOP Plan has approximately 298 participants and had $-0- contributions payable to the Plan in 2016. Benefits under the ESOP Plan vest as follows: 20% after the second year of eligible service by an employee, an additional 20% in the third, fourth, fifth and sixth years of eligible service by an employee.

Benefits under the ESOP Plan will be paid out in one lump sum or in installments in the event the employee becomes disabled, reaches the age of 65, or is terminated by the Company and demonstrates financial hardship. The ESOP Plan Committee, however, retains discretion to determine the final method of payment. Finally, the Company reserves the right to amend or terminate the ESOP Plan at any time. The trustees of the trust fund under the ESOP Plan are Scott M. Quist (Chairman), S. Andrew Quist, and Robert G. Hunter, who each serve as a director of the Company.
114

Deferred Compensation Plan

In 2001, the Company's Board of Directors adopted a Deferred Compensation Plan. Under the terms of the Deferred Compensation Plan, the Company will provide deferred compensation for a select group of management or highly compensated employees, within the meaning of Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974, as amended. The board has appointed a committee of the Company to be the plan administrator and to determine the employees who are eligible to participate in the plan. The employees who participate may elect to defer a portion of their compensation into the plan. The Company may contribute into the plan at the discretion of the Company's Board of Directors. The Company did not make any contributions for 2016, 2015 and 2014.

NON-QUALIFIED DEFERRED COMPENSATION

The following table sets forth contributions to the deferred compensation account of the Named Executive Officers in fiscal 2016 and the aggregate balance of deferred compensation of the Named Executive Officers at December 31, 2016.

   
Executive
   
Registrant
   
Aggregate
   
Aggregate
   
Aggregate
 
   
Contributions
   
Contributions
   
Earnings
   
Withdrawals
   
Balance
 
   
In Last FY
   
In Last FY
   
in last FY
   
Distributions
   
at last FYE
 
Name
 
($)
   
($)
   
($)
   
($)
   
($)
 
                               
Scott M. Quist
   
--
     
--
     
--
     
--
   
$
543,573
 
Garrett S. Sill
   
--
     
--
     
--
     
--
     
--
 
Stephen C. Johnson
   
--
     
--
     
--
     
--
     
--
 
S. Andrew Quist
   
--
     
--
     
--
     
--
     
--
 
Jeffrey R. Stephens
   
--
     
--
     
--
     
--
     
--
 

2006 Director Stock Option Plan

On December 7, 2006, the Company adopted the 2006 Director Stock Option Plan (the "2006 Director Plan") effective December 7, 2006. The 2006 Director Plan provides for the grant by the Company of options to purchase up to an aggregate of 100,000 shares of Class A common stock for issuance there under. The 2006 Director Plan provides that each member of the Company's Board of Directors who is not an employee or paid consultant of the Company is automatically eligible to receive options to purchase the Company's Class A common stock under the 2006 Director Plan.

Effective as of December 7, 2006, and on each anniversary date thereof during the term of the 2006 Director Plan, each outside director shall automatically receive an option to purchase 1,000 shares of Class A common stock. In addition, each new outside director who shall first join the Board after the effective date shall be granted an option to purchase 1,000 shares upon the date which such person first becomes an outside director and an annual grant of an option to purchase 1,000 shares on each anniversary date thereof during the term of the 2006 Director Plan. The options granted to outside directors shall vest in four equal quarterly installments over a one year period from the date of grant, until such shares are fully vested. The primary purposes of the 2006 Director Plan are to enhance the Company's ability to attract and retain well-qualified persons for service as directors and to provide incentives to such directors to continue their association with the Company.

In the event of a merger of the Company with or into another company, or a consolidation, acquisition of stock or assets or other change in control transaction involving the Company, each option becomes exercisable in full, unless such option is assumed by the successor corporation. In the event the transaction is not approved by a majority of the "Continuing Directors" (as defined in the 2006 Director Plan), each option becomes fully vested and exercisable in full immediately prior to the consummation of such transaction, whether or not assumed by the successor corporation.

115

Amended 2013 Stock Option Plan

On August 24, 2013, the Company adopted the Security National Financial Corporation 2013 Stock Option Plan (the "2013 Plan"), which reserved 450,000 shares of Class A common stock to be made available for issuance thereunder, of which up to 150,000 shares of Class C common stock could be issued in place of up to 150,000 shares of Class A common stock. The 2013 Plan provides for the grant of options and the award or sale of stock to officers, directors, and employees of the Company. Both "incentive stock options", as defined under Section 422A of the Internal Revenue Code of 1986 and "non-qualified options" may be granted under the 2013 Plan. On July 1, 2015, the stockholders approved an amendment to the 2013 Plan to authorize an additional 450,000 shares of Class A common stock under the Plan, of which up to 200,000 Class C common shares may be issued in place of up to 200,000 shares of Class A common stock.

The 2013 Plan is to be administered by the Board of Directors or by a committee designated by the Board. The terms of options granted or stock awards or sales affected under the 2013 Plan are to be determined by the Board of Directors or its committee. No options may be exercised for a term of more than ten years from the date of the grant. Options intended as incentive stock options may be issued only to employees, and must meet certain conditions imposed by the Internal Revenue Code, including a requirement that the option exercise price be no less than the fair market value of the option shares on the date of grant. The 2013 Plan provides that the exercise price for non-qualified options will not be less than at least 50% of the fair market value of the stock subject to such option as of the date of grant of such options, as determined by the Company's Board of Directors.

On December 4, 2015, the Board of Directors approved a resolution to amend the Company's 2013 Stock Option Plan to include additional equity incentive awards. These additional incentive awards in the amended plan consist of Stock Appreciation Rights (SARs), Restricted Stock Units (RSUs) and Performance Share Awards. Stock Appreciation Rights are awards that entitle the recipient to receive cash or stock equal to the excess of the Company's stock price on the date the SAR is exercised over the Company's stock price on the date the SAR was granted times the number of shares of stock with respect to which the SAR is exercised. Restricted Stock Units entitle the recipient to receive RSUs that require the Company on the distribution dates to transfer to the recipient one unrestricted, fully transferable share of stock for each RSU scheduled to be paid out on that date. Performance Share Awards entitle the recipient to receive stock based on the Company meeting certain performance goals.

The 2013 Plan has a term of ten years. The Board of Directors may amend or terminate the 2013 Plan at any time, from time to time, subject to approval of certain modifications to the 2013 Plan by the stockholders of the Company as may be required by law or the 2013 Plan.

2014 Director Stock Option Plan

On May 16, 2014, the Company adopted the 2014 Director Stock Option Plan (the "2014 Director Plan"). The 2014 Director Plan provides for the grant by the Company of options to purchase up to an aggregate of 150,000 shares of Class A common stock for issuance there under. The 2014 Director Plan provides that each member of the Company's Board of Directors who is not an employee or paid consultant of the Company is automatically eligible to receive options to purchase the Company's Class A common stock under the 2014 Director Plan.

On December 7, 2014, and on each anniversary date thereof during the term of the 2014 Director Plan, each outside director shall automatically receive an option to purchase 1,000 shares of Class A common stock. In addition, each new outside director who shall first join the Board after the effective date shall be granted an option to purchase 1,000 shares upon the date which such person first becomes an outside director and an annual grant of an option to purchase 1,000 shares on each anniversary date thereof during the term of the 2014 Director Plan. The options granted to outside directors shall vest in four equal quarterly installments over a one year period from the date of grant, until such shares are fully vested. The primary purposes of the 2014 Director Plan are to enhance the Company's ability to attract and retain well-qualified persons for service as directors and to provide incentives to such directors to continue their association with the Company.

In the event of a merger of the Company with or into another company, or a consolidation, acquisition of stock or assets or other change in control transaction involving the Company, each option becomes exercisable in full, unless such option is assumed by the successor corporation. In the event the transaction is not approved by a majority of the "Continuing Directors" (as defined in the 2014 Director Plan), each option becomes fully vested and exercisable in full immediately prior to the consummation of such transaction, whether or not assumed by the successor corporation.
116

Stock Purchase Plan

On September 11, 2015, the Board approved the Security National Financial Corporation Stock Purchase Plan for the mutual benefit of the Company and its stockholders. Under the terms of the Plan, the Company may, in its discretion, purchase shares of Class A common stock from its officers and directors who exercise the stock options granted to them under any of the Company's stock option plans with the proceeds from such purchase to be used to pay the taxes owed by such officers and directors as a result of the exercise of their stock options. Additionally, the officers and directors who exercise their stock options may, in their discretion, request that the Company purchase shares of their Class A common stock with the proceeds from such sale to be used to pay the taxes owed by such officers and directors as a result of the exercise of their stock options.

The Company is authorized under the plan to purchase no more than 60,000 shares of Class A common stock in any calendar year to pay the taxes owed by the officers and directors who exercise their stock options under the Stock Purchase Plan. The Company's purchase price for the Class A common stock under the Stock Purchase Plan shall be equal to the closing sales price of the Company's Class A common stock as reported by The Nasdaq National Market on the day that the applicable stock options are exercised by such officers and directors. The Company may only purchase shares of Class A common stock from the officers and directors exercising their stock options under the Stock Purchase Plan during the "Trading Window" as defined in the Company's Insider Trading Policy and Guidelines.

Compliance with Section 16(a) of the Securities Exchange Act of 1934

Section 16(a) of the Securities Exchange Act of 1934, as amended, requires the Company's executive officers, directors and persons who own more than 10% of a registered class of the Company's equity securities to file reports of ownership and periodic changes in ownership of the Company's common stock with the Securities and Exchange Commission. Such persons are also required to furnish the Company with copies of all Section 16(a) reports they file.

Based solely on its review of the copies of stock reports received by it with respect to fiscal 2016, or written representations from certain reporting persons, the Company believes that its directors, executive officers and greater than 10% beneficial owners complied with all Section 16(a) filing requirements applicable to them, except that each of the Company's officers and directors, through an oversight, filed one late Form 4 report disclosing the granting of stock options on December 2, 2016.
117

Item 12 - Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

The following table sets forth security ownership information of the Company's Class A and Class C common stock as of March 31, 2017, (i) for persons who own beneficially more than 5% of the Company's outstanding Class A or Class C common stock, (ii) each director of the Company, and (iii) for all executive officers, and directors of the Company as a group.

   
Class A
Common Stock
   
Class C
Common Stock
   
Class A and
Class C
Common Stock
 
                                     
   
Amount
   
Percent
   
Amount
   
Percent
   
Amount
   
Percent
 
   
Beneficially
   
of
   
Beneficially
   
of
   
Beneficially
   
of
 
Name and Address (1)
 
Owned
   
Class
   
Owned
   
Class
   
Owned
   
Class
 
                                   
George R. and Shirley C. Quist Family Partnership, Ltd. (2)
   
1,531,806
     
11.6
%
   
603,126
     
31.7
%
   
2,134,932
     
14.2
%
Scott M. Quist (3)(5)(6)(7)(8)
   
385,106
     
2.9
%
   
1,446,437
     
60.4
%
   
1,831,543
     
11.8
%
401(k) Retirement Savings Plan (4)
   
1,825,303
     
13.9
%
   
-
     
-
     
1,825,303
     
12.1
%
Jordan Capital Partners, L.P. (9)
   
1,216,899
     
9.2
%
   
-
     
-
     
1,216,899
     
8.1
%
Employee Stock Ownership Plan (ESOP) (10)
   
522,384
     
4.0
%
   
278,904
     
14.7
%
   
801,288
     
5.3
%
Non-Qualified Deferred Compensation Plan (11)
   
798,146
     
6.1
%
   
-
     
-
     
798,146
     
5.3
%
Christie Q. Overbaugh (12)
   
278,838
     
2.1
%
   
23,664
     
1.2
%
   
302,502
     
2.0
%
Jason G. Overbaugh (13)
   
230,441
     
1.7
%
   
-
     
-
     
230,441
     
1.5
%
Associated Investors (14)
   
74,883
     
*
     
117,739
     
6.2
%
   
192,622
     
1.3
%
Estate of George R. Quist
   
113,502
     
*
     
70,095
     
3.7
%
   
183,597
     
1.2
%
S. Andrew Quist (3)(15)
   
168,404
     
1.3
%
   
-
     
-
     
168,404
     
1.1
%
Jeffrey R. Stephens (16)
   
95,716
     
*
     
-
     
-
     
95,716
     
*
 
Garrett S. Sill (6)(7)(17)
   
83,023
     
*
     
-
     
-
     
83,023
     
*
 
Robert G. Hunter, M.D. (3)(18)
   
80,769
     
*
     
-
     
-
     
80,769
     
*
 
H. Craig Moody (19)
   
78,940
     
*
     
-
     
-
     
78,940
     
*
 
Stephen C. Johnson(20)
   
54,036
     
*
     
-
     
-
     
54,036
     
*
 
Gilbert A. Fuller (21)
   
24,123
     
*
     
-
     
-
     
24,123
     
*
 
John L. Cook (22)
   
22,238
     
*
     
-
     
-
     
22,238
     
*
 
Norman G. Wilbur (23)
   
22,150
     
*
     
-
     
-
     
22,150
     
*
 
All directors and executive officers (12 persons) (3)(5)(6)(7)             
   
1,523,784
     
11.1
%
   
1,470,101
     
61.4
%
   
2,993,885
     
18.6
%

* Less than 1%

(1)
Unless otherwise indicated, the address of each listed stockholder is c/o Security National Financial Corporation, 5300 South 360 West, Suite 250, Salt Lake City, Utah 84123.
(2)
This stock is owned by the George R. and Shirley C. Quist Family Partnership, Ltd., of which Scott M. Quist is the managing general partner and, accordingly, exercises sole voting and investment powers with respect to such shares.
(3)
Does not include 522,384 shares of Class A common stock and 278,904 shares of Class C common stock owned by the Company's Employee Stock Ownership Plan (ESOP), of which Scott M. Quist, S. Andrew Quist and Robert G. Hunter are the trustees and accordingly, exercise shared voting and investment powers with respect to such shares.
(4)
The investment committee of the Company's 401(k) retirement savings plan consists of Scott Quist and Garrett S. Sill and, accordingly, exercise shared voting and investment powers with respect to such shares.
(5)
Does not include 74,883 shares of Class A common stock and 117,739 shares of Class C common stock owned by Associated Investors, a Utah general partnership, of which Scott M. Quist is the managing partner and, accordingly, exercises sole voting and investment powers with respect to such shares.
(6)
Does not include 1,825,303 shares of Class A common stock owned by the Company's 401(k) Retirement Savings Plan, of which Scott M. Quist and Garrett S. Sill are members of the investment committee and, accordingly, exercise shared voting and investment powers with respect to such shares.
(7)
Does not include 798,146 shares of Class A common stock owned by the Company's Deferred Compensation Plan, of which Scott M. Quist and Garrett S. Sill are members of the investment committee and, accordingly, exercise shared voting and investment powers with respect to such shares.
(8)
Includes options to purchase 493,298 shares of Class C common stock granted to Scott M. Quist that are currently exercisable, or will become exercisable within 60 days of March 31, 2017.
(9)
Jordan Capital Partners, L.P. and its affiliates and subsidiaries have beneficial ownership of an aggregate of 1,216,899 shares of the Company's Class A common stock. Jordan Capital Partners, L.P. has sole power to vote 1,216,899 shares of the Company's Class A common stock and sole power to dispose of 1,216,899 shares of the Company's common stock. The address for Jordan Capital Partners, L.P. is 6001 River Road, Suite 100, Columbus, Georgia 31904.
(10)
The trustees of the Employee Stock Ownership Plan (ESOP) consist of Scott M. Quist, S. Andrew Quist and Robert G. Hunter who exercise shared voting and investment powers.
(11)
The investment committee of the Company's Non-Qualified Deferred Compensation Plan consists of Scott M. Quist and Garrett S. Sill and, accordingly, exercised shared voting and investment powers with respect to such shares.
(12)
Includes options to purchase 32,473 shares of Class A common stock granted to Ms. Overbaugh that are currently exercisable, or will become exercisable within 60 days of March 31, 2017.
(13)
Includes options to purchase 74,184 shares of Class A common stock granted to Mr. Overbaugh that are currently exercisable, or will become exercisable within 60 days of March 31, 2017.
(14)
The managing partner of Associated Investors is Scott M. Quist, who exercises sole voting and investment powers.
(15)
Includes options to purchase 113,431 shares of Class A common stock granted to Mr. Andrew Quist that are currently exercisable, or will become exercisable within 60 days of March 31, 2017.
(16)
Includes options to purchase 21,738 shares of Class A common stock granted to Mr. Stephens that are currently exercisable, or will become exercisable within 60 days of March 31, 2017.
(17)
Includes options to purchase 32,405 shares of Class A common stock granted to Mr. Sill that are currently exercisable, or will become exercisable within 60 days of March 31, 2017.
(18)
Includes options to purchase 70,068 shares of Class A common stock granted to Mr. Hunter that are currently exercisable, or will become exercisable within 60 days of March 31, 2017.
(19)
Includes options to purchase 70,068 shares of Class A common stock granted to Mr. Moody that are currently exercisable, or will become exercisable within 60 days of March 31, 2017.
(20)
Includes options to purchase 30,232 shares of Class A common stock granted to Mr. Johnson that are currently exercisable, or will become exercisable within 60 days of March 31, 2017.
(21)
Includes options to purchase 23,515 shares of Class A common stock granted to Mr. Fuller that are currently exercisable, or will become exercisable within 60 days of March 31, 2017.
(22)
Includes options to purchase 22,238 shares of Class A common stock granted to Mr. Cook that are currently exercisable, or will become exercisable within 60 days of March 31, 2017.
(23)
Includes options to purchase 20,365 shares of Class A common stock granted to Mr. Wilbur that are currently exercisable, or will become exercisable within 60 days of March 31, 2017.

The Company's executive officers and directors, as a group, own beneficially approximately 18.6% of the outstanding shares of the Company's Class A and Class C common stock. At the Annual Meeting of Stockholders that was held on July 2, 2014, the stockholders approved resolutions providing for a 1-for-10 reverse stock split of the Company's Class C common stock and for weighted voting of the Class C common stock. As a result, each share of Class C common stock has weighted voting of ten votes per share and may be converted into one share of Class A common stock.
118

Item 13. Certain Relationships and Related Transactions and Director Independence

The Company's Board of Directors has a written procedure, which requires disclosure to the Board of any material interest or any affiliation on the part of any of its officers, directors or employees that is in conflict or may be in conflict with the interests of the Company.

Item 14.  Principal Accounting Fees and Services

The following table summarizes the fees of the Company's current independent auditors, billed to the Company for each of the last two fiscal years for audit and other services. All of these fees were reviewed and approved by the Audit Committee of the Board of Directors:
 
Fee Category
 
2016
   
2015
 
Audit Fees (1)
 
$
345,583
   
$
333,531
 
Audit-Related Fees (2)
   
41,200
     
34,000
 
Tax Fees (3)
   
79,622
     
78,933
 
All Other Fees (4)
   
-
     
-
 
   
$
466,405
   
$
446,464
 

 
(1)
Audit fees consist of aggregate fees billed for professional services rendered for the audit of the Company's annual financial statements and review of the interim financial statements included in quarterly reports or services that are normally provided by the independent auditor in connection with statutory and regulatory filings for the years ended December 31, 2016 and 2015.
   
(2)
Audit related fees consist of aggregate fees billed for assurance and related services that are reasonably related to the performance of the audit or review of the Company's financial statements and are not reported under "Audit Fees". These fees include review of registration statements, and audits of the Company's ESOP and 401(k) Plans.
   
(3)
Tax fees consist of aggregate fees billed for professional services for tax compliance, tax advice, and tax planning.
   
(4)
All other fees consist of aggregate fees billed for products and services by the independent auditors, other than those disclosed above.

PART IV

Item 15.  Exhibits, Financial Statement Schedules

(a)(1) Financial Statements

See "Index to Consolidated Financial Statements" under Item 8 above.

(a)(2) Financial Statement Schedules

II. Condensed Balance Sheets as of December 31, 2016 and 2015 and Condensed
Statement of Earnings and Cash Flows for the years ended 2016, 2015 and 2014

IV. Reinsurance

V. Valuation and Qualifying Accounts

All other schedules to the consolidated financial statements required by Article 7 of Regulation S‑X are not required under the related instructions or are inapplicable and therefore have been omitted.

119

(a)(3) Exhibits

The following Exhibits are filed herewith pursuant to Rule 601 of Regulation S‑K or are incorporated by reference to previous filings.

3.1
Articles of Amendment to Articles of Incorporation (14)
3.2
Amended Bylaws (4)
4.1
Specimen Class A Stock Certificate (1)
4.2
Specimen Class C Stock Certificate (1)
4.3
Specimen Preferred Stock Certificate and Certificate of Designation of Preferred Stock (1)
10.1
Amended Employee Stock Ownership Plan (ESOP) and Trust Agreement (1)
10.2
2003 Stock Option Plan (3)
10.3
2006 Director Stock Option Plan (6)
10.4
2013 Amended Stock Option and Other Equity Incentive Awards Plan (12)
10.5
2014 Director Stock Option Plan (9)
10.6
Deferred Compensation Plan (2)
10.7
Employment agreement with Scott M. Quist (11)
10.8
Indemnification Agreement among SecurityNational Mortgage Company, Lehman Brothers Bank, and Aurora Loan Services (6)
10.9
Agreement and Plan of Reorganization among Security National Financial Corporation and certain subsidiaries (7)
10.10
Purchase Agreement among Security National Financial Corporation, SNFC Subsidiary, LLC, American Funeral Financial, LLC, and Hypershop, LLC (8)
10.11
Stock Purchase Agreement among Security National Financial Corporation, Christi Babb and Jack Madden, Jr. to purchase First Guaranty Insurance Company (13)
21
Subsidiaries of the Registrant
23.1
Consent of Eide Bailly LLP (10)
23.2
Consent of Mackey Price & Mecham (10)
31.1
Certification pursuant to 18 U.S.C. Section 1350, as enacted by Section 302 of the Sarbanes-Oxley Act of 2002
31.2
Certification pursuant to 18 U.S.C. Section 1350, as enacted by Section 302 of the Sarbanes-Oxley Act of 2002
32.1
Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
32.2
Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
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120


(1)
Incorporated by reference from Registration Statement on Form S‑1, as filed on September 29, 1987
(2)
Incorporated by reference from Annual Report on Form 10-K, as filed on April 3, 2002
(3)
Incorporated by reference from Schedule 14A Definitive Proxy Statement, as filed on September 5, 2003, relating to the Company's Annual Meeting of Stockholders
(4)
Incorporated by reference from Report on Form 10-Q, as filed on November 14, 2003
(5)
Incorporated by reference from Schedule 14A Definitive Proxy Statement, as filed on September 1, 2007, relating to the Company's Annual Meeting of Stockholders
(6)
Incorporated by reference from Report on Form 10-K, as filed on September 30, 2009
(7)
Incorporated by reference from Report on Form 10-Q, as filed on November 13, 2013
(8)
Incorporated by reference from Report on Form 8-K, as filed on September 13, 2014
(9)
Incorporated by reference from Schedule 14A Definitive Proxy Statement, as filed on September 2, 2014, related to Company's Annual Meeting of Stockholders
(10)
Incorporated by reference from Registration Statement on Form S-8, as filed on October 20, 2015
(11)
Incorporated by reference from Report on Form 10-Q, as filed on November 13, 2015
(12)
Incorporated by reference from Report on Form 10-Q, as filed on August 15, 2016
(13)
Incorporated by reference from Report on Form 8-K, as filed on July 19, 2016
(14) Incorporated by reference from Report on Form 10-K, as filed on March 31, 2017

121

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.

SECURITY NATIONAL FINANCIAL CORPORATION
 
Dated: August 25, 2017
By:
/s/ Scott M. Quist
   
Scott M. Quist
   
Chairman of the Board, President and Chief Executive Officer

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

 SIGNATURE
TITLE
DATE
     
/s/ Scott M. Quist
Chairman of the Board, President
 
Scott M. Quist
and Chief Executive Officer
 
 
(Principal Executive Officer)
August 25, 2017
     
/s/ Garrett S. Sill
 Chief Financial Officer and
 
Garrett S. Sill
Treasurer (Principal Financial
 
 
and Accounting Officer)
August 25, 2017
     
/s/ Jason G. Overbaugh
Vice President and Director
August 25, 2017
Jason G. Overbaugh
   
     
/s/ S. Andrew Quist
Vice President and Director
August 25, 2017
S. Andrew Quist
   
     
/s/ John L. Cook
Director
August 25, 2017
John L. Cook
   
     
/s/ Gilbert A. Fuller
Director
August 25, 2017
Gilbert A. Fuller
   
     
/s/ Robert G. Hunter
Director
August 25, 2017
Robert G. Hunter
   
     
/s/ H. Craig Moody
Director
August 25, 2017
H. Craig Moody
   
     
/s/ Norman G. Wilbur
Director
August 25, 2017
Norman G. Wilbur
   

122

Schedule II

SECURITY NATIONAL FINANCIAL CORPORATION
(Parent Company Only)
Condensed Financial Information

Condensed Balance Sheets

   
December 31
 
   
2016
(As Restated)
   
2015
(As Restated)
 
Assets
           
             
Mortgage loans on real estate
 
$
2,300,000
   
$
-
 
Cash
   
1,252,653
     
2,054,192
 
Investment in subsidiaries (equity method)
   
140,864,706
     
126,918,934
 
Receivable from affiliates
   
13,028,057
     
11,088,597
 
Restricted assets
   
2,612,672
     
-
 
Property and equipment, at cost, net of accumulated depreciation of $1,663,396 for 2016 and $1,663,396 for 2015
   
-
     
-
 
Other assets
   
2,803
     
2,803
 
Total assets
 
$
160,060,891
   
$
140,064,526
 


See accompanying notes to condensed financial statements.
123

Schedule II (Continued)

SECURITY NATIONAL FINANCIAL CORPORATION
(Parent Company Only)
Condensed Financial Information

Condensed Balance Sheets (Continued)

   
December 31
 
   
2016
(As Restated)
   
2015
(As Restated)
 
Liabilities and Stockholders' Equity Liabilities
           
Bank and other loans payable:
           
Current installments
 
$
1,625,974
   
$
969,755
 
Long-term
   
2,372,690
     
1,093,718
 
Advances from affiliated companies
   
9,074,311
     
9,069,338
 
Other liabilities and accrued expenses
   
672,638
     
976,394
 
Income taxes
   
13,756,147
     
10,238,642
 
Total liabilities
   
27,501,760
     
22,347,847
 
                 
Stockholders' Equity
               
Preferred stock - non-voting - $1.00 par value; 5,000,000 shares authorized; none issued or outstanding
   
-
     
-
 
Class A common stock $2.00 par value; 20,000,000 shares authorized; issued 13,819,006 shares in 2016 and 13,109,100 shares in 2015
   
27,638,012
     
26,218,200
 
Class B non-voting common stock-$1.00 par value; 5,000,000 shares authorized; none issued or outstanding
   
-
     
-
 
Class C convertible common stock, $2.00 par value; 3,000,000 shares authorized; issued 1,902,229 shares in 2016 and 1,709,640 shares in 2015
   
3,804,458
     
3,419,280
 
                 
Additional paid-in capital
   
34,813,246
     
30,232,582
 
Accumulated other comprehensive income, net of taxes
   
264,822
     
(499,358
)
Retained Earnings
   
67,409,204
     
60,525,404
 
Treasury stock at cost - 704,122 Class A shares and -0- Class C shares in 2016; 930,546 Class A shares and -0- Class C shares in 2015, held by affiliated companies
   
(1,370,611
)
   
(2,179,429
)
Total stockholders' equity
   
132,559,131
     
117,716,679
 
Total Liabilities and Stockholders' Equity
 
$
160,060,891
   
$
140,064,526
 

See accompanying notes to condensed financial statements.
124

Schedule II (Continued)

SECURITY NATIONAL FINANCIAL CORPORATION
(Parent Company Only)
Condensed Financial Information

Condensed Statements of Earnings

   
Year Ended December 31
 
   
2016
(As Restated)
   
2015
(As Restated)
   
2014
(As Restated)
 
Revenue
                 
Net investment income
 
$
9,059
   
$
86,829
   
$
91,748
 
Fees from affiliates
   
1,119,272
     
976,146
     
1,009,552
 
Other Income
   
23,464
     
-
     
-
 
Total revenue
   
1,151,795
     
1,062,975
     
1,101,300
 
                         
Benefits and Expenses:
                       
General and administrative expenses
   
616,356
     
673,491
     
728,929
 
Interest expense
   
78,950
     
105,614
     
173,362
 
Total benefits and expenses
   
695,306
     
779,105
     
902,291
 
                         
Earnings before income taxes,
   and earnings of subsidiaries
                       
   
456,489
     
283,870
     
199,009
 
Income tax expense
   
(3,658,312
)
   
(3,275,782
)
   
(3,888,770
)
Equity in earnings of subsidiaries
   
15,390,450
     
16,343,353
     
11,906,593
 
                         
Net earnings
 
$
12,188,627
   
$
13,351,441
   
$
8,216,832
 

See accompanying notes to condensed financial statements.
125

Schedule II (Continued)

SECURITY NATIONAL FINANCIAL CORPORATION
(Parent Company Only)
Condensed Financial Information

Condensed Statements of Cash Flow

   
Year Ended December 31
 
   
2016
(As Restated)
   
2015
(As Restated)
   
2014
(As Restated)
 
Cash flows from operating activities:
                 
Net earnings
 
$
12,188,627
   
$
13,351,441
   
$
8,216,832
 
Adjustments to reconcile net earnings to net cash provided by operating activities:
                       
Depreciation
   
-
     
-
     
309
 
Undistributed earnings of affiliates
   
15,390,450
     
16,343,353
     
11,906,593
 
Provision for deferred and other income taxes
   
3,517,505
     
3,275,260
     
5,186,793
 
Stock based compensation expense
   
343,577
     
387,608
     
391,220
 
Benefit plans funded with treasury stock
   
1,429,962
     
1,197,236
     
899,850
 
Change in assets and liabilities:
                       
Other assets
   
-
     
(1
)
   
13,296
 
Other liabilities
   
(303,756
)
   
(94,068
)
   
(199,052
)
                         
Net cash provided by operating activities
   
32,566,365
     
34,460,829
     
26,415,841
 
     
-
     
-
     
-
 
Cash flows from investing activities:
                       
Purchases of restricted assets
   
(2,612,672
)
   
-
     
-
 
Investment in subsidiaries
   
(28,572,042
)
   
(30,988,389
)
   
(23,332,723
)
Mortgage loans made
   
(2,300,000
)
   
-
     
-
 
Cash paid for purchase of subsidiaries, net of cash acquired
   
-
     
-
     
(3,000,000
)
                         
Net cash used in investing activities
   
(33,484,714
)
   
(30,988,389
)
   
(26,332,723
)
                         
Cash flows from financing activities:
                       
Advances from (to) affiliates
   
(1,934,487
)
   
259,513
     
(1,919,022
)
Purchase of treasury stock
   
-
     
(181,539
)
   
-
 
Proceeds from stock options exercised
   
116,106
     
33,677
     
74,024
 
Repayment of bank and other loans payable
   
(969,163
)
   
(1,394,376
)
   
(1,812,964
)
Proceeds from bank borrowings
   
2,904,354
     
-
     
-
 
                         
Net cash provided by (used in) financing activities
   
116,810
     
(1,282,725
)
   
(3,657,962
)
                         
Net change in cash
   
(801,539
)
   
2,189,715
     
(3,574,844
)
Cash at beginning of year
   
2,054,192
     
(135,523
)
   
3,439,321
 
Cash at end of year
 
$
1,252,653
   
$
2,054,192
   
$
(135,523
)

See accompanying notes to condensed financial statements.
126

Schedule II (Continued)

SECURITY NATIONAL FINANCIAL CORPORATION
(Parent Company Only)
Condensed Financial Information

Notes to Condensed Financial Statements

1)  Bank and Other Loans Payable

   
December 31
 
   
2016
   
2015
 
             
4.27% note payable in monthly installments of $53,881 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due November 2021.
 
$
2,904,354
   
$
-
 
3.85% note payable in monthly installments of $86,059 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due January 2018.
   
1,093,349
     
2,062,512
 
Other notes payable
   
961
     
961
 
Total bank and other loans
   
3,998,664
     
2,063,473
 
Less current installments
   
1,625,974
     
969,755
 
Bank and other loans, excluding current installments
 
$
2,372,690
   
$
1,093,718
 

The Company has a $2,000,000 revolving line-of-credit with a bank with interest payable at the prime rate minus .75% (3.00% at December 31, 2016), secured by the capital stock of Security National Life and maturing September 30, 2017, renewable annually. At December 31, 2016, the Company was contingently liable under a standby letter of credit aggregating $560,350, to be used as collateral to cover any contingency related to additional risk assessments pertaining to the Company's captive insurance program and under a standby letter of credit aggregating $48,220 issued as a security deposit to guarantee payment of final bills for electric and gas utility services for a commercial real estate property owned by the Company in Wichita, Kansas. The Company does not expect any material losses to result from the issuance of the standby letter of credit because claims are not expected to exceed premiums paid. As of December 31, 2016, there were no amounts outstanding under the revolving line-of-credit.

The following tabulation shows the combined maturities of bank and other loans payable:

2017
 
$
1,625,974
 
2018
   
554,785
 
2019
   
579,286
 
2020
   
604,729
 
2021
   
633,890
 
Thereafter
   
-
 
Total
 
$
3,998,664
 

2)   Advances from Affiliated Companies

   
December 31
 
   
2015
   
2015
 
Non-interest bearing advances from affiliates:
           
Cemetery and Mortuary subsidiary
 
$
1,459,841
   
$
1,459,841
 
Life insurance subsidiaries
   
7,614,470
     
7,609,497
 
   
$
9,074,311
   
$
9,069,338
 

3)   Dividends and Capital Contributions

In 2016, 2015 and 2014, SecurityNational Mortgage Company, a wholly owned subsidiary of the Registrant, paid to the registrant cash dividends of $2,208,859, $1,698,317, and $480,461, respectively.
127


Schedule IV

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES

Reinsurance
 
                           
Percentage
 
         
Ceded to
   
Assumed
         
of Amount
 
   
Direct
   
Other
   
from Other
   
Net
   
Assumed
 
   
Amount
   
Companies
   
Companies
   
Amount
   
to Net
 
2016
                             
Life Insurance in force ($000)
 
$
1,562,335
   
$
60,972
   
$
109,746
   
$
1,611,109
     
6.8
%
                                         
Premiums:
                                       
Life Insurance
 
$
64,002,795
   
$
600,412
   
$
985,555
   
$
64,387,938
     
1.5
%
Accident and Health Insurance
   
113,063
     
-
     
16
     
113,079
     
0.0
%
Total premiums
 
$
64,115,858
   
$
600,412
   
$
985,571
   
$
64,501,017
     
1.5
%
                                         
2015
                                       
Life Insurance in force ($000)
 
$
1,393,868
   
$
61,655
   
$
1,468,935
   
$
2,801,148
     
52.4
%
                                         
Premiums:
                                       
Life Insurance
 
$
54,978,702
   
$
798,483
   
$
2,110,480
   
$
56,290,699
     
3.7
%
Accident and Health Insurance
   
119,153
     
-
     
11
     
119,164
     
0.0
%
Total premiums
 
$
55,097,855
   
$
798,483
   
$
2,110,491
   
$
56,409,863
     
3.7
%
                                         
2014
                                       
Life Insurance in force ($000)
 
$
1,301,156
   
$
63,457
   
$
1,462,340
   
$
2,700,039
     
54.2
%
                                         
Premiums:
                                       
Life Insurance
 
$
51,938,012
   
$
855,266
   
$
1,792,910
   
$
52,875,656
     
3.4
%
Accident and Health Insurance
   
133,002
     
-
     
21
     
133,023
     
0.0
%
Total premiums
 
$
52,071,014
   
$
855,266
   
$
1,792,931
   
$
53,008,679
     
3.4
%

128


Schedule V

SECURITY NATIONAL FINANCIAL CORPORATION
AND SUBSIDIARIES

Valuation and Qualifying Accounts

         
Additions
   
Deductions
       
   
Balance at
   
Charged to
   
Disposals
   
Balance
 
   
Beginning
   
Costs and
   
and
   
at End of
 
   
of Year
   
Expenses
   
Write-offs
   
Year
 
For the Year Ended December 31, 2016
                       
Accumulated depreciation on real estate
 
$
12,210,346
   
$
4,873,478
   
$
(945,385
)
 
$
16,138,439
 
                               
Allowance for losses on mortgage loans on real estate and construction loans held for investment
   
1,848,120
     
320,798
     
(420,135
)
   
1,748,783
 
                               
Accumulated depreciation on property and equipment
   
18,298,397
     
2,182,724
     
(568,457
)
   
19,912,664
 
                               
Allowance for doubtful accounts on receivables
   
1,700,696
     
920,354
     
(265,568
)
   
2,355,482
 
                               
Allowance for doubtful accounts on collateral loans
   
906,616
     
610,656
     
(397,642
)
   
1,119,630
 
                                 
For the Year Ended December 31, 2015
                               
Accumulated depreciation on real estate
 
$
10,875,419
   
$
2,840,489
   
$
(1,505,562
)
 
$
12,210,346
 
                               
Allowance for losses on mortgage loans on real estate and construction loans held for investment
   
2,003,055
     
(30,993
)
   
(123,942
)
   
1,848,120
 
                               
Accumulated depreciation on property and equipment
   
16,419,343
     
2,183,496
     
(304,442
)
   
18,298,397
 
                               
Allowance for doubtful accounts on receivables
   
1,280,859
     
673,743
     
(253,906
)
   
1,700,696
 
                               
Allowance for doubtful accounts on collateral loans
   
693,413
     
545,372
     
(332,169
)
   
906,616
 
                                 
For the Year Ended December 31, 2014
                               
Accumulated depreciation on real estate
 
$
9,658,599
   
$
2,009,521
   
$
(792,701
)
 
$
10,875,419
 
                               
Allowance for losses on mortgage loans on real estate and construction loans held for investment
   
1,652,090
     
389,409
     
(38,444
)
   
2,003,055
 
                               
Accumulated depreciation on property and equipment
   
15,260,635
     
2,177,165
     
(1,018,457
)
   
16,419,343
 
                               
Allowance for doubtful accounts on receivables
   
1,248,633
     
403,146
     
(370,920
)
   
1,280,859
 
                               
Allowance for doubtful accounts on collateral loans
   
269,175
     
524,192
     
(99,954
)
   
693,413
 
 

 
129

EX-21 2 exh21.htm SUBSIDIARIES OF THE REGISTRANT
EXHIBIT 21

Subsidiaries of Security National
Financial Corporation
as of March 31, 2017

SecurityNational Mortgage Company
Security National Life Insurance Company
Southern Security Life Insurance Company, Inc.
Trans-Western Life Insurance Company
Memorial Insurance Company of America
Reppond Holding Company
First Guaranty Insurance Company
C & J Financial, LLC
SNFC Subsidiary, LLC
American Funeral Financial, LLC
FFC Acquisition Co., LLC dba Funeral Funding Center
Mortician's Choice, LLC
Canadian Funeral Financial, LLC
Insuradyne Corporation
EverLEND Mortgage Company
Marketing Source Center, Inc. dba Security National Travel Services
California Memorial Estates, Inc.
Cottonwood Mortuary, Inc.
Deseret Memorial, Inc.
Greer-Wilson Funeral Home, Inc.
Holladay Cottonwood Memorial Foundation
Holladay Memorial Park, Inc.
Memorial Estates, Inc.
SN Midway, LLC
SN Mapleton, LLC
Memorial Mortuary, Inc.
Paradise Chapel Funeral Home
Dry Creek Property Development, Inc.
New York Land Holdings, Inc.
Security National Funding Company
Select Appraisal Management, Inc.
Security National Real Estate Services, Inc.
5300 Development LLC

 

EX-31.1 3 exh31_1.htm CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ENACTED BY SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
Exhibit 31.1
 
CERTIFICATION OF CHIEF EXECUTIVE OFFICER
PURSUANT TO 18 U.S.C. § 1350,
AS REQUIRED BY
SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Scott M. Quist, certify that:

1. I have reviewed this annual report on Form 10-K/A of Security National Financial Corporation.

2. Based on my knowledge, this annual 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 annual report;

3. Based on my knowledge, the financial statements, and other financial information included in this annual 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 annual report;

4. The registrant's other certifying officers 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 covered 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(s) 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 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: August 25, 2017

By:
/s/ Scott M. Quist
 
Scott M. Quist
 
Chairman of the Board, President and
 
Chief Executive Officer
 
(Principal Executive Officer)
 
 
 

EX-31.2 4 exh31_2.htm CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ENACTED BY SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
Exhibit 31.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER
PURSUANT TO 18 U.S.C. § 1350,
AS REQUIRED BY
SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Garrett S. Sill, certify that:

1. I have reviewed this annual report on Form 10-K/A of Security National Financial Corporation.

2. Based on my knowledge, this annual 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 annual report;

3. Based on my knowledge, the financial statements, and other financial information included in this annual 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 annual report;

4. The registrant's other certifying officers 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 covered 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(s) and I have disclosed, based on our most recent evaluation of internal financial reporting, to the registrant's auditors and the audit committee of 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: August 25, 2017

 By:
/s/ Garrett S. Sill
 
Garrett S. Sill
 
Chief Financial Officer and Treasurer
 
(Principal Financial Officer)
 
 

EX-32.1 5 exh32_1.htm CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
Exhibit 32.1
 
CERTIFICATION OF CHIEF EXECUTIVE OFFICER
PURSUANT TO 18 U.S.C. § 1350,
AS REQUIRED BY
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of Security National Financial Corporation (the "Company") on Form 10-K/A for the period ending December 31, 2016, as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Scott M. Quist, Chairman of the Board, President and Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. §1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to the best of my knowledge and belief:

(1)
the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2)
the information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of the Company.

By:
/s/ Scott M. Quist
 
Scott M. Quist
 
Chairman of the Board, President
 
and Chief Executive Officer
 
(Principal Executive Officer)

August 25, 2017



EX-31.2 6 exh32_2.htm CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
Exhibit 32.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER
PURSUANT TO 18 U.S.C. § 1350,
AS REQUIRED BY
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of Security National Financial Corporation (the "Company") on Form 10-K/A for the period ending December 31, 2016, as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Garrett S. Sill, Vice President, Treasurer and Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. §1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to the best of my knowledge and belief:

(1)
the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2)
the information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of the Company.

By:
/s/ Garrett S. Sill
 
Garrett S. Sill
 
Chief Financial Officer and Treasurer
 
(Principal Financial Officer)

August 25, 2017
 
 

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The life insurance segment is engaged in the business of selling and servicing selected lines of life insurance, annuity products and accident and health insurance marketed primarily in the intermountain west, California and eleven southern states. The cemetery and mortuary segment of the Company consists of eight mortuaries and five cemeteries in Utah and one cemetery in California. The mortgage segment is an approved government and conventional lender that originates and underwrites residential and commercial loans for new construction, existing homes and real estate projects primarily in Florida, Nevada, Texas, and Utah.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Basis of Presentation</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The accompanying consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP). The presentation of certain amounts in prior years has been reclassified to conform to the 2016 presentation.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Principles of Consolidation</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>These consolidated financial statements include the financial statements of the Company and its majority owned subsidiaries. All intercompany transactions and accounts have been eliminated in consolidation.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Use of Estimates</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Management of the Company has made a number of estimates and assumptions related to the reported amounts of assets and liabilities, reported amounts of revenues and expenses, and the disclosure of contingent assets and liabilities to prepare these financial statements in conformity with generally accepted accounting principles. Actual results could differ from those estimates. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Material estimates that are particularly susceptible to significant changes in the near term are those used in determining the value of derivative assets and liabilities, those used in determining deferred acquisition costs and the value of business acquired, those used in determining the value of mortgage loans foreclosed to real estate held for investment, those used in determining the liability for future policy benefits and unearned revenue, those used in determining the estimated future costs for pre-need sales, those used in determining the value of mortgage servicing rights, those used in determining allowances for loan losses for mortgage loans on real estate, those used in determining loan loss reserve, and those used in determining deferred tax assets and liabilities. Although some variability is inherent in these estimates, management believes the amounts provided are fairly stated in all material respects. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Investments</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company&#146;s management determines the appropriate classifications of investments in fixed maturity securities and equity securities at the acquisition date and re-evaluates the classifications at each balance sheet date.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Fixed maturity securities held to maturity</font></u><font style='letter-spacing:-.1pt'> are carried at cost, adjusted for amortization of premium or accretion of discount. Although the Company has the ability and intent to hold these investments to maturity, infrequent and unusual conditions could occur under which it would sell certain of these securities. Those conditions include unforeseen changes in asset quality, significant changes in tax laws, and changes in regulatory capital requirements or permissible investments.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Equity securities available for sale</font></u><font style='letter-spacing:-.1pt'> are carried at estimated fair value. Changes in fair values net of income taxes are reported as unrealized appreciation or depreciation and recorded as an adjustment directly to stockholders&#146; equity and, accordingly, have no effect on net income.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Mortgage loans on real estate and construction loans held for investment</font></u><font style='letter-spacing:-.1pt'> are </font>carried at their unpaid principal balances adjusted for charge-offs and the related allowance for loan losses. The Company defers related material loan origination fees, net of related direct loan origination costs, and amortizes the net fees over the term of the loans. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Mortgage loans are collateral dependent and require an appraisal at the time of underwriting and funding.&#160; Generally, the Company will fund a loan not to exceed 80% of the loan&#146;s collateral fair market value.&#160; Amounts over 80% will require additional collateral or mortgage insurance by an approved third party insurer.&#160; Once a loan is deemed to be impaired the Company will review the market value of the collateral and provide an allowance for any impairment.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Real estate held for investment</font></u><font style='letter-spacing:-.1pt'> is carried at cost, less accumulated depreciation provided on a straight line basis over the estimated useful lives of the properties, or is adjusted to a new basis for impairment in value, if any. Included are foreclosed properties which the Company intends to hold for investment purposes.&#160; These properties are recorded at the lower of cost or fair value upon foreclosure.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Policy loans and other investments</font></u><font style='letter-spacing:-.1pt'> are carried at the aggregate unpaid balances, less allowances for possible losses.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Short-term investments</font></u><font style='letter-spacing:-.1pt'> are carried at cost and consist of certificates of deposit and commercial paper with maturities of up to one year.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Realized gains and losses on investments</font></u><font style='letter-spacing:-.1pt'> arise when investments are sold (as determined on a specific identification basis) or are other-than-temporarily impaired. If in management&#146;s judgment a decline in the value of an investment below cost is other-than-temporary, the cost of the investment is written down to fair value with a corresponding charge to earnings. Factors considered in judging whether an impairment is other-than-temporary include: the financial condition, business prospects and credit worthiness of the issuer, the length of time that fair value has been less than cost, the relative amount of the decline, and the Company&#146;s ability and intent to hold the investment until the fair value recovers, which is not assured.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Cash and Cash Equivalents</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'><font style='font-weight:normal'>For purposes of the statement of cash flows, the Company considers all highly liquid debt instruments purchased with an original maturity of three months or less to be cash equivalents.</font> <font style='font-weight:normal'>The Company maintains its cash in bank deposit accounts, which at times exceed federally insured limits. The Company has not experienced any losses in such accounts and believes it is not exposed to any significant credit risk on cash and cash equivalents.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Loans Held for Sale</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Loans held for sale are carried at the lower of cost or market and include the amounts due from third party investors. Loans held for sale are also shown net of direct selling revenues and costs. Based on the short-term nature of these assets, the Company has no related allowance for loan losses recorded for these assets.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Restricted Assets</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Restricted assets are assets held in a trust account for future mortuary services and merchandise and consist of cash; participations in mortgage loans with Security National Life; mutual funds carried at cost; equity securities carried at fair market value; and a surplus note with Security National Life. Restricted cash also represents escrows held for borrowers and investors under servicing and appraisal agreements relating to mortgage loans, funds held by warehouse banks in accordance with loan purchase agreements and funds held in escrow for certain real estate construction development projects. Additionally, the Company elected to fund its medical benefit safe-harbor limit based on 35 percent of the qualified direct costs for the preceding year, and has included this amount as a component of restricted cash.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Cemetery Perpetual Care Trust Investments</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'><font style='font-weight:normal'>Cemetery endowment care trusts have been set up for four of the six cemeteries owned by the Company. Of the six cemeteries owned by the Company, four cemeteries are endowment care properties. Under endowment care arrangements a portion of the price for each lot sold is withheld and invested in a portfolio of investments similar to those described in the prior paragraph. The earnings stream from the investments is designed to fund future maintenance and upkeep of the cemetery.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p>Cemetery Land and Improvements</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'><font style='letter-spacing:0pt'>The development of a cemetery involves not only the initial acquisition of raw land but the installation of roads, water lines, landscaping and other costs to establish a marketable cemetery lot. The costs of developing the cemetery are shown as an asset on the balance sheet. The amount on the balance sheet is reduced by the total cost assigned to the development of a particular lot when the criterion for recognizing a sale of that lot is met.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Property and Equipment</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>Property and equipment are recorded at cost. Depreciation is calculated principally on the straight-line method over the estimated useful lives of the assets which range from three to forty years. Leasehold improvements are amortized <font style='letter-spacing:0pt'>over the lesser of the useful life or remaining lease terms.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'><b><font style='letter-spacing:0pt'>Recognition of Insurance Premiums and Other Considerations</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'><font style='letter-spacing:0pt'>Premiums</font> and other consideration for traditional life insurance products (which include those products with fixed and guaranteed premiums and benefits and consist principally of whole life insurance policies, limited payment life insurance policies, and certain annuities with life contingencies) are recognized as revenues when due from policyholders. Premiums and other consideration for interest-sensitive insurance policies (which include universal life policies, interest-sensitive life policies, deferred annuities, and annuities without life contingencies) are recognized when earned and consist of amounts assessed against policyholder account balances during the period for policy administration charges and surrender charges.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Deferred Policy Acquisition Costs and Value of Business Acquired</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>Commissions and other costs, net of commission and expense allowances for reinsurance ceded, that vary with and are primarily related to the production of new insurance business have been deferred. Deferred policy acquisition costs (&#147;DAC&#148;) for traditional life insurance are amortized over the premium paying period of the related policies using assumptions consistent with those used in computing policy benefit reserves. For interest-sensitive insurance products, deferred policy acquisition costs are amortized generally in proportion to the present value of expected gross profits from surrender charges, investment, mortality and expense margins. This amortization is adjusted when estimates of current or future gross profits to be realized from a group of products are reevaluated. Deferred acquisition costs are written off when policies lapse or are surrendered.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company follows accounting principles generally accepted in the United States of America when accounting for DAC on internal replacements of insurance and investment contracts. An internal replacement is a modification in product benefits, features, rights or coverage that occurs by the exchange of a contract for a new contract, or by amendment, endorsement, or rider to contract, or by the election of a feature or coverage within a contract. Modifications that result in a replacement contract that is substantially changed from the replaced contract are accounted for as an extinguishment of the replaced contract. Unamortized DAC, unearned revenue liabilities and deferred sales inducements from the replaced contract are written-off. Modifications that result in a contract that is substantially unchanged from the replaced contract are accounted for as a continuation of the replaced contract. </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Value of business acquired is the present value of estimated future profits of the acquired business and is amortized similar to deferred policy acquisition costs.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Mortgage Servicing Rights</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Mortgage Service Rights (MSR) arise from contractual agreements between the Company and third-party investors (or their agents) when mortgage loans are sold. Under these contracts, the Company is obligated to retain and provide loan servicing functions on loans sold, in exchange for fees and other remuneration. The servicing functions typically performed include, among other responsibilities, collecting and remitting loan payments; responding to borrower inquiries;&nbsp;accounting for principal and interest, holding custodial (impound) funds for payment of property taxes and insurance premiums; counseling delinquent mortgagors; and supervising the acquisition of real estate owned and property dispositions. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The total residential mortgage loans serviced for others consist primarily of agency conforming fixed-rate mortgage loans.&#160; The value of MSRs is derived from the net cash flows associated with the servicing contracts. The Company receives a servicing fee of generally about 0.250% annually on the remaining outstanding principal balances of the loans. Based on the result of the cash flow analysis, an asset or liability is recorded for mortgage servicing rights. The servicing fees are collected from the monthly payments made by the mortgagors. The Company generally receives other remuneration including rights to various mortgagor-contracted fees such as late charges, and collateral reconveyance charges and the Company is generally entitled to retain the interest earned on funds held pending remittance of mortgagor principal, interest, tax and insurance payments. Contractual servicing fees and late fees are included in other revenues on the Consolidated Statements of Earnings.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Interest rate risk, prepayment risk, and default risk are inherent risks in MSR valuation. Interest rate changes largely drive prepayment rates. Refinance activity generally increases as rates decline. A significant decrease in rates beyond expectation could cause a decline in the value of the MSR. On the contrary, if rates increase borrowers are less likely to refinance or prepay their mortgage, which extends the duration of the loan and MSR values are likely to rise. Because of these risks, discount rates and prepayment speeds are used to estimate the fair value.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company&#146;s subsequent accounting for MSRs is based on the class of MSRs. The Company has identified two classes of MSRs: MSRs backed by mortgage loans with initial term of 30 years and MSRs backed by mortgage loans with initial term of 15 years. The Company distinguishes between these classes of MSRs due to their differing sensitivities to change in value as the result of changes in market. After being initially recorded at fair value, MSRs backed by mortgage loans are accounted for using the amortization method. MSR amortization is determined by amortizing the balance straight-line over an estimated seven and nine year life.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company periodically assesses MSRs for impairment. Impairment occurs when the current fair value of the MSR falls below the asset&#146;s carrying value (carrying value is the amortized cost reduced by any related valuation allowance). If MSRs are impaired, the impairment is recognized in current-period earnings and the carrying value of the MSRs is adjusted through a valuation allowance. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Management periodically reviews the various loan strata to determine whether the value of the MSRs in a given stratum is impaired and likely to recover. When management deems recovery of the value to be unlikely in the foreseeable future, a write-down of the cost of the MSRs for that stratum to its estimated recoverable value is charged to the valuation allowance.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b>Derivative Instruments</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Mortgage Banking Derivatives</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Loan Commitments</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company is exposed to price risk due to the potential impact of changes in interest rates on the values of loan commitments from the time a loan commitment is made to an applicant to the time the loan that would result from the exercise of that loan commitment is funded. Managing price risk is complicated by the fact that the ultimate percentage of loan commitments that will be exercised (i.e., the number of loans that will be funded) fluctuates. The probability that a loan will not be funded or the loan application is denied or withdrawn within the terms of the commitment is driven by a number of factors, particularly the change, if any, in mortgage rates following the issuance of the loan commitment. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>In general, the probability of funding increases if mortgage rates rise and decreases if mortgage rates fall. This is due primarily to the relative attractiveness of current mortgage rates compared to the applicant&#146;s committed rate. The probability that a loan will not be funded within the terms of the mortgage loan commitment also is influenced by the source of the applications (retail, broker or correspondent channels), proximity to rate lock expiration, purpose for the loan (purchase or refinance) product type and the application approval status. The Company has developed fallout estimates using historical data that take into account all of the variables, as well as renegotiations of rate and point commitments that tend to occur when mortgage rates fall. These fallout estimates are used to estimate the number of loans that the Company expects to be funded within the terms of the loan commitments and are updated periodically to reflect the most current data. </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company estimates the fair value of a loan commitment based on the change in estimated fair value of the underlying mortgage loan, quoted MBS prices, estimates of the fair value of mortgage servicing rights, and an estimate of the probability that the mortgage loan will fund within the terms of the commitment net of estimated commission expense. The change in fair value of the underlying mortgage loan is measured from the date the loan commitment is issued and is shown net of expenses. Following issuance, the value of a loan commitment can be either positive or negative depending upon the change in value of the underlying mortgage loans. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Forward Sale Commitments</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company utilizes forward commitments to economically hedge the price risk associated with its outstanding mortgage loan commitments. A forward commitment protects the Company from losses on sales of the loans arising from exercise of the loan commitments. Management expects these types of commitments will experience changes in fair value opposite to changes in fair value of the loan commitments, thereby reducing earnings volatility related to the recognition in earnings of changes in the values of the commitments. </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The net changes in fair value of all loan commitments and forward sale commitments are shown in current earnings as a component of mortgage fee income.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>Call and Put Options</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company uses a strategy of selling &#147;out of the money&#148; call options on its available for sale equity securities as a source of revenue.&#160; The options give the purchaser the right to buy from the Company specified equity securities at a set price up to a pre-determined date in the future.&#160; The Company uses the strategy of selling put options as a means of generating cash or purchasing equity securities at lower than current market prices.&#160; The Company receives an immediate payment of cash for the value of the option and establishes a liability for the fair value of the option.&#160; The liability for options is adjusted to fair value at each reporting date. In the event an option is exercised, the Company recognizes a gain on the sale of the equity security and a gain on the sale of the option.&#160; If the option expires unexercised, the Company recognizes a gain from the sale of the option.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;text-decoration:underline;text-underline:single'><b><font style='text-decoration:none;text-underline:none'>Allowance for Doubtful Accounts and Loan Losses and Impaired Loans</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company records an allowance and recognizes an expense for potential losses from mortgage loans, other loans and receivables in accordance with generally accepted accounting principles. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Receivables are the result of cemetery and mortuary operations, mortgage loan operations and life insurance operations. The allowance is based upon the Company&#146;s historical experience for collectively evaluated impairment. Other allowances are based upon receivables individually evaluated for impairment. Collectability of the cemetery and mortuary receivables is significantly influenced by current economic conditions. The critical issues that impact recovery of mortgage loan operations are interest rate risk, loan underwriting, new regulations and the overall economy.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company provides allowances for losses on its mortgage loans held for investment through an allowance for loan losses. <font style='letter-spacing:-.1pt'>The allowance is comprised of two components. The first component is an allowance for collectively evaluated impairment that is based upon the Company&#146;s historical experience in collecting similar receivables. The second component is based upon individual evaluation of loans that are determined to be impaired. Upon determining impairment, the Company establishes an individual impairment allowance based upon an assessment of the fair value of the underlying collateral. See the schedules in Note 2 for additional information. </font>In addition, when a mortgage loan is past due more than 90 days, the Company does not accrue any interest income. When a loan becomes delinquent, the Company proceeds to foreclose on the real estate and all expenses for foreclosure are expensed as incurred. Once foreclosed, an adjustment for the lower of cost or fair value is made, if necessary, and the amount is classified as real estate held for investment. The Company will rent the properties until it is deemed desirable to sell them.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The allowance for losses on mortgage loans held for investment could change based on changes in the value of the underlying collateral, the performance status of the loans, or the Company&#146;s actual collection experience. The actual losses could change, in the near term, from the established allowance, based upon the occurrence or non-occurrence of these events. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b>Loan Loss Reserve</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The mortgage loan loss reserve is an estimate of probable losses at the balance sheet date that the Company will realize in the future on mortgage loans sold to third party investors. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The loan loss reserve analysis involves mortgage loans that have been sold to third party investors, which were believed to have met investor underwriting guidelines at the time of sale, where the Company has received a demand from the investor. There are generally three types of demands: make whole, repurchase, or indemnification. These types of demands are more particularly described as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'><i>Make whole demand</i> &#150; A make whole demand occurs when an investor forecloses on a property and then sells the property. The make whole amount is calculated as the difference between the original unpaid principal balance, accrued interest and fees, less the sale proceeds.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-indent:.5in'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'><i>Repurchase demand</i> &#150; A repurchase demand usually occurs when there is a significant payment default, error in underwriting or detected loan fraud.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'><i>Indemnification demand</i> &#150; On certain loans the Company has negotiated a set fee that is to be paid in lieu of repurchase. The fee varies by investor and by loan product type.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Additional information related to the Loan Loss Reserve is included in Note 2.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>Future Life, Annuity and Other Policy Benefits</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>Future policy benefit reserves for traditional life insurance are computed using a net level method, including assumptions as to investment yields, mortality, morbidity, withdrawals, and other assumptions based on the life insurance subsidiaries&#146; experience, modified as necessary to give effect to anticipated trends and to include provisions for possible unfavorable deviations. Such liabilities are, for some plans, graded to equal statutory values or cash values at or prior to maturity. The range of assumed interest rates for all traditional life insurance policy reserves was 4.5% to 10%. Benefit reserves for traditional limited-payment life insurance policies include the deferred portion of the premiums received during the premium-paying period. Deferred premiums are recognized as income over the life of the policies. Policy benefit claims are charged to expense in the period the claims are incurred. Increases in future policy benefits are charged to expense.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Future policy benefit reserves for interest-sensitive insurance products are computed under a retrospective deposit method and represent policy account balances before applicable surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policy account balances. Interest crediting rates for interest-sensitive insurance products ranged from 3% to 6.5%.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Participating Insurance</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Participating business constituted 2% of insurance in force for the years ended 2016, 2015 and 2014. The provision for policyholders&#146; dividends included in policyholder obligations is based on dividend scales anticipated by management. Amounts to be paid are determined by the Board of Directors.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Reinsurance</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company follows the procedure of reinsuring risks in excess of $100,000 to provide for greater diversification of business to allow management to control exposure to potential losses arising from large risks, and provide additional capacity for growth. The Company remains liable for amounts ceded in the event the reinsurers are unable to meet their obligations.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company entered into coinsurance agreements with unaffiliated insurance companies under which the Company assumed 100% of the risk for certain life insurance policies and certain other policy-related liabilities of the insurance company.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Reinsurance premiums, commissions, expense reimbursements, and reserves related to reinsured business are accounted for on a basis consistent with those used in accounting for the original policies issued and the terms of the reinsurance contracts. Expense allowances received in connection with reinsurance ceded are accounted for as a reduction of the related policy acquisition costs and are deferred and amortized accordingly.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Pre-need Sales and Costs</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Pre-need contract sales of funeral services and caskets - revenue and costs associated with the sales of pre-need funeral services and caskets are deferred until the services are performed or the caskets are delivered.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Sales of cemetery interment rights (cemetery burial property) - revenue and costs associated with the sale of cemetery interment rights are recognized in accordance with the retail land sales provisions based on GAAP. Under GAAP, recognition of revenue and associated costs from constructed cemetery property must be deferred until a minimum percentage of the sales price has been collected. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Pre-need contract sales of cemetery merchandise (primarily markers and vaults) - revenue and costs associated with the sale of pre-need cemetery merchandise is deferred until the merchandise is delivered. Pre-need contract sales of cemetery services (primarily merchandise delivery, installation fees and burial opening and closing fees) - revenue and costs associated with the sales of pre-need cemetery services are deferred until the services are performed.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Prearranged funeral and pre-need cemetery customer acquisition costs - costs incurred related to obtaining new pre-need contract cemetery and prearranged funeral services are accounted for under the guidance of the provisions based on GAAP. Obtaining costs, which include only costs that vary with and are primarily related to the acquisition of new pre-need cemetery and prearranged funeral services, are deferred until the merchandise is delivered or services are performed.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Revenues and costs for at need sales are recorded when a valid contract exists, the services are performed, collection is reasonably assured and there are no significant obligations remaining.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company, through its cemetery and mortuary operations, provides guaranteed funeral arrangements wherein a prospective customer can receive future goods and services at guaranteed prices. To accomplish this, the Company, through its life insurance operations, sells to the customer an increasing benefit life insurance policy that is assigned to the mortuaries. If, at the time of need, the policyholder/potential mortuary customer utilizes one of the Company&#146;s facilities, the guaranteed funeral arrangement contract that has been assigned will provide the funeral goods and services at the contracted price. The increasing life insurance policy will cover the difference between the original contract prices and current prices. Risks may arise if the difference cannot be fully met by the life insurance policy. However, management believes that given current inflation rates and related price increases of goods and services, the risk of exposure is minimal.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Mortgage Fee Income</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Mort<font style='letter-spacing:-.1pt'>g</font>a<font style='letter-spacing:-.15pt'>g</font>e<font style='letter-spacing:-.95pt'> </font>f<font style='letter-spacing:-.15pt'>e</font>e<font style='letter-spacing:-.95pt'> </font>income<font style='letter-spacing:-.95pt'> </font><font style='letter-spacing:-.15pt'>c</font>onsists<font style='letter-spacing:-.95pt'> </font>of<font style='letter-spacing:-.95pt'> 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style='letter-spacing:.1pt'>t</font>ion<font style='letter-spacing:-1.1pt'> </font><font style='letter-spacing:-.1pt'>a</font><font style='letter-spacing:.05pt'>n</font>d<font style='letter-spacing:-1.1pt'> </font>s<font style='letter-spacing:-.1pt'>a</font><font style='letter-spacing:.1pt'>l</font>e<font style='letter-spacing:-1.1pt'> </font><font style='letter-spacing:-.1pt'>o</font>f<font style='letter-spacing:-1.05pt'> </font>mo<font style='letter-spacing:-.1pt'>r</font><font style='letter-spacing:.1pt'>t</font><font style='letter-spacing:-.1pt'>gag</font>e<font style='letter-spacing:-.95pt'> </font>lo<font style='letter-spacing:-.1pt'>a</font><font style='letter-spacing:.05pt'>n</font>s.<font style='letter-spacing:-.95pt'> </font><font style='letter-spacing:-.1pt'>F</font><font style='letter-spacing:.05pt'>o</font>r<font style='letter-spacing:-1.1pt'> </font>mortgage loans sold to third party investors, mortgage fee income and related expenses are recognized pursuant to GAAP at 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style='letter-spacing:-.2pt'>g</font>e<font style='letter-spacing:-.9pt'> </font><font style='letter-spacing:.05pt'>th</font>e<font style='letter-spacing:-1.0pt'> </font><font style='letter-spacing:.05pt'>mo</font><font style='letter-spacing:-.15pt'>r</font><font style='letter-spacing:.05pt'>t</font><font style='letter-spacing:-.15pt'>g</font><font style='letter-spacing:-.05pt'>a</font><font style='letter-spacing:-.1pt'>g</font><font style='letter-spacing:-.05pt'>e</font>,<font style='letter-spacing:-.85pt'> </font><font style='letter-spacing:-.05pt'>a</font><font style='letter-spacing:.05pt'>n</font>d<font style='letter-spacing:-.9pt'> </font><font style='letter-spacing:.05pt'>(iii</font>)<font style='letter-spacing:-.9pt'> </font><font style='letter-spacing:.05pt'>th</font>e<font style='letter-spacing:-1.0pt'> </font><font style='letter-spacing:.05pt'>Co</font><font style='letter-spacing:-.05pt'>m</font><font style='letter-spacing:.05pt'>p</font><font style='letter-spacing:-.1pt'>a</font><font style='letter-spacing:.05pt'>n</font>y<font style='letter-spacing:-1.25pt'> </font><font style='letter-spacing:.05pt'>d</font><font style='letter-spacing:-.05pt'>oe</font>s<font style='letter-spacing:-.85pt'> </font><font style='letter-spacing:.05pt'>n</font><font style='letter-spacing:-.05pt'>o</font>t<font style='letter-spacing:-.65pt'> </font><font style='letter-spacing:.05pt'>m</font><font style='letter-spacing:-.1pt'>a</font><font style='letter-spacing:.05pt'>in</font><font style='letter-spacing:-.05pt'>ta</font><font style='letter-spacing:.05pt'>in </font>ef<font style='letter-spacing:-.1pt'>f</font>ective<font style='letter-spacing:-.1pt'> </font><font style='letter-spacing:-.15pt'>c</font>ontrol<font style='letter-spacing:-.1pt'> </font>over<font style='letter-spacing:-.1pt'> </font>the<font style='letter-spacing:-.1pt'> </font>t<font style='letter-spacing:-.1pt'>r</font>ansf<font style='letter-spacing:-.1pt'>e</font>rr<font style='letter-spacing:-.1pt'>e</font>d<font style='letter-spacing:-.1pt'> </font>mort<font style='letter-spacing:-.1pt'>g</font>a<font style='letter-spacing:-.15pt'>g</font>e.<font style='letter-spacing:-.1pt'> </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company has determined that all three criteria are met at the time a loan is purchased from a third party investor. Until the loan is purchased, all direct selling revenues and costs are deferred. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company, through its mortgage subsidiaries, sells mortgage loans to third party investors without recourse. However, it may be required to repurchase a loan or pay a fee instead of repurchase under certain events, which include the following:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-indent:-.25in;text-autospace:ideograph-numeric ideograph-other'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Failure to deliver original documents specified by the investor,</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-indent:-.25in;text-autospace:ideograph-numeric ideograph-other'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>The existence of misrepresentation or fraud in the origination of the loan,</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-indent:-.25in;text-autospace:ideograph-numeric ideograph-other'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>The loan becomes delinquent due to nonpayment during the first several months after it is sold,</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-indent:-.25in;text-autospace:ideograph-numeric ideograph-other'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Early pay-off of a loan, as defined by the agreements,</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-indent:-.25in;text-autospace:ideograph-numeric ideograph-other'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Excessive time to settle a loan,</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-indent:-.25in;text-autospace:ideograph-numeric ideograph-other'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Investor declines purchase, and</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-indent:-.25in;text-autospace:ideograph-numeric ideograph-other'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Discontinued product and expired commitment.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Loan purchase commitments generally specify a date 30 to 45 days after delivery upon which the underlying loans should be settled. Depending on market conditions, these commitment settlement dates can be extended at a cost to the Company. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>It is the Company's policy to cure any documentation problems regarding such loans at a minimal cost for up to a six-month time period and to pursue efforts to enforce loan purchase commitments from third-party investors concerning the loans. The Company believes that six months allows adequate time to remedy any documentation issues, to enforce purchase commitments, and to exhaust other alternatives. Remedial methods include the following:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;line-height:115%;margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:1.0in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Research reasons for rejection,</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;line-height:115%;margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:1.0in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Provide additional documents,</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;line-height:115%;margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:1.0in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Request investor exceptions,</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;line-height:115%;margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:1.0in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Appeal rejection decision to purchase committee, and</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;line-height:115%;margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:1.0in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Commit to secondary investors.</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:.5in;line-height:115%;margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Once purchase commitments have expired and other alternatives to remedy are exhausted, which could be earlier than the six-month time period, the loans are repurchased and transferred to the long-term investment portfolio at the lower of cost or fair value and previously recorded sales revenue that was to be received from a third-party investor is written off against the loan loss reserve. Any loan that later becomes delinquent is evaluated by the Company at that time and any impairment is adjusted accordingly. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>Determining Lower of Cost or Market</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Cost is equal to the amount paid to the warehouse bank and the amount originally funded by the Company. Market value is often difficult to determine, but is based on the following:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;margin-left:1.0in;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>For loans that have an active market the Company uses the market price on the repurchased date.</p> <p style='margin:0in;margin-bottom:.0001pt;margin-left:1.0in;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>For loans where there is no market but there is a similar product, the Company uses the market value for the similar product on the repurchased date.</p> <p style='margin:0in;margin-bottom:.0001pt;margin-left:1.0in;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>For loans where no active market exists on the repurchased date, the Company determines that the unpaid principal balance best approximates the market value on the repurchased date, after considering the fair value of the underlying real estate collateral and estimated future cash flows.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The appraised value of the real estate underlying the original mortgage loan adds support to the Company&#146;s determination of fair value because if the loan becomes delinquent, the Company has sufficient value to collect the unpaid principal balance or the carrying value of the loan. In determining the market value on the date of repurchase, the Company considers the total value of all of the loans because any sale of loans would be made as a pool. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company provides an allowance for loan losses on its mortgage loans held for investment. The allowance is comprised of two components. The first component is an allowance for collectively evaluated impairment that is based upon the Company&#146;s historical experience in collecting similar receivables. The second component is based upon individual evaluation of loans that are determined to be impaired.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Commercial Loans</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Each quarter, management reviews the current commercial loans and determines if an allowance is required based on the Company&#146;s actual experience of losses on impaired commercial loans. To date, the Company has not incurred any significant losses. The carrying value of all commercial loans is supported by appraisals and cash flow analysis of revenue received. Also, the Company does not accrue any interest income or capitalize any of the foreclosure costs on impaired commercial loans.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Residential and Construction Loans</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company believes that in an orderly market fair value will approximate the replacement cost of a home and the rental income provides a cash flow stream for investment analysis. The Company believes the highest and best use of the properties are as income producing assets since it is the Company&#146;s intent to hold the properties as rental properties, matching the income from the investment in rental properties with the funds required for future estimated policy claims. Accordingly, the fair value determination will be weighted more heavily toward the rental analysis. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>It should be noted that for replacement cost, when determining the fair value of mortgage properties, the Company uses Marshall and Swift, a provider of building cost information to the real estate construction industry. For the investment analysis, the Company used market data based upon its real estate operation experience and projected the present value of the net rental income over seven years. The Company used 20% of the projected cash flow analysis and 80% of the replacement cost to approximate fair value of the collateral. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Each quarter the Company also analyzes its current loan portfolio and determines the level of allowance needed for loans that are listed as current in the portfolio. The basis of the analysis places a higher weight on loans with high loan to value ratios, those that lack mortgage insurance, and certain loan types that have a higher percentage of default based on the Company&#146;s experience. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Each quarter the Company makes further analysis of the foreclosed properties to determine if any additional allowances are necessary by comparing national indexes of loan to value ratios by region to the Company&#146;s loan to value ratios. Based upon the above procedures, the Company&#146;s management believes that residential and residential construction loans are reflected in the Company&#146;s financial statements at the lower of cost or market in accordance with GAAP requirements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Goodwill</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Previous acquisitions have been accounted for as purchases under which assets acquired and liabilities assumed were recorded at their fair values with the excess purchase price recognized as goodwill. The Company evaluates annually or when changes in circumstances warrant the recoverability of goodwill and if there is a decrease in value, the related impairment is recognized as a charge against income. No impairment of goodwill has been recognized in the accompanying financial statements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'><font style='letter-spacing:0pt'>Long-lived Assets</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Long-lived assets to be held and used are reviewed for impairment whenever events or changes in circumstances indicate that the related carrying amount may not be recoverable. When required, impairment losses on assets to be held and used are recognized based on the fair value of the asset, and long-lived assets to be disposed of are reported at the lower of carrying amount or fair value less costs to sell. No impairment of long-lived assets has been recognized in the accompanying financial statements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Income Taxes</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Income taxes include taxes currently payable plus deferred taxes. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to the temporary differences in the financial reporting basis and tax basis of assets and liabilities and operating loss carry-forwards. Deferred tax assets are measured using enacted tax rates expected to apply to taxable income in the years in which these temporary differences are expected to be recovered or settled.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Liabilities are established for uncertain tax positions expected to be taken in income tax returns when such positions are judged to meet the &#147;more-likely-than-not&#148; threshold based on the technical merits of the positions. Estimated interest and penalties related to uncertain tax penalties are included as a component of other expenses. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Earnings Per Common Share</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company computes earnings per share in accordance with GAAP which requires presentation of basic and diluted earnings per share. Basic earnings per equivalent Class A common share are computed by dividing net earnings by the weighted-average number of Class A common <font style='letter-spacing:0pt'>shares outstanding during each year presented, after the effect of the assumed conversion of Class C common stock to Class A common stock. Diluted earnings per share is computed by dividing net earnings by the weighted-average number of common shares outstanding during the year used to compute basic earnings per share plus dilutive potential incremental shares. Basic and diluted earnings per share amounts have been adjusted retroactively for the effect of annual stock dividends.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Stock Based Compensation</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The cost of employee services received in exchange for an award of equity instruments is recognized in the financial statements and is measured based on the fair value on the grant date of the award. The fair value of stock options is calculated using the Black Scholes method. Stock option compensation expense is recognized over the period during which an employee is required to provide service in exchange for the award. </font></p> <p align="left" style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;text-align:left'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>Concentration of Credit Risk</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>For a description of the geographic concentration risk regarding mortgage loans and real estate, refer to Note 2 of the Notes to Consolidated Financial Statements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><b>Advertising</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>The Company expenses advertising costs as incurred.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>Recent Accounting Pronouncements</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>ASU No. 2016-13: &#147;Financial Instruments &#150; Credit Losses (Topic 326)&#148;</font></u><font style='letter-spacing:-.1pt'> &#150; Issued in June 2016, ASU 2016-13 amends guidance on reporting credit losses for assets held at amortized cost basis and available for sale debt securities. For assets held at amortized cost basis, Topic 326 eliminates the probable initial recognition threshold in current generally accepted accounting principles (&#147;GAAP&#148;) and, instead, requires an entity to reflect its current estimate of all expected credit losses. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of the financial assets to present the net amount expected to be collected. For available for sale debt securities, credit losses should be measured in a manner similar to current GAAP, however Topic 326 will require that credit losses be presented as an allowance rather than as a write-down. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2019. The Company is in the process of evaluating the potential impact of this standard.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>ASU No. 2016-02: &#147;Leases (Topic 842)&#148;</font></u><font style='letter-spacing:-.1pt'> - Issued in February 2016, ASU 2016-02 supersedes the leases requirements in ASC Topic 840, &#147;Leases&#148;, and was issued to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2018. The Company is in the process of evaluating the potential impact of this standard.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>ASU No. 2016-01: &#147;Financial Instruments &#150; Overall (Topic 825-10)&#148;</font></u><font style='letter-spacing:-.1pt'> &#150; Issued in January 2016, ASU 2016-01 changes the accounting for non-consolidated equity investments that are not accounted for under the equity method of accounting by requiring changes in fair value to be recognized in income. Under current guidance, changes in fair value for investments of this nature are recognized in accumulated other comprehensive income as a component of stockholders&#146; equity.&#160; Additionally, ASU 2016-01 simplifies the impairment assessment of equity investments without readily determinable fair values; requires entities to use the exit price when estimating the fair value of financial instruments; and modifies various presentation disclosure requirements for financial instruments.&#160; The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2017. The Company is in the process of evaluating the potential impact of this standard.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>ASU No. 2014-09: &#147;Revenue from Contracts with Customers (Topic 606)&#148;</font></u><font style='letter-spacing:-.1pt'> - Issued in May 2014, ASU 2014-09 supersedes the revenue recognition requirements in ASC Topic 605, &#147;Revenue Recognition&#148;, and requires entities to recognize revenue in a way that depicts the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. Insurance contracts are excluded from the scope of this new guidance. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2017. The Company is in the process of evaluating the potential impact of this standard, which is not expected to be material to the Company&#146;s results of operations or financial position.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company has reviewed other recent accounting pronouncements and has determined that they will not significantly impact the Company&#146;s results of operations or financial position.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>2) &#160;&#160; <u>Investments</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:12.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:12.0pt'>The Company&#146;s investments in fixed maturity securities held to maturity and equity securities available for sale as of December 31, 2016 are summarized as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:12.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Amortized Cost</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Gains</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Losses</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Estimated Fair Value</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'><u>December 31, 2016</u>:</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="top" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:25.5pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities held to maturity carried at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="top" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="top" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="top" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="top" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:25.5pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>U.S. Treasury securities and obligations of U.S. Government agencies</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,475,065 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 249,028 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (66,111)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,657,982 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Obligations of states and political subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>6,017,225 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>153,514 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>(133,249)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>6,037,490 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Corporate securities including public utilities</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>164,375,636 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>10,440,989 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>(3,727,013)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>171,089,612 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Mortgage-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>9,488,083 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>221,400 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>(280,871)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>9,428,612 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Redeemable preferred stock</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>623,635 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,418 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; -&#160;&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>637,053 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Total fixed maturity securities held to maturity</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 184,979,644 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 11,078,349 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.36%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; (4,207,244)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.98%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 191,850,749 </p> </td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="53%" colspan="3" valign="bottom" style='width:53.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Equity securities available for sale at estimated fair value:</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="top" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Common stock:</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="top" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="top" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 10,985,338 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 447,110 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (859,092)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:26.25pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Total securities available for sale carried at estimated fair value</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 10,985,338 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 447,110 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.36%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (859,092)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.98%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:25.5pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate and construction loans held for investment at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 58,593,622 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Residential construction</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,800,117 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 51,536,622 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Less: Allowance for loan losses</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,748,783)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:26.25pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total mortgage loans on real estate and construction loans held for investment</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 149,181,578 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Real estate held for investment - net of depreciation</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 145,165,921 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:38.25pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans and other investments are shown at amortized cost except for other investments that are shown at estimated fair value:</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,694,148 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Insurance assignments</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,548,079 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Promissory notes </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 48,797 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Other investments at estimated fair value</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,765,752 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Less: Allowance for doubtful accounts</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,119,630)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:13.5pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total policy loans and other investments</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 40,937,146 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:13.5pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Short-term investments at amortized cost</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 27,560,040 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:12.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:12.0pt'>The Company&#146;s investments in fixed maturity securities held to maturity and equity securities available for sale as of December 31, 2015 are summarized as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:12.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Amortized Cost</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Gains</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Losses</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Estimated Fair Value</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'><u>December 31, 2015:</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="top" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:25.5pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities held to maturity carried at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="top" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="top" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="top" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="top" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:25.5pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>U.S. Treasury securities and obligations of U.S. Government agencies</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,560,579 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 292,869 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (4,743)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,848,705 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Obligations of states and political subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>1,805,828 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>182,073 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>(1,040)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>1,986,861 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Corporate securities including public utilities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>134,488,108 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>9,836,355 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>(5,501,743)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>138,822,720 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Mortgage-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>5,091,887 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>190,867 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>(75,580)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>5,207,174 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Redeemable preferred stock</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>612,023 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 29,675 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>641,698 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Total fixed maturity securities held to maturity</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 145,558,425 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 10,531,839 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; (5,583,106)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 150,507,158 </p> </td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="53%" colspan="3" valign="bottom" style='width:53.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Equity securities available for sale at estimated fair value:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="top" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Common stock:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="top" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="top" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,891,500 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 213,684 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; (1,674,094)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,431,090 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:26.25pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Total securities available for sale carried at estimated fair value</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,891,500 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="12%" valign="bottom" style='width:12.62%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 213,684 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.42%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; (1,674,094)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,431,090 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:25.5pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate and construction loans held for investment at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 46,020,490 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Residential construction</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,851,557 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,522,978 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Less: Allowance for loan losses</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,848,120)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:26.25pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total mortgage loans on real estate and construction loans held for investment</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 112,546,905 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Real estate held for investment - net of depreciation</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 114,852,432 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:38.25pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans and other investments are shown at amortized cost except for other investments that are shown at estimated fair value:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> </tr> <tr style='height:12.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,896,457 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Insurance assignments</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,369,014 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Promissory notes</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 48,797 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Other investments at estimated fair value</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,174,769 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Less: Allowance for doubtful accounts</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (906,616)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:13.5pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total policy loans and other investments</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160; 39,582,421 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:13.5pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Short-term investments at amortized cost</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 16,915,808 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:12.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:12.0pt'><b>Fixed Maturity Securities</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The following tables summarize unrealized losses on fixed maturities securities, which are carried at amortized cost, at December 31, 2016 and 2015. The unrealized losses were primarily related to interest rate fluctuations. The tables set forth unrealized losses by duration and number of investment positions, together with the fair value of the related fixed maturity securities:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:44.1pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="9%" valign="bottom" style='width:9.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for Less than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'></td> <td width="9%" valign="bottom" style='width:9.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'></td> <td width="9%" valign="bottom" style='width:9.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for More than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'></td> <td width="9%" valign="bottom" style='width:9.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'></td> <td width="9%" valign="bottom" style='width:9.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Unrealized Loss</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="10%" valign="bottom" style='width:10.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>At December 31, 2016</u></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:25.5pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>U.S. Treasury Securities and Obligations </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; of U.S. Government Agencies</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;66,111 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,342,088 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 66,111 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,342,088 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Obligations of States and </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; Political Subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 133,249 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,686,856 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 133,249 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,686,856 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Corporate Securities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,728,312 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 41,796,016 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,998,701 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 12,969,135 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,727,013 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 54,765,151 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage and other</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>asset-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 176,715 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,176,089 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 104,156 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 940,278 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 280,871 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;&#160;&#160;5,116,367 </p> </td> </tr> <tr style='height:13.5pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,104,387 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 51,001,049 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,102,857 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 13,909,413 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 4,207,244 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.3%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 64,910,462 </p> </td> </tr> <tr style='height:5.25pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:5.25pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:5.25pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for Less than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for More than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Unrealized Loss</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>At December 31, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:25.5pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>U.S. Treasury Securities and Obligations </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; of U.S. Government Agencies</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;4,743 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,191,782 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,743 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,191,782 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Obligations of States and </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; Political Subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,040 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 86,388 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,040 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 86,388 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Corporate Securities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,701,572 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 30,109,114 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,800,171 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,723,569 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,501,743 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 33,832,683 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage and other</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>asset-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 75,580 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,775,505 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 75,580 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,775,505 </p> </td> </tr> <tr style='height:13.5pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 3,781,895 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 34,076,401 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,801,211 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,809,957 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 5,583,106 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.3%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 37,886,358 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&#160;There were 250 securities with unrealized losses of 93.9% of amortized cost at December 31, 2016. There were 123 securities with unrealized losses of 87.2% of amortized cost at December 31, 2015. During the years ended December 31, 2016, 2015 and 2014, an other than temporary decline in market value resulted in the recognition of credit losses on fixed maturity securities of $100,000, $120,000 and $120,000, respectively. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>On a quarterly basis, the Company reviews its available for sale and held to maturity fixed investment securities related to corporate securities and other public utilities, consisting of bonds and preferred stocks that are in a loss position. The review involves an analysis of the securities in relation to historical values, and projected earnings and revenue growth rates. Based on the analysis, a determination is made whether a security will likely recover from the loss position within a reasonable period of time. If it is unlikely that the investment will recover from the loss position, the loss is considered to be other than temporary, the security is written down to the impaired value and an impairment loss is recognized. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><b>Equity Securities</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The following tables summarize unrealized losses on equity securities that were carried at estimated fair value based on quoted trading prices at December 31, 2016 and 2015. The unrealized losses were primarily the result of decreases in market value due to overall equity market declines. The tables set forth unrealized losses by duration and number of investment positions, together with the fair value of the related equity securities available for sale in a loss position:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:63.75pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="9%" valign="bottom" style='width:9.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for Less than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'></td> <td width="10%" valign="bottom" style='width:10.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>No. of Investment Positions</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for More than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'></td> <td width="10%" valign="bottom" style='width:10.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>No. of Investment Positions</p> </td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Unrealized Losses</p> </td> </tr> <tr style='height:12.75pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>At December 31, 2016</u></p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160; &#160;&#160;215,563 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>124</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 643,529 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>104</p> </td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 859,092 </p> </td> </tr> <tr style='height:13.5pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.94%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 215,563 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.42%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>124</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 643,529 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>104</p> </td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 859,092 </p> </td> </tr> <tr style='height:14.25pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="9%" valign="bottom" style='width:9.94%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 2,063,144 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="10%" valign="bottom" style='width:10.42%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 1,685,874 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="10%" valign="bottom" style='width:10.44%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 3,749,018 </p> </td> </tr> <tr style='height:8.25pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="9%" valign="bottom" style='width:9.94%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="10%" valign="bottom" style='width:10.42%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="10%" valign="bottom" style='width:10.44%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> </tr> <tr style='height:12.75pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>At December 31, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 997,862 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>222</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 676,232 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>74</p> </td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 1,674,094 </p> </td> </tr> <tr style='height:13.5pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.94%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 997,862 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.42%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>222</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 676,232 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>74</p> </td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 1,674,094 </p> </td> </tr> <tr style='height:14.25pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="9%" valign="bottom" style='width:9.94%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 4,177,709 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="10%" valign="bottom" style='width:10.42%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 760,860 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="10%" valign="bottom" style='width:10.44%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 4,938,569 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The average market value of the equity securities available for sale was 81.4% and 74.7% of the original investment as of December 31, 2016 and 2015, respectively. The intent of the Company is to retain equity securities for a period of time sufficient to allow for the recovery in fair value. However, the Company may sell equity securities during a period in which the fair value has declined below the amount of the original investment. In certain situations, new factors, including changes in the business environment, can change the Company&#146;s previous intent to continue holding a security. During the years ended December 31, 2016, 2015, and 2014, an other than temporary decline in the market value resulted in the recognition of an impairment loss on equity securities of $170,358, $293,714, and $44,240, respectively. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>On a quarterly basis, the Company reviews its investment in industrial, miscellaneous and all other equity securities that are in a loss position. The review involves an analysis of the securities in relation to historical values, price earnings ratios, projected earnings and revenue growth rates. Based on the analysis a determination is made whether a security will likely recover from the loss position within a reasonable period of time. If it is unlikely that the investment will recover from the loss position, the loss is considered to be other than temporary, the security is written down to the impaired value and an impairment loss is recognized.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The fair values of fixed maturity securities are based on quoted market prices, when available. For fixed maturity securities not actively traded, fair values are estimated using values obtained from independent pricing services, or in the case of private placements, are estimated by discounting expected future cash flows using a current market value applicable to the coupon rate, credit and maturity of the investments. The fair values for equity securities are based on quoted market prices.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The amortized cost and estimated fair value of fixed maturity securities at December 31, 2016, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because certain borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Amortized</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Estimated Fair</p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;&nbsp;&nbsp;Cost&nbsp;&nbsp;&nbsp;</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;&nbsp;&nbsp;&nbsp;Value&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Held to Maturity:</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Due in 2017</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,148,334 </p> </td> <td width="4%" valign="bottom" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,232,674 </p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Due in 2018 through 2021</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 42,886,637 </p> </td> <td width="4%" valign="bottom" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 44,879,897 </p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Due in 2022 through 2026</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 42,090,383 </p> </td> <td width="4%" valign="bottom" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 43,288,035 </p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Due after 2026</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 83,742,572 </p> </td> <td width="4%" valign="bottom" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 87,324,617 </p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Mortgage-backed securities</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,488,083 </p> </td> <td width="4%" valign="bottom" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,488,473 </p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Redeemable preferred stock</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 623,635 </p> </td> <td width="4%" valign="bottom" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 637,053 </p> </td> </tr> <tr style='height:13.5pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>Total held to maturity</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="23%" valign="bottom" style='width:23.26%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 184,979,644 </p> </td> <td width="4%" valign="bottom" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="23%" valign="bottom" style='width:23.26%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 191,850,749 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The cost and estimated fair value of available for sale securities at December 31, 2016, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because certain borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Equities are valued using the specific identification method.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="4%" valign="top" style='width:4.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Estimated Fair </p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Cost </p> </td> <td width="4%" valign="top" style='width:4.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&nbsp;&nbsp;&nbsp;&nbsp;Value&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Available for Sale:</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="4%" valign="top" style='width:4.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:10.0pt;text-autospace:ideograph-numeric ideograph-other'>Common stock</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,985,338 </p> </td> <td width="4%" valign="bottom" style='width:4.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> </tr> <tr style='height:13.5pt'> <td width="45%" valign="top" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>Total available for sale</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="23%" valign="bottom" style='width:23.26%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,985,338 </p> </td> <td width="4%" valign="bottom" style='width:4.26%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="23%" valign="bottom" style='width:23.26%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> </tr> </table> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><font style='letter-spacing:-.1pt'>The Company&#146;s realized gains and losses and other than temporary impairments from investments and other assets for the years ended December 31 are summarized as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities held</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>to maturity:</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Gross realized gains</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;389,558 </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 387,162 </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 390,203 </p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Gross realized losses</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (132,124)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (82,166)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (71,800)</p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; Other than temporary impairments</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (100,000)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (120,000)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (120,000)</p> </td> </tr> <tr style='height:6.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Securities available for sale:</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Gross realized gains</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 221,817 </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 180,602 </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 349,207 </p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Gross realized losses</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (61,242)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (66,850)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (55,222)</p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; Other than temporary impairments</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (170,358)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (293,714)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (44,240)</p> </td> </tr> <tr style='height:6.0pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Other assets:</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Gross realized gains</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 349,252 </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,067,438 </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,445,596 </p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Gross realized losses</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (943,648)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (84,827)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (139,808)</p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; Other than temporary impairments</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (191,716)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:13.5pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:19.15pt;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (446,745)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 1,795,929 </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 1,753,936 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The net carrying amount for disposals of securities classified as held to maturity was </font><font style='letter-spacing:-.1pt'>$2,380,027</font><font style='letter-spacing:-.1pt'>, </font><font style='letter-spacing:-.1pt'>$2,569,712</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$2,840,709</font><font style='letter-spacing:-.1pt'>, for the years ended December 31, 2016, 2015 and 2014, respectively.&#160; The net realized gain related to these disposals was </font><font style='letter-spacing:-.1pt'>$155,346</font><font style='letter-spacing:-.1pt'>, </font><font style='letter-spacing:-.1pt'>$311,752</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$20,722</font><font style='letter-spacing:-.1pt'>, for the years ended December 31, 2016, 2015 and 2014, respectively. Although the intent is to buy and hold a bond to maturity the Company will sell a bond prior to maturity if conditions have changed within the entity that issued the bond to increase the risk of default to an unacceptable level.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='text-align:justify'><font style='letter-spacing:-.1pt'>There were no investments, aggregated by issuer, in excess of 10% of shareholders&#146; equity (before net unrealized gains and losses on available-for-sale securities) at December 31, 2016, other than investments issued or guaranteed by the United States Government.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='text-align:justify'><font style='letter-spacing:-.1pt'>Major categories of net investment income for the years ended December 31, are as follows: </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="42%" valign="top" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="17%" valign="top" style='width:17.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="top" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="top" style='width:16.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="top" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="top" style='width:18.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 8,972,877 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 8,168,441 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 8,229,451 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Equity securities</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 270,942 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 269,795 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 212,917 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 8,963,105 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 7,696,533 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 7,550,110 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Real estate</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 10,969,828 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 9,454,567 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 8,433,895 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 781,188 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 749,917 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 741,220 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Insurance assignments</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 11,876,836 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 8,915,655 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 7,324,964 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other investments</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 25,122 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,533 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:30.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Short-term investments, principally gains on &#160;&#160; sale of mortgage loans</p> </td> <td width="17%" valign="bottom" style='width:17.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 4,976,180 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 7,594,014 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 5,072,418 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Gross investment income</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 46,836,078 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 42,855,455 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 37,564,975 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Investment expenses</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (9,253,634)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (8,847,551)</p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (9,261,235)</p> </td> </tr> <tr style='height:15.75pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net investment income</p> </td> <td width="17%" valign="bottom" style='width:17.48%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 37,582,444 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 34,007,904 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="18%" valign="bottom" style='width:18.54%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 28,303,740 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Net investment income includes net investment income earned by the restricted assets of the cemeteries and mortuaries of </font><font style='letter-spacing:-.1pt'>$419,360</font><font style='letter-spacing:-.1pt'>, </font><font style='letter-spacing:-.1pt'>$369,632</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$356,369</font><font style='letter-spacing:-.1pt'> for the years ended December 31, 2016, 2015 and 2014, respectively.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Net investment income on real estate consists primarily of rental revenue received under short-term leases. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Investment expenses consist primarily of depreciation, property taxes, operating expenses of real estate and an estimated portion of administrative expenses relating to investment activities.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Securities on deposit for regulatory authorities as required by law amounted to </font><font style='letter-spacing:-.1pt'>$9,269,121</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$8,815,542</font><font style='letter-spacing:-.1pt'> at December 31, 2016 and 2015, respectively. The restricted securities are included in various assets under investments on the accompanying consolidated balance sheets.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>Real Estate </b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company continues to strategically deploy resources into real estate to match the income and yield durations of its primary obligations. The sources for these real estate assets come through its various business segments in the form of acquisition, development and mortgage foreclosures. The Company reports real estate held for investment pursuant to the accounting policy discussed in Note 1 and Note 16 of the Notes to Consolidated Financial Statements. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><u><font style='letter-spacing:-.1pt'>Commercial Real Estate Held for Investment</font></u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company owns and manages commercial real estate assets as a means of generating investment income. These assets are acquired in accordance with the Company&#146;s goals and objectives for risk-adjusted returns. Due diligence is conducted on each asset using internal and third party reports. Geographic locations and asset classes of the investment activity is determined by senior management under the direction of the Board of Directors.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company employs full-time employees to attend to the day-to-day operations of those assets within the greater Salt Lake area and close surrounding markets.&#160; The Company utilizes third party property managers when the geographic boundary does not warrant full-time staff or through strategic lease-up periods. The Company generally looks to acquire assets in regions that are high growth regions for employment and population and in assets that provide operational efficiencies. </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company currently owns and operates 13 commercial properties in 7 states. These properties include industrial warehouses, office buildings, retail centers and includes the redevelopment and expansion of its corporate campus in Salt Lake City Utah. The assets are primarily held without debt; however, the Company does use debt in strategic cases to leverage established yields or to acquire higher quality or different class of asset. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The following is a summary of the Company&#146;s investment in commercial real estate for the periods presented:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="42%" colspan="3" valign="bottom" style='width:42.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Net Ending Balance</p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="31%" colspan="3" valign="bottom" style='width:31.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Square Footage</p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="42%" colspan="3" valign="bottom" style='width:42.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="31%" colspan="3" valign="bottom" style='width:31.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Arizona</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 450,538 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1)</p> </td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 463,774 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1)</p> </td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 16,270 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 16,270 </p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Arkansas</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 100,369 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 3,200 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Kansas</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 12,450,297 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 11,537,335 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;222,679 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;222,679 </p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Louisiana</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 518,700 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 7,063 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mississippi</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 3,818,985 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 33,821 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>New Mexico</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,000 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1)</p> </td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,000 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1)</p> </td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Texas</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 3,734,974 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 3,768,542 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 23,470 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 23,470 </p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Utah</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 47,893,073 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(2)</p> </td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 17,403,746 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> 433,244 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> 253,244 </p> </td> </tr> <tr style='height:5.45pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.75pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="17%" valign="bottom" style='width:17.86%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 68,973,936 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="17%" valign="bottom" style='width:17.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 33,180,397 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.34%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> 739,747 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.34%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> 515,663 </p> </td> </tr> <tr style='height:15.75pt'> <td width="16%" valign="top" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" colspan="3" valign="bottom" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1) Includes Vacant Land</p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="82%" colspan="7" valign="bottom" style='width:82.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(2) Includes 53rd Center to be completed in July 2017.</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><u><font style='letter-spacing:-.1pt'>Residential Real Estate Held for Investment</font></u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company owns a portfolio of residential homes primarily as a result of loan foreclosures.&#160; The strategy has been to lease these homes to produce cash flow, and allow time for the economic fundamentals to return to the various markets. As an orderly and active market for these homes returns, the Company has the option to dispose or to continue and hold them for cash flow and acceptable returns.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company established Security National Real Estate Services (&#147;SNRE&#148;) in 2013 to manage the residential portfolio. SNRE cultivates and maintains the preferred vendor relationships necessary to manage costs and quality of work performed on the portfolio of homes across the country.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>As of December 31, 2016, SNRE manages 129 residential properties in 8 states across the United States which includes a newly constructed apartment complex, Dry Creek at East Village, in Sandy Utah.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The following is a summary of the Company&#146;s investment in residential real estate for the periods presented:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="66%" colspan="3" valign="bottom" style='width:66.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Net Ending Balance</p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="66%" colspan="3" valign="bottom" style='width:66.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Arizona</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 742,259 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 944,614 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>California</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 5,848,389 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 6,158,253 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Colorado</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 364,489 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 553,230 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Florida</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 8,327,355 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 9,203,624 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Illinois</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 165,800 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Oklahoma</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 46,658 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 99,862 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Oregon</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 120,000 </p> </td> </tr> <tr style='height:15.0pt'> <td width="33%" colspan="2" valign="bottom" style='width:33.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>South Carolina</p> </td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;823,872 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Texas</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160; 1,091,188 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 1,198,860 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Utah</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 59,485,466 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 62,117,738 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Washington</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160; 286,181 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 286,182 </p> </td> </tr> <tr style='height:15.75pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="32%" valign="bottom" style='width:32.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 76,191,985 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="29%" valign="bottom" style='width:29.5%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 81,672,035 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><u><font style='letter-spacing:-.1pt'>Real Estate Owned and Occupied by the Company</font></u></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The primary business units of the Company occupy a portion of the real estate owned by the Company.&#160; Currently, the Company occupies nearly 80,000 square feet, or 10% of the overall commercial real estate holdings.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>As of December 31, 2016, real estate owned and occupied by the company is summarized as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>Mortgage Loans</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>Mortgage loans consist of first and second mortgages. The mortgage loans bear interest at rates ranging from 2.0 % to 10.5%, maturity dates range from three months to 30 years and are secured by real estate. Concentrations of credit risk arise when a number of mortgage loan debtors have similar economic characteristics that would cause their ability to meet contractual obligations to be similarly affected by changes in economic conditions. Although the Company has a diversified mortgage loan portfolio consisting of residential mortgages, commercial loans and residential construction loans and requires collateral on all real estate exposures, a substantial portion of its debtors&#146; ability to honor obligations is reliant on the economic stability of the geographic region in which the debtors do business. At December 31, 2016, the Company has 42%, 14%, 9%, 8% and 7% of its mortgage loans from borrowers located in the states of Utah, California, Texas, Florida and Nevada, respectively. The mortgage loans on real estate balances on the consolidated balance sheet are reflected net of an allowance for loan losses of $1,748,783 and $1,848,120 at December 31, 2016 and 2015, respectively.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Company establishes a valuation allowance for credit losses in its portfolio. The following is a summary of the allowance for loan losses as a contra-asset account for the periods presented:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:11.25pt'> <td width="100%" colspan="8" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Allowance for Credit Losses and Recorded Investment in Mortgage Loans</p> </td> </tr> <tr style='height:11.25pt'> <td width="100%" colspan="8" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years Ended December 31</p> </td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:22.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Commercial </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Residential </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Residential Construction </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Total </p> </td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b><u>2016</u></b></p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Allowance for credit losses:</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Beginning balance</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,560,877 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,848,120 </p> </td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Charge-offs</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (420,135)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (420,135)</p> </td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Provision</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 320,798 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 320,798 </p> </td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,461,540 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,748,783 </p> </td> </tr> <tr style='height:8.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 187,470 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 187,470 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,274,070 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,561,313 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:4.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans:</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 51,536,622 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 58,593,622 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 40,800,117 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 150,930,361 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,184,425 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 51,333,630 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 55,677,084 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 40,735,222 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 147,745,936 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:4.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b><u>2015</u></b></p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Allowance for credit losses:</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Beginning balance</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,715,812 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,003,055 </p> </td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Charge-offs</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (123,942)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (123,942)</p> </td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Provision</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (30,993)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (30,993)</p> </td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,560,877 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,848,120 </p> </td> </tr> <tr style='height:8.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 305,962 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 305,962 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,254,915 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,542,158 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:4.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans:</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 33,522,978 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 46,020,490 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 34,851,557 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 114,395,025 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 3,087,161 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,180,430 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 33,522,978 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 42,933,329 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 34,758,287 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 111,214,594 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The following is a summary of the aging of mortgage loans for the periods presented.</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.0pt'> <td width="100%" colspan="10" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Age Analysis of Past Due Mortgage Loans </p> </td> </tr> <tr style='height:12.0pt'> <td width="100%" colspan="10" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years Ended December 31</p> </td> </tr> <tr style='height:3.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> </tr> <tr style='height:21.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;30-59 Days Past Due </p> </td> <td width="9%" valign="bottom" style='width:9.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;60-89 Days Past Due </p> </td> <td width="9%" valign="bottom" style='width:9.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Greater Than 90 Days 1) </p> </td> <td width="10%" valign="bottom" style='width:10.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> In Process of Foreclosure 1) </p> </td> <td width="9%" valign="bottom" style='width:9.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Total Past Due </p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Current </p> </td> <td width="11%" valign="bottom" style='width:11.36%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Total Mortgage Loans </p> </td> <td width="10%" valign="bottom" style='width:10.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Allowance for Loan Losses </p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Net Mortgage Loans </p> </td> </tr> <tr style='height:12.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b><u>2016</u></b></p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> </tr> <tr style='height:12.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 51,333,630 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 51,536,622 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (187,129)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 51,349,493 </p> </td> </tr> <tr style='height:12.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 964,960 </p> </td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 996,779 </p> </td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,290,355 </p> </td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,626,183 </p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,878,277 </p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,715,345 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 58,593,622 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,461,540)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 57,132,082 </p> </td> </tr> <tr style='height:18.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential &#160; Construction</p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;64,895 </p> </td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,735,222 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,800,117 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (100,114)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,700,003 </p> </td> </tr> <tr style='height:3.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="9%" valign="bottom" style='width:9.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 964,960 </p> </td> <td width="9%" valign="bottom" style='width:9.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 996,779 </p> </td> <td width="9%" valign="bottom" style='width:9.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 1,355,250 </p> </td> <td width="10%" valign="bottom" style='width:10.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,829,175 </p> </td> <td width="9%" valign="bottom" style='width:9.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,146,164 </p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 145,784,197 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 150,930,361 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; (1,748,783)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 149,181,578 </p> </td> </tr> <tr style='height:3.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> </tr> <tr style='height:12.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b><u>2015</u></b></p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> </tr> <tr style='height:12.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,522,978 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,522,978 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (187,129)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 33,335,849 </p> </td> </tr> <tr style='height:12.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,162,102 </p> </td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 884,143 </p> </td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,212,993 </p> </td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,087,161 </p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,346,399 </p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 38,674,091 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 46,020,490 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,560,877)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 44,459,613 </p> </td> </tr> <tr style='height:18.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential &#160; Construction</p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 158,164 </p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,693,393 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,851,557 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (100,114)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,751,443 </p> </td> </tr> <tr style='height:3.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="9%" valign="bottom" style='width:9.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,162,102 </p> </td> <td width="9%" valign="bottom" style='width:9.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 884,143 </p> </td> <td width="9%" valign="bottom" style='width:9.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,277,888 </p> </td> <td width="10%" valign="bottom" style='width:10.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,180,430 </p> </td> <td width="9%" valign="bottom" style='width:9.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 7,504,563 </p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 106,890,462 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 114,395,025 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (1,848,120)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 112,546,905 </p> </td> </tr> <tr style='height:15.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b><u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></b></p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:12.0pt'> <td width="67%" colspan="7" valign="bottom" style='width:67.66%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>1)&#160; There was not any interest income recognized on loans past due greater than 90 days or in foreclosure.</p> </td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:-27.0pt;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Impaired Mortgage Loans</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Impaired mortgage loans include loans with a related specific valuation allowance or loans whose carrying amount has been reduced to the expected collectible amount because the impairment has been considered other than temporary. The recorded investment in and unpaid principal balance of impaired loans along with the related loan specific allowance for losses, if any, for each reporting period and the average recorded investment and interest income recognized during the time the loans were impaired were as follows: </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:11.25pt'> <td width="100%" colspan="10" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Impaired Loans</p> </td> </tr> <tr style='height:11.25pt'> <td width="100%" colspan="10" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years Ended December 31</p> </td> </tr> <tr style='height:33.75pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="11%" valign="bottom" style='width:11.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Recorded Investment </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="12%" valign="bottom" style='width:12.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Unpaid Principal Balance </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="11%" valign="bottom" style='width:11.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Related Allowance </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="14%" valign="bottom" style='width:14.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Average Recorded Investment </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="11%" valign="bottom" style='width:11.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Interest Income Recognized </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b><u>2016</u></b></p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With no related allowance recorded:</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;- </p> </td> </tr> <tr style='height:3.95pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With an allowance recorded:</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;374,501 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:3.95pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total:</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 374,501 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:3.95pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b><u>2015</u></b></p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With no related allowance recorded:</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:3.95pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With an allowance recorded:</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 3,087,161 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 3,087,161 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 305,962 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,087,161 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:3.95pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total:</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 3,087,161 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 3,087,161 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 305,962 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,087,161 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:-27.0pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Credit Risk Profile Based on Performance Status </u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company&#146;s mortgage loan portfolio is monitored based on performance of the loans. Monitoring a mortgage loan increases when the loan is delinquent or earlier if there is an indication of impairment. The Company defines non-performing mortgage loans as loans 90&nbsp;days or greater delinquent or on non-accrual status. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company&#146;s performing and non-performing mortgage loans were as follows: </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:11.25pt'> <td width="100%" colspan="16" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortgage Loan Credit Exposure</p> </td> </tr> <tr style='height:11.25pt'> <td width="100%" colspan="16" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Credit Risk Profile Based on Payment Activity</p> </td> </tr> <tr style='height:11.25pt'> <td width="100%" colspan="16" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years Ended December 31</p> </td> </tr> <tr style='height:4.15pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="8%" valign="bottom" style='width:8.36%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="9%" valign="bottom" style='width:9.76%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="10%" valign="bottom" style='width:10.96%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> </tr> <tr style='height:11.25pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Commercial </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Residential </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Residential Construction </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="22%" colspan="3" valign="bottom" style='width:22.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Total </p> </td> </tr> <tr style='height:11.25pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="8%" valign="bottom" style='width:8.36%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.76%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="8%" valign="bottom" style='width:8.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="10%" valign="bottom" style='width:10.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:7.5pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="8%" valign="bottom" style='width:8.36%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="9%" valign="bottom" style='width:9.76%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="10%" valign="bottom" style='width:10.96%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:11.25pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Performing</p> </td> <td width="8%" valign="bottom" style='width:8.36%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 51,333,630 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.76%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 33,522,978 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 55,677,084 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 40,720,336 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 40,735,222 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 34,693,393 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="10%" valign="bottom" style='width:10.96%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 147,745,936 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 108,936,707 </p> </td> </tr> <tr style='height:11.25pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Non-performing</p> </td> <td width="8%" valign="bottom" style='width:8.36%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.76%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,300,154 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 158,164 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="10%" valign="bottom" style='width:10.96%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,184,425 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,458,318 </p> </td> </tr> <tr style='height:6.75pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="8%" valign="bottom" style='width:8.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.76%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.96%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.0pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="8%" valign="bottom" style='width:8.36%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 51,536,622 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.76%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 33,522,978 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.98%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 58,593,622 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="8%" valign="bottom" style='width:8.68%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 46,020,490 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 40,800,117 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 34,851,557 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 150,930,361 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 114,395,025 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Non-Accrual Mortgage Loans</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Once a loan is past due 90 days, it is the policy of the Company to end the accrual of interest income on the loan and write off any income that had been accrued. Interest not accrued on these loans totals $172,000 and $268,000 as of December 31, 2016 and 2015, respectively.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The following is a summary of mortgage loans on a non-accrual status for the periods presented.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="42%" valign="bottom" style='width:42.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="57%" colspan="3" valign="bottom" style='width:57.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortgage Loans on Non-accrual Status</p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="bottom" style='width:42.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="57%" colspan="3" valign="bottom" style='width:57.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years Ended December 31</p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="bottom" style='width:42.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> </p> </td> <td width="26%" valign="bottom" style='width:26.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="3%" valign="bottom" style='width:3.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="27%" valign="bottom" style='width:27.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="bottom" style='width:42.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="26%" valign="bottom" style='width:26.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="3%" valign="bottom" style='width:3.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="27%" valign="bottom" style='width:27.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="bottom" style='width:42.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="26%" valign="bottom" style='width:26.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,916,538 </p> </td> <td width="3%" valign="bottom" style='width:3.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="27%" valign="bottom" style='width:27.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,300,154 </p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="bottom" style='width:42.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential construction</p> </td> <td width="26%" valign="bottom" style='width:26.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;64,895 </p> </td> <td width="3%" valign="bottom" style='width:3.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="27%" valign="bottom" style='width:27.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 158,164 </p> </td> </tr> <tr style='height:13.5pt'> <td width="42%" valign="bottom" style='width:42.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="26%" valign="bottom" style='width:26.56%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,184,425 </p> </td> <td width="3%" valign="bottom" style='width:3.7%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="27%" valign="bottom" style='width:27.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,458,318 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Principal Amounts Due</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The amortized cost and contractual payments on mortgage loans on real estate and construction loans held for investment by category as of December 31, 2016 are shown below. Expected principal payments may differ from contractual obligations because certain borrowers may elect to pay off mortgage obligations with or without early payment penalties.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160; Principal&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160; Principal&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160; Principal&#160; </p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Amounts</p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Amounts</p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Amounts</p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Due in</p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Due in</p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Due </p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2017</p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2018-2021</p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Thereafter</p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential&#160; </p> </td> <td width="18%" valign="bottom" style='width:18.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 58,593,622 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 6,115,360 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 11,916,728 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 40,561,534 </p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential Construction</p> </td> <td width="18%" valign="bottom" style='width:18.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,800,117 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 32,504,143 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 8,295,974 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; -&#160;&#160; </p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="18%" valign="bottom" style='width:18.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 51,536,622 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 26,697,442 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 20,682,311 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 4,156,869 </p> </td> </tr> <tr style='height:15.75pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="18%" valign="bottom" style='width:18.48%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 150,930,361 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.98%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 65,316,945 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.06%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 40,895,013 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.06%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 44,718,403 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b>Loan Loss Reserve</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>When a repurchase demand corresponding to a mortgage loan previously sold to a third party investor is received from a third-party investor, the relevant data is reviewed and captured so that an estimated future loss can be calculated. The key factors that are used in the estimated loss calculation are as follows: (i) lien position, (ii) payment status, (iii) claim type, (iv) unpaid principal balance, (v) interest rate, and (vi) validity of the demand. Other data is captured and is useful for management purposes; the actual estimated loss is generally based on these key factors. The Company conducts its own review upon the receipt of a repurchase demand. In many instances, the Company is able to resolve the issues relating to the repurchase demand by the third-party investor without having to make any payments to the investor.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The following is a summary of the loan loss reserve which is included in other liabilities and accrued expenses:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="47%" colspan="3" valign="bottom" style='width:47.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance, beginning of period</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,805,900 </p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,718,150 </p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Provision for current loan originations (1)</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,988,754 </p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,845,940 </p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Additional provision for loan loss reserve</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1700,000 </p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,449,103 </p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Charge-offs and settlements</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,866,921)</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (5,207,293)</p> </td> </tr> <tr style='height:13.5pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance, at December 31</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="21%" valign="bottom" style='width:21.9%;border:none;border-bottom:double windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 627,733 </p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="21%" valign="bottom" style='width:21.9%;border:none;border-bottom:double windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,805,900 </p> </td> </tr> <tr style='height:13.5pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="21%" valign="bottom" style='width:21.9%;border:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="21%" valign="bottom" style='width:21.9%;border:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:13.5pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:0in;text-indent:0in;text-autospace:ideograph-numeric ideograph-other'>(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Included in Mortgage fee income</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company believes the loan loss reserve represents probable loan losses incurred as of the balance sheet date. Actual loan loss experience could change, in the near-term, from the established reserve based upon claims that could be asserted by third party investors. <font style='letter-spacing:-.1pt'>SecurityNational Mortgage believes there is potential to resolve any alleged claims by third party investors on acceptable terms. If SecurityNational Mortgage is unable to resolve such claims on acceptable terms, legal action may ensue. In the event of legal action by any third-party investor, SecurityNational Mortgage believes it has significant defenses to any such action and intends to vigorously defend itself against such action.</font><font style='letter-spacing:-.1pt'> </font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>3)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Receivables</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Receivables consist of the following:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="47%" colspan="3" valign="bottom" style='width:47.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Trade contracts</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,482,175 </p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,890,489 </p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Receivables from sales agents</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,016,393 </p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,280,423 </p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Held in Escrow &#150; Southern Security</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 107,388 </p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 245,088 </p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,122,890 </p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,345,690 </p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total receivables</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,728,846 </p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;7,761,690 </p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Allowance for doubtful accounts</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,355,482)</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,700,696)</p> </td> </tr> <tr style='height:15.75pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net receivables</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="22%" valign="bottom" style='width:22.04%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,373,364 </p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="22%" valign="bottom" style='width:22.04%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,060,994 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>4) &#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Value of Business Acquired and Goodwill</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Information with regard to value of business acquired is as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="3%" valign="top" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="52%" colspan="4" valign="top" style='width:52.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="top" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="top" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Balance at beginning of year</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 8,743,773 </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 8,547,627 </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Value of&#160; business acquired</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,473,272 </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Imputed interest at 7%</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 45,762 </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 590,108 </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Amortization</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (1,219,235)</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (1,867,234)</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net amortization charged to income</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (1,173,473)</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (1,277,126)</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Balance at end of year</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 7,570,300 </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 8,743,773 </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Presuming no additional acquisitions, net amortization charged to income is expected to approximate </font><font style='letter-spacing:-.1pt'>$1,119,000</font><font style='letter-spacing:-.1pt'>, </font><font style='letter-spacing:-.1pt'>$1,041,000</font><font style='letter-spacing:-.1pt'>, </font><font style='letter-spacing:-.1pt'>$966,000</font><font style='letter-spacing:-.1pt'>, </font><font style='letter-spacing:-.1pt'>$899,000</font><font style='letter-spacing:-.1pt'>, and </font><font style='letter-spacing:-.1pt'>$835,000</font><font style='letter-spacing:-.1pt'> for the years 2017 through 2021. Actual amortization may vary based on changes in assumptions or experience. As of December 31, 2016, value of business acquired is being amortized over a weighted average life of 5.4 years.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Information with regard to goodwill acquired is as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="42%" valign="top" style='width:42.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="3%" valign="top" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="53%" colspan="3" valign="top" style='width:53.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="top" style='width:42.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="top" style='width:25.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="top" style='width:25.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="top" style='width:42.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Balance at beginning of year</p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="bottom" style='width:25.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="bottom" style='width:25.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="top" style='width:42.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Goodwill acquired</p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="bottom" style='width:25.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="bottom" style='width:25.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="top" style='width:42.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="bottom" style='width:25.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="bottom" style='width:25.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:7.5pt'> <td width="42%" valign="bottom" style='width:42.5%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="25%" valign="bottom" style='width:25.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="25%" valign="bottom" style='width:25.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:15.75pt'> <td width="42%" valign="top" style='width:42.5%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Balance at end of year</p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="25%" valign="bottom" style='width:25.22%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="25%" valign="bottom" style='width:25.22%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Goodwill is not amortized but tested annually for impairment. The annual impairment tests resulted in no impairment of goodwill.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>5) &#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Property and Equipment</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The cost of property and equipment is summarized below:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="49%" valign="top" style='width:49.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="3%" valign="top" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="47%" colspan="3" valign="top" style='width:47.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="top" style='width:49.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="top" style='width:22.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="top" style='width:22.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="top" style='width:49.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>&#160;Land and buildings </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,155,665 </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,126,195 </p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="top" style='width:49.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>&#160;Furniture and equipment </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 19,548,521 </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 16,613,862 </p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="top" style='width:49.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,704,186 </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 29,740,057 </p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="top" style='width:49.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'> Less accumulated depreciation </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (19,912,664)</p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (18,298,397)</p> </td> </tr> <tr style='height:13.5pt'> <td width="49%" valign="top" style='width:49.0%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'> Total </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="22%" valign="bottom" style='width:22.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,791,522 </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="22%" valign="bottom" style='width:22.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 11,441,660 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Depreciation expense for the years ended December 31, 2016, 2015 and 2014 was </font><font style='letter-spacing:-.1pt'>$2,182,724</font><font style='letter-spacing:-.1pt'>, </font><font style='letter-spacing:-.1pt'>$2,183,496</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$2,177,165</font><font style='letter-spacing:-.1pt'>, respectively.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>6)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Bank and Other Loans Payable </u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Bank loans payable are summarized as follows: </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" colspan="3" valign="bottom" style='width:22.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;December 31 </p> </td> </tr> <tr style='height:15.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>1.65% above the monthly LIBOR rate (0.625% at December 31, 2016) note payable in monthly installments of $13,741 including principal and interest, collateralized by real property with a book value of approximately $498,000, due November 2017.&#160;&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 147,346 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 312,240 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mark to market of interest rate swaps (discussed below) adjustment</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,308 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,947 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>6.50% note payable in monthly installments of $1,702 including principal and interest, collateralized by real property with a book value of approximately $278,000, due October 2041.&#160;&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 251,072 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:60.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:60.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>2.25% above the monthly LIBOR rate (0.625% at December 31, 2016) plus 1/16th of the monthly LIBOR rate note payable in monthly principal payments of $13,167 plus interest, collateralized by real property with a book value of approximately $4,564,000, due October 2021.</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:60.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:60.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 3,133,787 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:60.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:60.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 3,260,266 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>3.85% note payable in monthly installments of $86,059 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due January 2018.</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,093,349 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 2,062,512 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>4.27% note payable in monthly installments of $53,881 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due November 2021.</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 2,904,354 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:5.25pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>4.40% note payable in monthly installments of $46,825 including principal and interest, collateralized by real property with a book value of approximately $12,060,000, due January 2026.</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 7,927,526 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 8,135,438 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>4.329% note payable in monthly installments of $9,775 including principal and interest, collateralized by real property with a book value of approximately $3,048,000, due September 2025.</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,992,056 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 2,020,993 </p> </td> </tr> <tr style='height:6.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>2.5% above the monthly LIBOR rate (0.625% at December 31, 2016) plus 1/16th of the monthly LIBOR rate construction loan payable, collateralized by real property with a book value of approximately $31,835,000, due August 2019.</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 8,777,941 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:6.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>2.60% above 90 day LIBOR rate (0.99789% at December 31, 2016) note payable in monthly installments of approximately $123,800, collateralized by real property with a book value of approximately $35,798,000, due October 2019.</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 27,377,114 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 24,933,346 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>1 month LIBOR rate (0.625% at December 31, 2016) plus 3% loan purchase agreement with a warehouse line availability of $100,000,000, matures June 2018</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 76,843,180 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 61,302,069 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>1 month LIBOR rate (0.625% at December 31, 2016) plus 3% loan purchase agreement with a warehouse line availability of $100,000,000, matures September 2017</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 21,578,951 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 28,794,630 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:15.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other collateralized bank loans payable</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 109,734 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 169,212 </p> </td> </tr> <tr style='height:15.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other notes payable</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 961 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 961 </p> </td> </tr> <tr style='height:15.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:11.0pt;text-autospace:ideograph-numeric ideograph-other'>Total bank and other loans</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 152,140,679 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 131,005,614 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Less current installments</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 101,177,574 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 119,734,751 </p> </td> </tr> <tr style='height:15.75pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Bank and other loans, excluding current installments</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;background:white;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 50,963,105 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;background:white;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 11,270,863 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>During 2001, the Company entered into an interest rate swap instrument that effectively fixed the interest rate on the note payable at 6.34% per annum. Management considers the interest rate swap instrument an effective cash flow hedge against the variable interest rate on the bank note since the interest rate swap mirrors the term of the note payable and expires on the maturity date of the bank loan it hedges. The interest rate swap is a derivative financial instrument carried at its fair value.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>In the event the swap is terminated, any resulting gain or loss would be deferred and amortized to interest expense over the remaining life of the bank loan it hedged. In the event of early extinguishment of the hedged bank loan, any realized or unrealized gain or loss from the hedging swap would be recognized in income coincident with the extinguishment.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>At December 31, 2016 and 2015, the fair value of the interest rate swap was an unrealized loss of $3,308 and $13,947, respectively, and was computed based on the underlying variable Libor rate plus 1.65%, or 2.65% per annum. The unrealized loss resulted in a derivative liability of $3,308 and $13,947 and has been reflected in accumulated other comprehensive income. The change in accumulated other comprehensive income from the interest rate swap in 2016 and 2015 was $10,639 and $17,423, respectively. The fair value of the interest rate swap was derived from a proprietary model of the bank from whom the interest rate swap was purchased and to whom the note is payable.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;text-autospace:ideograph-numeric ideograph-other'>The Company has a $2,000,000 revolving line-of-credit with a bank with interest payable at the prime rate minus .75% (3.00% at December 31, 2016), secured by the capital stock of Security National Life and maturing September 30, 2017, renewable annually. <font style='letter-spacing:0pt'>At December 31, 2016,&nbsp;the Company was&nbsp;contingently liable under a standby letter of credit aggregating $560,350,&nbsp;to be&nbsp;used as collateral to cover any contingency related to additional risk assessments pertaining to the Company's captive insurance program and under a standby letter of credit aggregating $48,220</font> issued as a security deposit to guarantee payment of final bills for electric and gas utility services for a commercial real estate property owned by the Company in Wichita, Kansas<font style='letter-spacing:0pt'>. The Company does not expect any material losses to result from the issuance of the standby letter of credit because claims are not expected to exceed premiums paid. </font>As of December 31, 2016, there were no amounts outstanding under the revolving line-of-credit.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company has a $2,500,000 revolving line-of-credit with a bank with interest payable at the overnight LIBOR rate plus 2.25% (2.9375% at December 31, 2016) maturing September 14, 2017. At December 31, 2016, SecurityNational Mortgage was contingently liable under a standby letter of credit aggregating $1,250,000, to be used as collateral to cover any contingency relating to claims filed in states where SecurityNational Mortgage is licensed. The Company does not expect any material losses to result from the issuance of the standby letters of credit. As of December 31, 2016, there were no amounts outstanding under the revolving line-of-credit.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company, through its subsidiary SecurityNational Mortgage, has a $100,000,000 line of credit with Wells Fargo Bank N.A. The agreement charges interest at the 1-Month LIBOR rate plus 3% and matures on June 16, 2018. &nbsp;&nbsp;SecurityNational Mortgage is required to maintain an adjusted tangible net worth of $19,000,000, unrestricted cash of $10,000,000, indebtedness to adjusted tangible net worth of 12:1, liquidity overhead coverage of 1.75:1, and a quarterly gross profit of at least $1. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company, through its subsidiary SecurityNational Mortgage, also uses a line of credit with Texas Capital Bank N.A. &nbsp;&nbsp;This agreement with the bank allows SecurityNational Mortgage to borrow up to $100,000,000 for the sole purpose of funding mortgage loans.&nbsp; SecurityNational Mortgage is currently approved to borrow $30,000,000 of the $100,000,000 available.&nbsp; The agreement charges interest at the 1-Month LIBOR rate plus 3% and matures on September 7, 2017. The Company is required to maintain an adjusted tangible net worth of $70,000,000, unrestricted cash of $15,000,000, and no two consecutive quarters with a net loss. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>In addition to financial covenants of these agreements, the Company is required to carry insurance policies for errors and omissions and general liability and was in compliance with all debt covenants as of December 31, 2016.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The following tabulation shows the combined maturities of bank loans payable, lines of credit and notes and contracts payable:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="35%" style='width:35.18%;margin-left:92.25pt;border-collapse:collapse'> <tr style='height:15.5pt'> <td width="45%" valign="bottom" style='width:45.16%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>2017</p> </td> <td width="54%" valign="bottom" style='width:54.84%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 101,177,574 </p> </td> </tr> <tr style='height:15.5pt'> <td width="45%" valign="bottom" style='width:45.16%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>2018</p> </td> <td width="54%" valign="bottom" style='width:54.84%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,539,638 </p> </td> </tr> <tr style='height:15.5pt'> <td width="45%" valign="bottom" style='width:45.16%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>2019</p> </td> <td width="54%" valign="bottom" style='width:54.84%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 36,128,905 </p> </td> </tr> <tr style='height:15.5pt'> <td width="45%" valign="bottom" style='width:45.16%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>2020</p> </td> <td width="54%" valign="bottom" style='width:54.84%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,066,254 </p> </td> </tr> <tr style='height:15.5pt'> <td width="45%" valign="bottom" style='width:45.16%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>2021</p> </td> <td width="54%" valign="bottom" style='width:54.84%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,436,591 </p> </td> </tr> <tr style='height:15.5pt'> <td width="45%" valign="bottom" style='width:45.16%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Thereafter</p> </td> <td width="54%" valign="bottom" style='width:54.84%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,791,717 </p> </td> </tr> <tr style='height:16.25pt'> <td width="45%" valign="bottom" style='width:45.16%;padding:0in 5.4pt 0in 5.4pt;height:16.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="54%" valign="bottom" style='width:54.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:16.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 152,140,679 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt'><font style='letter-spacing:0pt'>Interest expense in 2016, 2015 and 2014 was </font><font style='letter-spacing:0pt'>$5,111,868</font><font style='letter-spacing:0pt'>, </font><font style='letter-spacing:0pt'>$4,458,612</font><font style='letter-spacing:0pt'> and </font><font style='letter-spacing:0pt'>$2,994,429</font><font style='letter-spacing:0pt'>, respectively. </font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>7) &#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>State law requires the Company to pay into endowment care trusts a portion of the proceeds from the sale of certain cemetery property interment rights for cemeteries that have established an endowment care trust. These endowment care trusts are defined as variable interest entities pursuant to generally accepted accounting principles. Also, management has determined that the Company is the primary beneficiary of these trusts, as it absorbs both a majority of the losses and returns associated with the trusts. The Company has consolidated cemetery endowment care trust investments with a corresponding amount recorded as Cemetery Perpetual Care Obligation in the accompanying consolidated balance sheets<i>. </i></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The components of the cemetery perpetual care obligation are as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:13.5pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="37%" colspan="3" valign="bottom" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Trust investments, at market value</p> </td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 4,131,885 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,848,759 </p> </td> </tr> <tr style='height:15.0pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Note receivables from Cottonwood Mortuary</p> </td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:11.0pt;text-autospace:ideograph-numeric ideograph-other'>Singing Hills Cemetery and Memorial Estates</p> </td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>eliminated in consolidation</p> </td> <td width="17%" valign="bottom" style='width:17.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,725,714 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,780,618 </p> </td> </tr> <tr style='height:15.0pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total trust assets</p> </td> <td width="17%" valign="bottom" style='width:17.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,857,599 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,629,377 </p> </td> </tr> <tr style='height:15.0pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cemetery perpetual care obligation</p> </td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (3,598,580)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (3,465,771)</p> </td> </tr> <tr style='height:15.75pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fair value of trust assets in excess of trust obligations</p> </td> <td width="17%" valign="bottom" style='width:17.64%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,259,019 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="17%" valign="bottom" style='width:17.64%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,163,606 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company has also established certain restricted trust investments to provide for future merchandise and service obligations incurred in connection with its pre-need sales. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:12.0pt'><font style='letter-spacing:-.1pt'>Assets in the restricted asset account are summarized as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.0pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="38%" colspan="3" valign="bottom" style='width:38.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cash and cash equivalents</p> </td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 8,070,972 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 7,206,863 </p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mutual funds</p> </td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 645,241 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 596,994 </p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities</p> </td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,775 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,775 </p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Equity securities</p> </td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 91,362 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 89,450 </p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Participating in mortgage loans with Security National Life</p> </td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,575,044 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,457,720 </p> </td> </tr> <tr style='height:15.75pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="17%" valign="bottom" style='width:17.78%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 10,391,394 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="17%" valign="bottom" style='width:17.78%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 9,359,802 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>A surplus note receivable in the amount of $4,000,000 at December 31, 2016 and 2015, from Security National Life, was eliminated in consolidation.&#160; See Notes 1 and 16 for additional information regarding restricted assets.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>8)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Income Taxes</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company&#146;s income tax liability (benefit) is summarized as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="64%" valign="bottom" style='width:64.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="35%" colspan="3" valign="bottom" style='width:35.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="bottom" style='width:64.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="bottom" style='width:64.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Current</p> </td> <td width="16%" valign="bottom" style='width:16.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ (1,511,762)</p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; (215,366)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="bottom" style='width:64.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Deferred</p> </td> <td width="16%" valign="bottom" style='width:16.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 25,830,631 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 20,628,255 </p> </td> </tr> <tr style='height:15.75pt'> <td width="64%" valign="bottom" style='width:64.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="16%" valign="bottom" style='width:16.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 24,318,869 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.34%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 20,412,889 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Significant components of the Company&#146;s deferred tax (assets) and liabilities are approximately as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="64%" valign="bottom" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="35%" colspan="3" valign="bottom" style='width:35.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="top" style='width:16.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="top" style='width:16.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets</p> </td> <td width="16%" valign="top" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="top" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future policy benefits</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ (9,719,058)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ (7,551,336)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Loan loss reserve</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (288,590)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (1,163,700)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unearned premium</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (1,519,722)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (1,610,684)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Available for sale securities</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (51,266)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (150,984)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net operating loss</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (1,531,160)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;(588,537)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Deferred compensation</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (2,225,208)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (1,994,927)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Deposit obligations</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (1,033,580)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (1,026,984)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (3,384,144)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (3,694,959)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Less: Valuation allowance</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 431,802 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total deferred tax assets</p> </td> <td width="16%" valign="bottom" style='width:16.62%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; (19,320,926)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; (17,782,111)</p> </td> </tr> <tr style='height:5.25pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Liabilities</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Deferred policy acquisition costs</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 18,150,517 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 14,838,604 </p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Basis difference in property and equipment</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 10,749,036 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 9,375,146 </p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Value of business acquired</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,573,902 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 2,972,883 </p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Deferred gains</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 9,290,123 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 6,902,888 </p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Trusts</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,599,657 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 1,599,657 </p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Tax on unrealized appreciation</p> </td> <td width="16%" valign="bottom" style='width:16.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,788,322 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 2,721,188 </p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total deferred tax liabilities</p> </td> <td width="16%" valign="bottom" style='width:16.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 45,151,557 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 38,410,366 </p> </td> </tr> <tr style='height:15.75pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net deferred tax liability</p> </td> <td width="16%" valign="bottom" style='width:16.62%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 25,830,631 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.22%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 20,628,255 </p> </td> </tr> <tr style='height:5.25pt'> <td width="64%" valign="bottom" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:12.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:12.0pt'>The valuation allowance relates to differences between recorded deferred tax assets and liabilities and ultimate anticipated realization.&#160; For the year ended December 31, 2016, the Company recorded a valuation allowance of $431,802 that relates to the acquisition of First Guaranty Insurance Company that was completed on July 11, 2016.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company paid $2,667,918, $2,716,161 and $408,939 in income taxes for the years ended December 31, 2016, 2015 and 2014, respectively.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company&#146;s income tax expense (benefit) is summarized as follows for the years ended December 31:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Current</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160; Federal</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 1,138,196 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 2,423,846 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 1,532,539 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160; State</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 245,764 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 412,175 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 121,124 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,383,960 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,836,021 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,653,663 </p> </td> </tr> <tr style='height:5.45pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Deferred</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160; Federal</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 5,686,651 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 4,413,336 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,406,545 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160; State</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 443,993 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 412,674 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 449,911 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 6,130,644 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 4,826,010 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,856,456 </p> </td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160; </p> </td> <td width="15%" valign="bottom" style='width:15.3%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 7,514,604 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; </p> </td> <td width="15%" valign="bottom" style='width:15.3%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 7,662,031 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; </p> </td> <td width="15%" valign="bottom" style='width:15.3%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 5,510,119 </p> </td> </tr> <tr style='height:4.5pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The reconciliation of income tax expense at the U.S. federal statutory rates is as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Computed expense at statutory rate</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 6,699,099 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160; 7,144,580 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160; 4,667,165 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>State tax expense, net of federal tax benefit</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 455,240 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 544,400 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 376,883 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Change in valuation allowance</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 431,802 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other, net</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (71,537)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (26,949)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 466,071 </p> </td> </tr> <tr style='height:15.75pt'> <td width="42%" valign="bottom" style='width:42.76%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Tax expense</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.94%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160; 7,514,604 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.94%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160; 7,662,031 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.94%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160; 5,510,119 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>At December 31, 2016, the Company had no significant unrecognized tax benefits. As of December 31, 2016, the Company does not expect any material changes to the estimated amount of unrecognized tax benefits in the next twelve months. Federal and state income tax returns for 2013 through 2016 are subject to examination by taxing authorities. </p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>9)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Reinsurance, Commitments and Contingencies</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Reinsurance</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company follows the procedure of reinsuring risks in excess of a specified limit, which ranged from $25,000 to $100,000 during the years 2016 and 2015. The Company is liable for these amounts in the event such reinsurers are unable to pay their portion of the claims. The Company has also assumed insurance from other companies having insurance in force amounting to approximately </font><font style='letter-spacing:-.1pt'>$110,000</font><font style='letter-spacing:-.1pt'> (unaudited) and approximately </font><font style='letter-spacing:-.1pt'>$1,468,935,000</font><font style='letter-spacing:-.1pt'> (unaudited) at December 31, 2016 and 2015, respectively. The Company terminated its participation in Servicemembers&#146; Group Life Insurance in 2016 causing this assumed insurance in force amount to decrease.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:.5in;line-height:115%;margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:normal'><u>Reinsurance Agreement with North America Life Insurance Company</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font lang="EN-CA">On May 8, 2015, the Company, through its wholly owned subsidiary, Security National Life, signed a paid-up business offer under a coinsurance agreement that was effective December 1, 2010 to reinsure certain life insurance policies from North America Life Insurance Company (&#147;North America Life&#148;). Pursuant to the paid-up business offer, North America Life ceded and transferred to Security National Life all contractual obligations and risks under the coinsured policies. Security National Life paid a ceding commission to North America Life in the amount of $281,908. As a result of the ceding commission, North America Life transferred $8,900,282 of cash and $9,182,190 in statutory reserves, or liabilities, to Security National Life.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:.5in;line-height:115%;margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:normal'><u>Reinsurance Agreement with American Republic Insurance Company</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font lang="EN-CA">On February 11, 2015, the Company, through its wholly owned subsidiary, Security National Life, signed a coinsurance agreement to reinsure certain life insurance policies from American Republic Insurance Company (&#147;American Republic&#148;).&#160; The policies were previously reinsured by North America Life under a coinsurance agreement between World Insurance Company (&#147;World Insurance&#148;) and North America Life that was entered into on July 22, 2009, which was subsequently commuted.&nbsp; World Insurance was subsequently purchased by and merged into American Republic.&nbsp; The current coinsurance agreement is now between Security National Life and American Republic and became effective on January 1, 2015.&nbsp; As part of the coinsurance agreement, American Republic transferred all contractual obligations and risks to Security National Life and Security National Life took control of $15,004,771 of assets in a trust account held by Texas Capital Bank as the trustee. The assets have subsequently been moved to a trust account held by Zions Bank as the trustee.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:.5in;line-height:115%;margin:0in;margin-bottom:.0001pt;text-align:justify'><b>Mortgage Loan Loss Settlements</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:.5in;line-height:115%;margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:normal'>Future loan losses can be extremely difficult to estimate. However, management believes that the Company&#146;s reserve methodology and its current practice of property preservation allow it to estimate potential losses on loans sold. The additional amounts expensed for loan losses in years ended December 31, 2016, 2015 and 2014 were $1,700,000 and $3,449,103, and $1,000,000, respectively and the charge has been included in selling, general and administrative expenses. &#160;The estimated liability for indemnification losses is included in other liabilities and accrued expenses and, as of December 31, 2016 and 2015, the balances were $628,000 and $2,806,000, respectively. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><b>Settlement of Investigation by U.S. Department of Justice and the Office of the Inspector General for the U.S. Department of Housing and Urban Development (HUD) of Certain FHA-Insured Mortgage Loans Originated </b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:.5in;line-height:115%;margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:normal'>On September 30, 2016, the Company, through its wholly owned subsidiary, SecurityNational Mortgage, announced the execution of a settlement agreement with the U.S. Department of Justice and the United States Attorney's Office in connection with the origination and underwriting by SecurityNational Mortgage of certain Federal Housing Administration (FHA) insured loans.&#160; SecurityNational Mortgage, like many other high volume FHA-approved lenders, was being reviewed by the U.S. Department of Justice and the Office of the Inspector General of the U.S. Department of Housing and Urban Development (HUD) for loan origination activities that occurred as long as nine years ago.&#160; </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:.5in;line-height:115%;margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:normal'>Without any admission of liability and in order to avoid the extended distractions and expenses associated with protracted litigation, SecurityNational Mortgage made a business decision to resolve this matter.&#160; Pursuant to the settlement agreement, SecurityNational Mortgage was required to make a payment in the amount of $4,250,000 to the U.S. Department of Justice, which payment was made on October 4, 2016. SecurityNational Mortgage continues to be able to originate FHA-insured mortgage loans and participate fully in all FHA programs as this settlement agreement does not affect SecurityNational Mortgage's status with the Department of Housing and Urban Development.&#160; In addition, this settlement does not include any allegations or findings against any particular individuals, such as officers, directors, employees or agents of SecurityNational Mortgage.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b>Mortgage Loan Loss Litigation</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><b>Lehman Brothers and Aurora Loan Services Litigation - Utah</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>On April 15, 2005, SecurityNational Mortgage entered into a Loan Purchase Agreement with Lehman Brothers Bank, FSB (&#147;Lehman Bank&#148;) which agreement incorporated a Seller's Guide.&#160; Pursuant to the Loan Purchase Agreement, Lehman Bank purchased mortgage loans from time to time from SecurityNational Mortgage.&#160; Lehman Bank asserted that certain of the mortgage loans that it purchased from SecurityNational Mortgage contained alleged misrepresentations and early payment defaults.&#160; As a result, Lehman Bank contended it had the right to require SecurityNational Mortgage to repurchase certain loans or be liable for losses related to such Loans under the Loan Purchase Agreement. SecurityNational Mortgage disagreed with these claims.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>On December 17, 2007, SecurityNational Mortgage entered into an Indemnification Agreement with Lehman Bank and Aurora Loan Services LLC (&#147;Aurora&#148;).&#160; Under the terms of the Indemnification Agreement, SecurityNational Mortgage agreed to indemnify Lehman Bank and Aurora for certain amounts of actual losses, as defined, that Lehman Bank and Aurora may incur on account of the alleged breaches and early payment defaults pertaining to certain identified loans. A reserve account was set up to cover said losses.&#160; From the time the reserve account was established, approximately $4,300,000 was taken from the reserve account to indemnify Lehman Bank and Aurora for alleged losses.&#160; On March 28, 2011, Aurora Bank FSB (formerly known as Lehman Brothers Bank, FSB) (&#147;Aurora Bank&#148;) and Aurora allegedly assigned certain rights and remedies under the Indemnification Agreement to Lehman Brothers Holdings, Inc. (&quot;Lehman Holdings&quot;).</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>On May 11, 2011, SecurityNational Mortgage filed a complaint against Aurora Bank and Aurora in the United States District Court, Utah, which was assigned to Judge David Nuffer.&#160; The allegations in the complaint included breach of the Indemnification Agreement.&#160; SecurityNational Mortgage claimed it was entitled to a judgment of approximately $4,000,000 against Aurora Bank, as well as Aurora to the extent of its involvement, for payments which should not have been taken from the reserve account.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>On June 8, 2011, Lehman Holdings, which had filed for bankruptcy in September 2008, filed a complaint in the United States District Court, Utah against SecurityNational Mortgage. The case was assigned to Judge Ted Stewart. The complaint alleged claims for damages for breach of contract and breach of warranty pursuant to the Loan Purchase Agreement, as well as alleged early payment default loans, and initially claimed damages in excess of $5,000,000.&#160; Lehman Holdings further alleged that Aurora Bank sold mortgage loans to it and assigned contractual rights and remedies.&#160; SecurityNational Mortgage strongly disagreed with the claims in Lehman Holdings&#146; complaint. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>On November 29, 2016, Judge Nuffer entered a judgment in favor of SecurityNational Mortgage Company, jointly and severally against Aurora Commercial Corporation (successor by merger to Aurora Bank), Aurora Bank and Aurora. The amount of the judgment was $3,892,974 principal, plus interest through May 31, 2014 in the amount of $1,674,240, plus interest for each day after May 31, 2014 until judgment (dated November 29, 2016) at the rate of $960 per diem. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>In December 2016, the cases before Judge Nuffer and Judge Stewart were settled. Final settlement agreements were executed on December 20, 2016, which were effective as of December 9, 2016. Under the terms of the settlement, payments were made by Aurora Commercial to SecurityNational Mortgage, and by SecurityNational Mortgage to Lehman Holdings. The net result of the settlement involving both of the Utah cases was that $2,125,000 more was paid to Lehman Holdings. Additionally, the release agreed to by the parties covered claims arising from the sale of mortgage loans by SecurityNational Mortgage to Aurora Bank or Lehman Holdings that were included in the Utah cases.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b>Lehman Brothers Litigation &#150; Delaware and New York</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>In January 2014, Lehman Holdings entered into a settlement with the Federal National Mortgage Association (Fannie Mae) concerning the mortgage loan claims asserted by Fannie Mae against Lehman Holdings that were based on alleged breaches of certain representations and warranties by Lehman Holdings.&#160; Lehman Holdings had acquired these loans from Aurora Bank, which in turn purchased the loans from residential mortgage loan originators, including SecurityNational Mortgage.&#160; A settlement based on similar circumstances was entered into between Lehman Holdings and the Federal Home Loan Mortgage Corporation (Freddie Mac) in February 2014.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Lehman Holdings filed a motion in May 2014 with the U.S. Bankruptcy Court of the Southern District of New York to require the mortgage loan originators, including SecurityNational Mortgage, to engage in non-binding mediations of its alleged indemnification claims against the mortgage loan originators relative to the Fannie Mae and Freddie Mac settlements with Lehman Holdings.&#160; The mediation was not successful in resolving any issues between SecurityNational Mortgage and Lehman Holdings.&#160; </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>On January 26, 2016, SecurityNational Mortgage filed a declaratory judgment action against Lehman Holdings in the Superior Court for the State of Delaware.&#160; In the Delaware action, SecurityNational Mortgage asserted its right to obtain a declaration of rights in that there are allegedly millions of dollars in dispute with Lehman Holdings pertaining to approximately 136 loans.&#160; SecurityNational Mortgage sought declaratory judgment as to its rights as it contends that it has no liability to Lehman Holdings as a result of Lehman Holdings&#146; settlements with Fannie Mae and Freddie Mac.&#160; Lehman Holdings filed a motion in the Delaware court seeking to stay or dismiss the declaratory judgment action.&#160; On August 24, 2016, the Court ruled that it would exercise its discretion to decline jurisdiction over the action and granted Lehman Holdings&#146; motion to dismiss.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>On February 3, 2016, Lehman Holdings filed an adversary proceeding against approximately 150 mortgage loan originators, including SecurityNational Mortgage, in the U.S. Bankruptcy Court of the Southern District of New York seeking a declaration of rights similar in nature to the declaration that SecurityNational Mortgage sought in its Delaware lawsuit, and for damages relating to the defendants&#146; obligations under indemnification provisions of the alleged agreements, in amounts to be determined at trial, including interest, attorneys&#146; fees and costs incurred by Lehman Holdings in enforcing the obligations of the defendants.&#160; A Case Management Order (&#147;CMO&#148;) was entered on November 1, 2016.&#160; On December 27, 2016, pursuant to the CMO, Lehman Holdings filed a Second Amended Complaint against SecurityNational Mortgage.&#160; The case is presently in a motion period and no Answer is required to be filed by SecurityNational Mortgage pending further order of the Court.&#160; SecurityNational Mortgage denies that it has any liability to Lehman Holdings and intends to vigorously protect and defend such position.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b>Non-Cancelable Leases</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company leases office space and equipment under various non-cancelable agreements, with remaining terms up to five years. Minimum lease payments under these non-cancelable operating leases as of December 31, 2016, are approximately as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="55%" style='width:55.04%;border-collapse:collapse'> <tr style='height:5.85pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:5.85pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years Ending</p> </td> <td width="53%" valign="bottom" style='width:53.0%;padding:0in 5.4pt 0in 5.4pt;height:5.85pt'></td> </tr> <tr style='height:12.6pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:12.6pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><u>December 31</u></p> </td> <td width="53%" valign="bottom" style='width:53.0%;padding:0in 5.4pt 0in 5.4pt;height:12.6pt'></td> </tr> <tr style='height:13.5pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2017</p> </td> <td width="53%" valign="bottom" style='width:53.0%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 6,556,093 </p> </td> </tr> <tr style='height:9.0pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2018</p> </td> <td width="53%" valign="bottom" style='width:53.0%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,121,399 </p> </td> </tr> <tr style='height:11.25pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2019</p> </td> <td width="53%" valign="bottom" style='width:53.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,583,941 </p> </td> </tr> <tr style='height:8.1pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:8.1pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2020</p> </td> <td width="53%" valign="bottom" style='width:53.0%;padding:0in 5.4pt 0in 5.4pt;height:8.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160; 1,151,873 </p> </td> </tr> <tr style='height:4.0pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2021</p> </td> <td width="53%" valign="bottom" style='width:53.0%;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 496,713 </p> </td> </tr> <tr style='height:30.25pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:30.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="53%" valign="bottom" style='width:53.0%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:30.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 14,910,019 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Total rent expense related to non-cancelable operating leases for the years ended December 31, 2016, 2015, and 2014 was approximately </font><font style='letter-spacing:-.1pt'>$7,879,000</font><font style='letter-spacing:-.1pt'>, </font><font style='letter-spacing:-.1pt'>$7,199,000</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$5,589,000</font><font style='letter-spacing:-.1pt'>, respectively.</font> </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b>Other Contingencies and Commitments</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company has entered into commitments to fund construction and land development loans and has also provided financing for land acquisition and development. As of December 31, 2016, the Company&#146;s commitments were approximately $56,422,000, for these loans of which $40,800,000 had been funded. The Company will advance funds once the work has been completed and an independent inspection is made. The maximum loan commitment ranges between 50% and 80% of appraised value. The Company receives fees and interest for these loans and the interest rate is generally fixed 5.50% to 8.00% per annum. Maturities range between six and eighteen months.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company belongs to a captive insurance group for&nbsp;certain casualty insurance, worker compensation and liability programs. Insurance reserves are maintained relative to these programs. The level of exposure from catastrophic events is limited by the purchase of stop-loss and aggregate liability reinsurance coverage. When estimating the insurance liabilities and related reserves, the captive insurance management considers a number of factors, which include historical claims experience, demographic factors, severity factors and valuations provided by independent third-party actuaries. If actual claims or adverse development of loss reserves occurs and exceed these estimates, additional reserves may be required. The estimation process contains uncertainty since captive insurance management must use judgment to estimate the ultimate cost that will be incurred to settle reported claims and unreported claims for incidents incurred but not reported as of the balance sheet date. At December 31, 2016, $416,576 of reserves was established related to such insurance programs versus $834,855 at December 31, 2015.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company is a defendant in various other legal actions arising from the normal conduct of business. Management believes that none of the actions will have a material effect on the Company&#146;s financial position or results of operations. Based on management&#146;s assessment and legal counsel&#146;s representations concerning the likelihood of unfavorable outcomes, no amounts have been accrued for the above claims in the consolidated financial statements.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company is not a party to any other material legal proceedings outside the ordinary course of business or to any other legal proceedings, which, if adversely determined, would have a material adverse effect on its financial condition or results of operations.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>10)&#160;&#160;&#160;&#160;&#160;&#160; <u>Retirement Plans</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company and its subsidiaries have a noncontributory Employee Stock Ownership Plan (&#147;ESOP&#148;) for all eligible employees. Eligible employees are primarily those with more than one year of service, who work in excess of 1,000 hours per year. Contributions, which may be in cash or stock of the Company, are determined annually by the Board of Directors. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company&#146;s contributions are allocated to eligible employees based on the ra<font style='letter-spacing:0pt'>tio of each eligible employee&#146;s compensation to total compensation for all eligible employees during each year.</font><font style='letter-spacing:0pt'> </font>The Company did not make any contributions for the years ended December 31, 2016, 2015 and 2014.<font style='letter-spacing:0pt'> At December 31, 2016, the ESOP held </font><font style='letter-spacing:0pt'>500,450</font><font style='letter-spacing:0pt'> shares of Class A and </font><font style='letter-spacing:0pt'>265,623</font><font style='letter-spacing:0pt'> shares of Class C common stock of the Company. All shares held by the ESOP have been allocated to the participating employees and all shares held by the ESOP are considered outstanding for purposes of computing earnings per share.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company has three 401(k) savings plans covering all eligible employees, as defined above, which includes employer participation in accordance with the provisions of Section 401(k) of the Internal Revenue Code. The plans allow participants to make pretax contributions up to a maximum of </font><font style='letter-spacing:-.1pt'>$18,000</font><font style='letter-spacing:-.1pt'>, </font><font style='letter-spacing:-.1pt'>$18,000</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$17,500</font><font style='letter-spacing:-.1pt'> for the years 2016, 2015 and 2014, respectively or the statutory limits.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Beginning January 1, 2008, the Company elected to be a &#147;Safe Harbor&#148; Plan for its matching 401(k) contributions. The Company matched 100% of up to 3% of an employee&#146;s total annual compensation and matched 50% of 4% to 5% of an employee&#146;s annual compensation. The match was in Company stock. The Company&#146;s contribution for the years ended December 31, 2016, 2015 and 2014 was $1,429,962, $1,197,236 and $899,850, respectively under the &#147;Safe Harbor&#148; plan.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>In 2001, the Company&#146;s Board of Directors adopted a Deferred Compensation Plan. Under the terms of the Plan, the Company will provide deferred compensation for a select group of management or highly compensated employees, within the meaning of Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974, as amended. The Board has appointed a Committee of the Company to be the Plan Administrator and to determine the employees who are eligible to participate in the plan. The employees who participate may elect to defer a portion of their compensation into the plan. The Company may contribute into the plan at the discretion of the Company&#146;s Board of Directors. The Company did not make any contributions for 2016, 2015 and 2014.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>On July 16, 2004, the Company entered into an employment agreement with Scott M. Quist, the Chairman of the Board, President and Chief Executive Officer. The agreement is effective as of December 4, 2003 and has a five-year term, but the Company has agreed to renew the agreement on December 4, 2008 and 2013 for additional five-year terms, provided Mr. Quist performs his duties with usual and customary care and diligence. <font style='letter-spacing:0pt'>Under the terms of the agreement, Mr. Quist is to devote his full time to the Company serving as its Chairman of the Board, President, and Chief Executive Officer at not less than his current salary and benefits. The Company also agrees to maintain a group term life insurance policy of not less than $1,000,000 on Mr.&nbsp;Quist&#146;s life and a whole life insurance policy in the amount of $500,000 on Mr.&nbsp;Quist&#146;s life. In the event of disability, Mr.&nbsp;Quist&#146;s salary would be continued for up to five years at 75% of its current level.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'><font style='letter-spacing:0pt'>In the event of a sale or merger of the Company and Mr. Quist is not retained in his current position, the Company would be obligated to continue Mr.&nbsp;Quist&#146;s current compensation and benefits for seven years following the merger or sale. The agreement further provides that Mr. Quist is entitled to receive annual retirement benefits beginning (i) one month from the date of his retirement (to commence no sooner than age 65), (ii) five years following complete disability, or (iii) upon termination of his employment without cause. These retirement benefits are to be paid for a period of twenty years in annual installments in the amount equal to 75% of his then current rate of compensation. However, in the event that Mr. Quist dies prior to receiving all retirement benefits there under, the remaining benefits are to be paid to his heirs. The Company expensed </font><font style='letter-spacing:0pt'>$511,443</font><font style='letter-spacing:0pt'>, </font><font style='letter-spacing:0pt'>$999,961</font><font style='letter-spacing:0pt'> and </font><font style='letter-spacing:0pt'>$833,183</font><font style='letter-spacing:0pt'> during the years ended December 31, 2016, 2015 and 2014, respectively, to cover the present value of anticipated retirement benefits under the employment agreement. The liability accrued is </font><font style='letter-spacing:0pt'>$3,776,368</font><font style='letter-spacing:0pt'> and </font><font style='letter-spacing:0pt'>$3,264,925</font><font style='letter-spacing:0pt'> as of December 31, 2016 and 2015, respectively and is included in &#147;Other liabilities and accrued expenses&#148; on the Consolidated Balance Sheet.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'><font style='letter-spacing:0pt'>On December 31, 2015, J. Lynn Beckstead, Jr., who served as Vice President of Mortgage Operations and President of SecurityNational Mortgage, retired from the Company. Under the terms of the employment agreement that the Company, through its wholly owned subsidiary, SecurityNational Mortgage, had entered into with Mr. Beckstead, Mr. Beckstead is entitled to receive retirement benefits from the Company for a period of ten years in an amount equal to 50% of his current rate of compensation at the time of his retirement, which was $267,685 for the year ended December 31, 2015. Such retirement payments are paid monthly during the ten-year period. In determining Mr. Beckstead&#146;s current rate of compensation, stock option grants and incentive or similar bonuses are not included. In the event Mr. Beckstead dies prior to receiving all of his retirement benefits under his employment agreement, the remaining benefits will be made to his heirs. The Company expensed </font><font style='letter-spacing:0pt'>$148,557</font><font style='letter-spacing:0pt'>, </font><font style='letter-spacing:0pt'>$320,039</font><font style='letter-spacing:0pt'> and </font><font style='letter-spacing:0pt'>$154,817</font><font style='letter-spacing:0pt'> during the years ended December 31, 2016, 2015 and 2014, respectively, to cover the present value of the retirement benefits under the employment agreement. The company paid $133,842 in retirement compensation to Mr. Beckstead during the year ended December 31, 2016. The liability accrued was </font><font style='letter-spacing:0pt'>$1,109,277</font><font style='letter-spacing:0pt'> and </font><font style='letter-spacing:0pt'>$1,093,720</font><font style='letter-spacing:0pt'> as of December 31, 2016 and 2015, respectively and is included in &#147;Other liabilities and accrued expenses&#148; on the Consolidated Balance Sheet.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:0in;text-indent:0in'><font style='letter-spacing:-.1pt'>11)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font><u><font style='letter-spacing:-.1pt'>Capital Stock</font></u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Company has one class of preferred stock of $1.00 par value, 5,000,000 shares authorized, of which none are issued. The preferred stock is non-voting.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company has two classes of common stock with shares outstanding, Class A common shares and Class C common shares. Class C shares have 10 votes per share on all matters except for the election of one third of the directors who are elected solely by the Class A shares. Class C shares are convertible into Class A shares at any time on a one to one ratio. The decrease in treasury stock was the result of treasury stock being used to fund the company&#146;s 401(k) and Deferred Compensation Plans.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Stockholders of both Class A and Class C common stock have received 5% stock dividends in the years 1990 through 2016, as authorized by the Company&#146;s Board of Directors. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company has Class B common stock of $1.00 par value, 5,000,000 shares authorized, of which none are issued. Class B shares are non-voting stock except to any proposed amendment to the Articles of Incorporation which would affect Class B common stock.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font lang="EN-CA">On July 2, 2014, the stockholders</font> approved a 1-for-10 reverse stock split of the Company&#146;s Class C common stock at the Annual Meeting of Stockholders.&#160; Concurrently with the approval of the reverse stock split, the stockholders also approved amendments to Article V of the Company&#146;s Articles of Incorporation to provide that each share of Class C common stock will have weighted voting of ten votes per share and that each share of Class C common stock may be converted into one share of Class A common stock.&#160; The Board of Directors had previously approved the reverse stock split and weighted voting of Class C common stock.&#160; Prior to the approval of the reverse stock split and weighted voting of Class C shares, the Company&#146;s Articles of Incorporation provided that each share of Class C common stock had one vote per share and that Class C common shares were convertible into Class A common shares at a conversion ratio of ten shares of Class C common stock for one share of Class A common stock.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The reverse stock split and weighted voting of the Company's Class C common stock became effective on August 1, 2014, when the Articles of Restatement and Amendment to the Company's Articles of Incorporation were filed with the Utah Division of Corporations and Commercial Code. The reverse stock split affected all of the holders of the Company's Class C common stock uniformly but did not affect any Class C stockholder's percentage ownership interest in the Company or proportionate voting power, except for insignificant changes that resulted from the rounding up of fractional shares. Additionally, the reverse stock split did not impact the existing shares of Class A common stock.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The following table summarizes the activity in shares of capital stock for the three-year period ended December 31, 2016:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="top" style='width:15.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Class A</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Class C&nbsp;(1)&nbsp;&nbsp;&nbsp;</p> </td> </tr> <tr style='height:13.5pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at December 31, 2013</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.92%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 11,807,287 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.8%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,330,191 </p> </td> </tr> <tr style='height:6.0pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Exercise of stock options</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 54,412 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Stock dividends</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 595,020 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;66,384 </p> </td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:10.0pt;text-autospace:ideograph-numeric ideograph-other'>Reverse stock split true up</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 15 </p> </td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Conversion of Class C to Class A</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,521 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;(2,521)</p> </td> </tr> <tr style='height:6.0pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:13.5pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at December 31, 2014</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 12,459,240 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.8%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,394,069 </p> </td> </tr> <tr style='height:6.0pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Exercise of stock options</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 23,961 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 241,652 </p> </td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Stock dividends</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 624,483 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 75,335 </p> </td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Conversion of Class C to Class A</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,416 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,416)</p> </td> </tr> <tr style='height:6.0pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:13.5pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at December 31, 2015</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 13,109,100 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.8%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,709,640 </p> </td> </tr> <tr style='height:6.75pt'> <td width="53%" valign="bottom" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Exercise of stock options</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 42,634 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;104,975 </p> </td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Stock dividends</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 657,919 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 96,967 </p> </td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Conversion of Class C to Class A</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,353 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (9,353)</p> </td> </tr> <tr style='height:6.0pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:13.5pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at December 31, 2016</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 13,819,006 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.8%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,902,229 </p> </td> </tr> <tr style='height:6.75pt'> <td width="53%" valign="bottom" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>(1) Class C shares have been retroactively adjusted for the effect of the 1-for-10 reverse stock split that was approved by the stockholders in 2014.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Earnings per share amounts have been retroactively adjusted for the effect of annual stock dividends. In accordance with accounting principles generally accepted in the United States of America, the basic and diluted earnings per share amounts were calculated as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Numerator:</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 12,188,627 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 13,351,441 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.5%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 8,216,832 </p> </td> </tr> <tr style='height:4.9pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Denominator:</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:11.0pt;text-autospace:ideograph-numeric ideograph-other'>Denominator for basic earnings</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>per share-weighted-average shares</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 14,806,290 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 14,439,274 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 13,893,260 </p> </td> </tr> <tr style='height:4.15pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:11.0pt;text-autospace:ideograph-numeric ideograph-other'>Effect of dilutive securities</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Employee stock options</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 320,914 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 512,559 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 451,215 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Dilutive potential common shares</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;320,914 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 512,559 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 451,215 </p> </td> </tr> <tr style='height:4.9pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:11.0pt;text-autospace:ideograph-numeric ideograph-other'>Denominator for diluted earnings</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:22.0pt;text-autospace:ideograph-numeric ideograph-other'>per share-adjusted weighted-average</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>shares and assumed conversions</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 15,127,204 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 14,951,833 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.5%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 14,344,475 </p> </td> </tr> <tr style='height:.05in'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Basic earnings per share</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </p> </td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.82 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </p> </td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.92 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </p> </td> <td width="14%" valign="bottom" style='width:14.5%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.59 </p> </td> </tr> <tr style='height:16.5pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:16.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Diluted earnings per share</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:16.5pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:16.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.81 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:16.5pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:16.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.89 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:16.5pt'></td> <td width="14%" valign="bottom" style='width:14.5%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:16.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.57 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;line-height:12.0pt'><font style='letter-spacing:-.1pt'>12)&#160;&#160;&#160;&#160;&#160;&#160; <u>Stock Compensation Plans</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company has four fixed option plans (the &#147;2003 Plan&#148;, the &#147;2006 Director Plan&#148;, the &#147;2013 Plan&#148; and the &#147;2014 Director Plan&#148;). Compensation expense for options issued of </font><font style='letter-spacing:-.1pt'>$343,577</font><font style='letter-spacing:-.1pt'>, </font><font style='letter-spacing:-.1pt'>$387,608</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$391,220</font><font style='letter-spacing:-.1pt'> has been recognized under these plans for the years ended December 31, 2016, 2015 and 2014, respectively. As of December 31, 2016, the total unrecognized compensation expense related to the options issued in December 2016 was $374,914, which is expected to be recognized over the vesting period of one year.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The weighted-average fair value of each option granted in 2016 under the 2013 Plan, is estimated at $2.17 for the December 21, 2016 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 54.42%, risk-free interest rate of 1.99%, and an expected term of 5.31 years.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The weighted-average fair value of each option granted in 2016 under the 2014 Director Plan, is estimated at $2.41 for the December 7, 2016 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 54.60%, risk-free interest rate of 1.93%, and an expected term of 5.31 years.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The weighted-average fair value of each option granted in 2016 under the 2013 Plan and the 2014 Director Plan, is estimated at $1.89 for the December 2, 2016 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 47.05%, risk-free interest rate of 1.78%, and an expected term of 4.33 years.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The weighted-average fair value of each option granted in 2015 under the 2014 Director Plan, is estimated at $1.61 for the December 7, 2015 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 43.11%, risk-free interest rate of 1.80%, and an expected term of 5.32 years.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The weighted-average fair value of each option granted in 2015 under the 2013 Plan and the 2014 Director Plan, is estimated at $1.61 for the December 4, 2015 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 43.15%, risk-free interest rate of 1.83%, and an expected term of 5.32 years. The weighted-average fair value of each option granted in 2014 under the 2014 Director Plan, is estimated at $1.56 for the December 7, 2014 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 52.27%, risk-free interest rate of 1.76%, and an expected term of 5.31 years.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The weighted-average fair value of each option granted in 2014 under the 2013 Plan and the 2014 Director Plan, is estimated at $1.56 for the December 5, 2014 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 52.31%, risk-free interest rate of 1.69%, and an expected term of 5.31 years.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The weighted-average fair value of each option granted in 2014 under the 2013 Plan is estimated at $1.74 for the July 2, 2014 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 57.77%, risk-free interest rate of 1.79%, and an expected term of 5.32 years. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company generally estimates the expected life of the options based upon the contractual term of the options adjusted for actual experience.</font><font style='letter-spacing:-.1pt'> </font><font style='letter-spacing:-.1pt'>Future volatility is estimated based upon the weighted historical volatility of the Company&#146;s Class A common stock over a period equal to the estimated life of the options.</font><font style='letter-spacing:-.1pt'> </font><font style='letter-spacing:-.1pt'>Common stock issued upon exercise of stock options are generally new share issuances rather than from treasury shares.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="59%" colspan="3" valign="bottom" style='width:59.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Activity of the stock option plans is summarized as follows:</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:51.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Number of Class A Shares</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Weighted Average Exercise Price</p> </td> <td width="2%" valign="bottom" style='width:2.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Number of Class C Shares</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Weighted Average Exercise Price</p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at December 31, 2013</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 405,133 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; &#160;2.41 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 508,657 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; &#160;2.00 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Adjustment for the effect of stock dividends</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 24,446 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 32,934 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Granted</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 173,500 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 150,000 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Exercised</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (59,713)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Cancelled</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (30,571)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at December 31, 2014</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 512,795 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 3.20 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 691,591 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 2.54 </p> </td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Adjustment for the effect of stock dividends</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 29,335 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 27,497 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Granted</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 133,500 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 100,000 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Exercised</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (26,850)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (241,652)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Cancelled</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (30,519)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at December 31, 2015</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 618,261 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 3.89 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 577,436 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 3.54 </p> </td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Adjustment for the effect of stock dividends</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 35,346 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 26,491 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Granted</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 133,500 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 80,000 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Exercised</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (42,634)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (127,629)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Cancelled</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,500)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at December 31, 2016</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 741,973 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 4.33 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 556,298 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 4.52 </p> </td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Exercisable at end of year</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 601,731 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 3.78 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 472,298 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 4.02 </p> </td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Available options for future grant</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 253,432 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Weighted average contractual term of options</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:11.0pt;text-autospace:ideograph-numeric ideograph-other'>outstanding at December 31, 2016</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>7.37 years</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>2.67 years</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Weighted average contractual term of options</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:11.0pt;text-autospace:ideograph-numeric ideograph-other'>exercisable at December 31, 2016</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>6.77 years</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>2.27 years</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="47%" colspan="2" valign="bottom" style='width:47.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Aggregated intrinsic value of options outstanding</p> </td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>at December 31, 2016 (1)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,452,902 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,079,136 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="47%" colspan="2" valign="bottom" style='width:47.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Aggregated intrinsic value of options exercisable</p> </td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>at December 31, 2016 (1)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,452,574 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,079,136 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="100%" colspan="9" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1) The Company used a stock price of $6.19 as of December 31, 2016 to derive intrinsic value.</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The total intrinsic value (which is the amount by which the fair value of the underlying stock exceeds the exercise price of an option on the exercise date) of stock options exercised during the years ended December 31, 2016 and 2015 was </font><font style='letter-spacing:-.1pt'>$670,959</font><font style='letter-spacing:-.1pt'> and </font><font style='letter-spacing:-.1pt'>$1,190,879</font><font style='letter-spacing:-.1pt'>, respectively.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>13)&#160;&#160;&#160;&#160;&#160;&#160; <u>Statutory Financial Information and Dividend Limitations</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:5.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company&#146;s insurance subsidiaries prepare their statutory-basis financial statements in conformity with accounting practices prescribed or permitted by the insurance department of the applicable state of domicile. Prescribed statutory accounting practices include a variety of publications of the National Association of Insurance Commissioners (&#147;NAIC&#148;), as well as state laws, regulations and general administrative rules. Permitted statutory accounting practices encompass all accounting practices not so prescribed. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>All states require domiciled insurance companies to prepare statutory-basis financial statements in conformity with the NAIC Accounting Practices and Procedures Manual, subject to any deviations prescribed or permitted by the applicable insurance commissioner and/or director. Statutory accounting practices differ from GAAP primarily since they require charging policy acquisition and certain sales inducement costs to expense as incurred, establishing life insurance reserves based on different actuarial assumptions, and valuing certain investments and establishing deferred taxes on a different basis.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Statutory net income and capital and surplus of the Company&#146;s insurance subsidiaries, determined in accordance with statutory accounting practices prescribed or permitted by insurance regulatory authorities are as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="38%" colspan="5" valign="bottom" style='width:38.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Net Income</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="26%" colspan="3" valign="bottom" style='width:26.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Capital and Surplus</p> </td> </tr> <tr style='height:15.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amounts by insurance subsidiary:</p> </td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:30.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Security National Life Insurance Company</p> </td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 2,601,408 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 3,478,338 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 5,137,208 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 36,789,358 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 32,771,066 </p> </td> </tr> <tr style='height:5.25pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:30.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>First Guaranty Insurance Company</p> </td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 174,562 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 4,091,847 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:5.25pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:30.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Memorial Insurance Company of America</p> </td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 460 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 49 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 415 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 1,081,319 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 1,082,059 </p> </td> </tr> <tr style='height:5.25pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:30.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Southern Security Life Insurance Company, Inc.</p> </td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 889 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 491 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 467 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 1,592,440 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 1,590,605 </p> </td> </tr> <tr style='height:4.5pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:30.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Trans-Western Life Insurance Company</p> </td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,203 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (52)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;1,304 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 500,333 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 499,130 </p> </td> </tr> <tr style='height:4.5pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:15.75pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="11%" valign="bottom" style='width:11.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 2,778,522 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 3,478,826 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 5,139,394 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.28%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 44,055,297 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.28%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 35,942,860 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Utah, Arkansas, Louisiana, Mississippi and Texas Insurance Departments impose minimum risk-based capital (&#147;RBC&#148;) requirements that were developed by the NAIC on insurance enterprises. The formulas for determining the RBC specify various factors that are applied to financial balances or various levels of activity based on the perceived degree of risk. Regulatory compliance is determined by a ratio (the &#147;Ratio&#148;) of the enterprise&#146;s regulatory total adjusted capital, as defined by the NAIC, to its authorized control level, as defined by the NAIC. Enterprises below specific trigger points or ratios are classified within certain levels, each of which requires specified corrective action. The life insurance subsidiaries have a combined weighted Ratio that is greater than the first level of regulatory action as of December 31, 2016.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Generally, the net assets of the life insurance subsidiaries available for transfer to the Company are limited to the amounts of the life insurance subsidiaries net assets, as determined in accordance with statutory accounting practices, which were $44,055,297 at December 31, 2016, exceed minimum statutory capital requirements; however, payments of such amounts as dividends are subject to approval by regulatory authorities.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:12.0pt'><font style='letter-spacing:-.1pt'>14)&#160;&#160;&#160;&#160;&#160;&#160; <u>Business Segment Information</u> </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>Description of Products and Services by Segment</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'><font style='font-weight:normal'>The Company has three reportable business segments: life insurance, cemetery and mortuary, and mortgage. The Company&#146;s life insurance segment consists of life insurance premiums and operating expenses from the sale of insurance products sold by the Company&#146;s independent agency force and net investment income derived from investing policyholder and segment surplus funds. The Company&#146;s cemetery and mortuary segment consists of revenues and operating expenses from the sale of at-need cemetery and mortuary merchandise and services at its mortuaries and cemeteries, pre-need sales of cemetery spaces after collection of 10% or more of the purchase price and the net investment income from investing segment surplus funds. The Company&#146;s mortgage segment consists of fee income and expenses from the originations of residential mortgage loans and interest earned and interest expenses from warehousing pre-sold loans before the funds are received from financial institutional investors.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>Measurement of Segment Profit or Loss and Segment Assets</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'><font style='font-weight:normal'>The accounting policies of the reportable segments are the same as those described in the Significant Accounting Principles. Intersegment revenues are recorded at cost plus an agreed upon intercompany profit, and are eliminated upon consolidation.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>Factors Management Used to Identify the Enterprise&#146;s Reportable Segments</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company&#146;s reportable segments are business units that are managed separately due to the different products provided and the need to report separately to the various regulatory jurisdictions. The Company regularly reviews the quantitative thresholds and other criteria to determine when other business segments may need to be reported.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="24%" valign="top" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="75%" colspan="9" valign="top" style='width:75.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016 (As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="top" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Life</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="13%" valign="top" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Cemetery/</p> </td> <td width="15%" colspan="2" valign="bottom" style='width:15.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="13%" valign="top" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Intercompany</p> </td> <td width="15%" colspan="2" valign="bottom" style='width:15.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="top" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Insurance</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortuary</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortgage</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Eliminations</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Consolidated</p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenues:</p> </td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>From external sources:</p> </td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenue from customers</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 66,902,126 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 12,267,640 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 181,141,687 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 260,311,453 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net investment income</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,618,485 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 312,494 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,651,465 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 37,582,444 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Realized gains (losses) on</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>investments and other assets</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (277,040)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 211,429 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (110,776)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (176,387)</p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other than temporary impairments</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (270,358)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (270,358)</p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other revenues</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 632,260 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;88,676 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,166,813 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,887,749 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Intersegment revenues:</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net investment income</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,119,692 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 691,876 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 327,778 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,139,346)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total revenues</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 102,725,165 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,572,115 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 196,176,967 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,139,346)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 304,334,901 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Expenses:</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Death and other policy benefits</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,387,380 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,387,380 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Increase in future policy benefits</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 21,322,195 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 21,322,195 </p> </td> </tr> <tr style='height:38.25pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amortization of deferred policy and preneed acquisition costs and </p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>value of business acquired</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,647,097 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 356,078 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,003,175 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Depreciation</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 596,827 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 390,362 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,195,535 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,182,724 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>General, administrative and</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>other costs: </p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Intersegment</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 148,025 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 219,974 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (367,999)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Provision for loan losses</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,700,000 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,700,000 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Costs related to funding mortgage</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>&#160; loans</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,191,488 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,191,488 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 29,478,156 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,524,535 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 163,730,148 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 203,732,840 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Interest expense:</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Intersegment</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 781,078 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 651,046 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,339,224 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (7,771,348)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,654,264 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 282,878 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,174,726 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,111,868 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total benefits and expenses</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 94,866,997 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,352,924 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 185,551,095 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,139,346)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 284,631,670 </p> </td> </tr> <tr style='height:25.5pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Earnings before income taxes</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,858,168 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,219,191 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 10,625,872 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 19,703,231 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Income tax expense</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,451,292)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (4,063,312)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (7,514,604)</p> </td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,406,876 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$ &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,219,191 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,562,560 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 12,188,627 </p> </td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Identifiable assets</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 821,097,220 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; &#160;&#160;99,611,263 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 171,844,559 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; (140,874,459)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 951,678,583 </p> </td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Goodwill</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Expenditures for long-lived assets</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 532,958 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 723,445 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$ &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,310,108 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,566,511 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="24%" valign="top" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="75%" colspan="9" valign="top" style='width:75.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015 (As Restated)</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="top" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Life</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="13%" valign="top" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Cemetery/</p> </td> <td width="15%" colspan="2" valign="bottom" style='width:15.34%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="13%" valign="top" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Intercompany</p> </td> <td width="15%" colspan="2" valign="bottom" style='width:15.34%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="top" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Insurance</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortuary</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortgage</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Eliminations</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Consolidated</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenues:</p> </td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>From external sources:</p> </td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenue from customers</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 58,883,721 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 11,502,045 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 169,043,426 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 239,429,192 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net investment income</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 25,297,486 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 450,854 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,259,564 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,007,904 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Realized gains (losses) on</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>investments and other assets</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,332,456 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 387,316 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (318,413)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,401,359 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other than temporary impairments</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (413,714)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;(191,716)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (605,430)</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other revenues</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 824,759 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 146,831 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,150,217 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,121,807 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Intersegment revenues:</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net investment income</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,615,338 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,155,180 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 326,822 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (9,097,340)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total revenues</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 94,540,046 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,642,226 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 181,269,900 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (9,097,340)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 280,354,832 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Expenses:</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Death and other policy benefits</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,549,893 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,549,893 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Increase in future policy benefits</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,057,764 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,057,764 </p> </td> </tr> <tr style='height:26.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amortization of deferred policy and preneed acquisition costs and </p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>value of business acquired</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,306,781 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 334,512 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,641,293 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Depreciation</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 710,733 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 403,066 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,069,697 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,183,496 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>General, administrative and</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>other costs: </p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Intersegment</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 156,777 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 199,244 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (356,021)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Provision for loan losses</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,449,103 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,449,103 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Costs related to funding mortgage</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>&#160; loans</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,901,511 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,901,511 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,416,860 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;10,117,012 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 146,565,817 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 184,099,688 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Interest expense:</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Intersegment</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 726,919 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,379,668 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,634,731 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,741,318)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,151,860 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 337,632 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;2,969,120 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,458,612 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total benefits and expenses</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 85,920,810 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,728,667 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 169,789,223 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (9,097,340)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 259,341,360 </p> </td> </tr> <tr style='height:26.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Earnings before income taxes</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,619,236 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;913,559 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 11,480,677 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 21,013,472 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Income tax expense</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,191,370)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (4,470,661)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (7,662,031)</p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,427,866 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 913,559 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,010,016 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 13,351,441 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Identifiable assets</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 721,362,741 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 101,935,898 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 157,283,191 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; (140,108,664)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 840,473,166 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Goodwill</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Expenditures for long-lived assets</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,024,223 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 154,226 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 454,241 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,632,690 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="24%" valign="top" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="75%" colspan="9" valign="top" style='width:75.46%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014 (As Restated)</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="top" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Life</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="13%" valign="top" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Cemetery/</p> </td> <td width="15%" colspan="2" valign="bottom" style='width:15.4%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="14%" valign="top" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Intercompany</p> </td> <td width="15%" colspan="2" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="top" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Insurance</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.12%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortuary</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortgage</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="top" style='width:14.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Eliminations</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Consolidated</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenues:</p> </td> <td width="13%" valign="top" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="top" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>From external sources:</p> </td> <td width="13%" valign="top" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="top" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenue from customers</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 57,037,623 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 11,426,308 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 122,778,529 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 191,242,460 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net investment income</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 23,008,489 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 275,324 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,019,927 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,303,740 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Realized gains (losses) on</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>investments and other assets</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,208,391 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 585,543 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 124,242 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,918,176 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other than temporary impairments</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (164,240)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (164,240)</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other revenues</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 682,682 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 169,464 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,894,867 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,747,013 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Intersegment revenues:</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net investment income</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,128,389 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,288,856 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 642,880 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,060,125)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total revenues</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 87,901,334 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,745,495 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 131,460,445 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,060,125)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 225,047,149 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Expenses:</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Death and other policy benefits</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;29,789,964 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 29,789,964 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Increase in future policy benefits</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,905,914 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,905,914 </p> </td> </tr> <tr style='height:26.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amortization of deferred policy and preneed acquisition costs and </p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>value of business acquired</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,561,589 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 331,389 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,892,978 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Depreciation</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 644,510 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 436,390 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,096,265 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,177,165 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>General, administrative and</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>other costs: </p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Intersegment</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 24,000 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 166,079 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 208,513 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (398,592)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Provision for loan losses</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,000,000 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,000,000 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Costs related to funding mortgage</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>&#160; loans</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,451,319 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,451,319 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 23,045,928 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,245,144 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 110,817,359 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 144,108,429 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Interest expense:</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Intersegment</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 725,354 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,481,317 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,454,860 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (7,661,531)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 578,083 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 421,920 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,994,426 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,994,429 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total benefits and expenses</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 79,275,342 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,082,239 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 127,022,742 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,060,125)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 211,320,198 </p> </td> </tr> <tr style='height:26.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Earnings before income taxes</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,625,992 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 663,256 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,437,703 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 13,726,951 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Income tax expense</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;(3,796,327)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,713,792)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (5,510,119)</p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,829,665 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.12%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 663,256 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,723,911 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.2%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,216,832 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Identifiable assets</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 652,348,803 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.12%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 109,114,226 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; &#160;&#160;130,972,484 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; (142,742,671)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.2%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 749,692,842 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Goodwill</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.12%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.2%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p 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5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Expenditures for long-lived assets</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 660,830 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" 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align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.2%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,520,443 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;line-height:12.0pt'><font style='letter-spacing:-.1pt'>15)&#160;&#160;&#160;&#160;&#160;&#160; <u>Related Party Transactions</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company&#146;s Board of Directors has a written procedure, which requires disclosure to the Board of any material </font>interest or any affiliation on the part of any of its officers, directors or employees that is in conflict or may be in conflict with the interests of the Company. The Company and its Board of Directors is unaware of any related party transactions that require disclosure as of December 31, 2016.</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>16)&#160;&#160;&#160;&#160;&#160;&#160; <u>Fair Value of Financial Instruments</u></font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Generally accepted accounting principles (GAAP) defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants. GAAP also specifies a fair value hierarchy based upon the observability of inputs used in valuation techniques. Observable inputs (highest level) reflect market data obtained from independent sources, while unobservable inputs (lowest level) reflect internally developed market assumptions. Fair value measurements are classified under the following hierarchy:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i>Level 1:&#160; </i>Financial assets and financial liabilities whose values are based on unadjusted quoted prices for identical assets or liabilities in an active market that the Company can access.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:24.0pt;text-align:justify;text-indent:-24.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:24.0pt;text-align:justify;text-indent:-24.0pt'><i>Level 2: </i>Financial assets and financial liabilities whose values are based on the following:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify;text-indent:6.0pt'>a) Quoted prices for similar assets or liabilities in active markets;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.75in;text-align:justify;text-indent:-12.0pt'>b) Quoted prices for identical or similar assets or liabilities in non-active markets; or</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.75in;text-align:justify;text-indent:-12.0pt'>c) Valuation models whose inputs are observable, directly or indirectly, for substantially the full term of the asset or liability.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.75in;text-align:justify;text-indent:-12.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i>Level 3:&#160; </i>Financial assets and financial liabilities whose values are based on prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. These inputs may reflect the Company&#146;s estimates of the assumptions that market participants would use in valuing the financial assets and financial liabilities. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><font style='background:white'>The Company utilizes a combination of third party valuation service providers, brokers, and internal valuation models to determine fair value.</font> </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The following methods and assumptions were used by the Company in estimating the fair value disclosures related to other significant financial instruments:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><font style='background:white'>The items shown under Level 1 and Level 2 are valued as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Securities Available for Sale and Held to Maturity</font></u></i><i><font style='letter-spacing:-.1pt'>: </font></i><font style='letter-spacing:-.1pt'>The fair values of investments in fixed maturity and equity securities along with methods used to estimate such values are disclosed in Note 2 of the Notes to Consolidated Statements.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Restricted Assets</font></u></i><i><font style='letter-spacing:-.1pt'>:</font></i><font style='letter-spacing:-.1pt'> </font><font style='letter-spacing:-.1pt'>A portion of these assets include mutual funds and equity securities that have quoted market prices. Also included are cash and cash equivalents and participations in mortgage loans. The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Cemetery Endowment Care Trust Investments</font></u></i><i><font style='letter-spacing:-.1pt'>:</font></i><font style='letter-spacing:-.1pt'>&#160; A portion of these assets include equity securities that have quoted market prices. Also included are cash and cash equivalents. The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Call and Put Options</font></u></i><i><font style='letter-spacing:-.1pt'>:</font></i><font style='letter-spacing:-.1pt'> The Company uses quoted market prices to value its call and put options.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The items shown under Level 3 are valued as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u>Policyholder Account Balances and Future Policy Benefits-Annuities</u></i>: &#160;<font style='letter-spacing:-.1pt'>Future policy benefit reserves for interest-sensitive insurance products are computed under a retrospective deposit method and represent policy account balances before applicable surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policy account balances. Interest crediting rates for interest-sensitive insurance products ranged from 4% to 6.5%. The fair values for the Company&#146;s liabilities under investment-type insurance contracts (disclosed as policyholder account balances and future policy benefits &#150; annuities) are estimated based on the contracts&#146; cash surrender values.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The fair values for the Company&#146;s insurance contracts other than investment-type contracts are not required to be disclosed. However, the fair values of liabilities under all insurance contracts are taken into consideration in the Company&#146;s overall management of interest rate risk, such that the Company&#146;s exposure to changing interest rates is minimized through the matching of investment maturities with amounts due under insurance contracts.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><i><u>Loan Commitments and Forward Sale Commitments</u></i>: The Company&#146;s mortgage segment enters into loan commitments with potential borrowers and forward sale commitments to sell loans to third-party investors. The Company also uses a hedging strategy for these transactions. A loan commitment binds the Company to lend funds to a qualified borrower at a specified interest rate and within a specified period of time, generally up to 30 days after issuance of the loan commitment. Loan commitments are defined to be derivatives under GAAP and are recognized at fair value on the consolidated balance sheet with changes in their fair values recorded in current earnings.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The Company estimates the fair value of a loan commitment based on the change in estimated fair value of the underlying mortgage loan, quoted MBS prices, estimates of the fair value of mortgage servicing rights, and an estimate of the probability that the mortgage loan will fund within the terms of the commitment net of estimated commission expense. The change in fair value of the underlying mortgage loan is measured from the date the loan commitment is issued and is shown net of related expenses. Following issuance, the value of a mortgage loan commitment can be either positive or negative depending upon the change in value of the underlying mortgage loans. Fallout rates and other factors from the Company&#146;s recent historical data are used to estimate the quantity and value of mortgage loans that will fund within the terms of the commitments.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u>Interest Rate Swaps</u></i>: Management considers the interest rate swap instruments to be an effective cash flow hedge against the variable interest rate on bank borrowings since the interest rate swap mirrors the term of the note payable and expires on the maturity date of the bank loan it hedges. The interest rate swaps are derivative financial instruments carried at its fair value. The fair value of the interest rate swap was derived from a proprietary model of the bank from whom the interest rate swap was purchased and to whom the note is payable.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u>Other Investments</u></i>: The fair values are estimated using one or more valuation techniques for which sufficient and reliable data is available. Factors considered when estimating the fair value include the original transaction price, recent transactions in the same or similar properties, historical lease rates, comparable lease rates of similar properties, discount rates, market capitalization rates, expected vacancy rates, and changes in financial ratios or cash flow. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Mortgage Loans on Real Estate</font></u></i><i><font style='letter-spacing:-.1pt'>: </font></i><font style='letter-spacing:-.1pt'>The fair values are estimated using interest rates currently being offered for similar loans to borrowers with similar credit ratings. Loans with similar characteristics are aggregated for purposes of the calculations. The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Real Estate Held for Investment</font></u></i><font style='letter-spacing:-.1pt'>: </font>The Company believes that in an orderly market fair value will approximate the replacement cost of a home and the rental income provides a cash flow stream for investment analysis. The Company believes the highest and best use of the properties are as income producing assets since it is the Company&#146;s intent to hold the properties as rental properties, matching the income from the investment in rental properties with the funds required for future estimated policy claims. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify'>It should be noted that for replacement cost, when determining the fair value of mortgage properties, the Company uses Marshall and Swift, a provider of building cost information to the real estate construction industry. For the investment analysis, the Company used market data based upon its real estate operation experience and projected the present value of the net rental income over seven years. The Company used 20% of the projected cash flow analysis and 80% of the replacement cost to approximate fair value of the collateral. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>In addition to this analysis performed by the Company, the Company depreciates Real Estate Held for Investment. This depreciation reduces the book value of these properties and lessens the exposure to the Company from further deterioration in real estate values.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u>Mortgage Servicing Rights</u></i>: The Company initially recognizes Mortgage Servicing Rights (&#147;MSRs&#148;) at their estimated fair values derived from the net cash flows associated with the servicing contracts, where the Company assumes the obligation to service the loan in the sale transaction. The precise fair value of MSRs cannot be readily determined because MSRs are not actively traded in stand-alone markets. Considerable judgment is required to estimate the fair values of these assets and the exercise of such judgment can significantly affect the Company&#146;s earnings. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company&#146;s subsequent accounting for MSRs is based on the class of MSRs. The Company has identified two classes of MSRs: MSRs backed by mortgage loans with initial term of 30 years and MSRs backed by mortgage loans with initial term of 15 years. The Company distinguishes between these classes of MSRs due to their differing sensitivities to change in value as the result of changes in market. After being initially recorded at fair value, MSRs backed by mortgage loans are accounted for using the amortization method. MSR amortization is determined by amortizing the balance straight-line over an estimated seven and nine-year life which estimates the proportion to, and over the period of the estimated future net servicing income of the underlying financial assets.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company periodically assesses MSRs for impairment. Impairment occurs when the current fair value of the MSR falls below the asset&#146;s carrying value (carrying value is the amortized cost reduced by any related valuation allowance). If MSRs are impaired, the impairment is recognized in current-period earnings and the carrying value of the MSRs is adjusted through a valuation allowance.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Management periodically reviews the various loan strata to determine whether the value of the MSRs in a given stratum is impaired and likely to recover. When management deems recovery of the value to be unlikely in the foreseeable future, a write-down of the cost of the MSRs for that stratum to its estimated recoverable value is charged to the valuation allowance.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The following table summarizes Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a recurring basis by their classification in the consolidated balance sheet at December 31, 2016, as restated. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:33.75pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="14%" valign="bottom" style='width:14.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Quoted Prices in Active Markets for Identical Assets (Level 1)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Observable Inputs (Level 2)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="14%" valign="bottom" style='width:14.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Unobservable Inputs (Level 3)</p> </td> </tr> <tr style='height:27.0pt'> <td width="37%" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets accounted for at fair value on a &#160;&#160; recurring basis</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Common stock</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total securities available for sale</p> </td> <td width="14%" valign="bottom" style='width:14.8%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Restricted assets of cemeteries and mortuaries</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 736,603 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 736,603 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cemetery perpetual care trust investments</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 698,202 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 698,202 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives - loan commitments</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,911,544 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,911,544 </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other investments</p> </td> <td width="14%" valign="bottom" style='width:14.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,765,752 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,765,752 </p> </td> </tr> <tr style='height:3.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:32.1pt'> <td width="37%" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total assets accounted for at fair value on a &#160;&#160; recurring basis</p> </td> <td width="14%" valign="bottom" style='width:14.8%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 20,685,457 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,008,161 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="10%" valign="bottom" style='width:10.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="14%" valign="bottom" style='width:14.3%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,677,296 </p> </td> </tr> <tr style='height:3.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:30.0pt'> <td width="37%" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Liabilities accounted for at fair value on a &#160;&#160; recurring basis</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policyholder account balances</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (49,421,125)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; (49,421,125)</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future policy benefits - annuities</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (99,388,662)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (99,388,662)</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives&#160; - bank loan interest rate swaps</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,308)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,308)</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:38.25pt;text-autospace:ideograph-numeric ideograph-other'> - call options</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (109,474)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (109,474)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:38.25pt;text-autospace:ideograph-numeric ideograph-other'> - put options</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (26,494)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (26,494)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:48.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;- loan commitments</p> </td> <td width="14%" valign="bottom" style='width:14.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (102,212)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (102,212)</p> </td> </tr> <tr style='height:3.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:32.1pt'> <td width="37%" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total liabilities accounted for at fair value &#160;&#160; on a recurring basis </p> </td> <td width="14%" valign="bottom" style='width:14.8%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; (149,051,275)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (135,968)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="10%" valign="bottom" style='width:10.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="14%" valign="bottom" style='width:14.3%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160; (148,915,307)</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Following is a summary of changes in the consolidated balance sheet line items measured using level 3 inputs:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Policyholder Account Balances </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Future Policy Benefits - Annuities </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Loan Commitments </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Bank Loan Interest Rate Swaps </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="12%" valign="bottom" style='width:12.76%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Other Investments </p> </td> </tr> <tr style='height:6.75pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance - December 31, 2015, as restated</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; (50,694,953)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (69,398,617)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,671,495 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (13,947)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,174,769 </p> </td> </tr> <tr style='height:2.25pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> </tr> <tr style='height:14.25pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Purchases</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (30,294,480)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;600,000 </p> </td> </tr> <tr style='height:2.25pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total Losses (Gains):</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.75pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Included in earnings</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;1,273,828 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 304,435 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (862,163)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Included in other</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>comprehensive income (loss)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,639 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.76%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (9,017)</p> </td> </tr> <tr style='height:5.25pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:15.75pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance - December 31, 2016, as restated</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.4%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; (49,421,125)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.44%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (99,388,662)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,809,332 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.4%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,308)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.76%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,765,752 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a nonrecurring basis by their classification in the consolidated balance sheet at December 31, 2016.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='border-collapse:collapse'> <tr style='height:34.65pt'> <td width="49%" valign="bottom" style='width:49.86%;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="8%" valign="bottom" style='width:8.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Quoted Prices in Active Markets for Identical Assets (Level 1)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Observable Inputs (Level 2)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Unobservable Inputs (Level 3)</p> </td> </tr> <tr style='height:27.75pt'> <td width="49%" valign="bottom" style='width:49.86%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets accounted for at fair value on a &#160;&#160; nonrecurring basis</p> </td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'></td> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'></td> <td width="12%" valign="bottom" style='width:12.78%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate</p> </td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,809,925 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,809,925 </p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights</p> </td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,603,154 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,603,154 </p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Real estate held for investment</p> </td> <td width="13%" valign="bottom" style='width:13.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,347,820 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="7%" valign="bottom" style='width:7.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,347,820 </p> </td> </tr> <tr style='height:6.0pt'> <td width="49%" valign="bottom" style='width:49.86%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="12%" valign="bottom" style='width:12.78%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:26.25pt'> <td width="49%" style='width:49.86%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total assets accounted for at fair value on &#160;&#160; a nonrecurring basis</p> </td> <td width="13%" valign="bottom" style='width:13.04%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 13,760,899 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="7%" valign="bottom" style='width:7.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="12%" valign="bottom" style='width:12.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 13,760,899 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The following table summarizes Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a recurring basis by their classification in the consolidated balance sheet at December 31, 2015, as restated.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:.55in'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.46%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Quoted Prices in Active Markets for Identical Assets (Level 1)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Observable Inputs (Level 2)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Unobservable Inputs (Level 3)</p> </td> </tr> <tr style='height:32.25pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets accounted for at fair value on a &#160;&#160; recurring basis</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Non-redeemable preferred stock</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Common stock</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,431,090 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,431,090 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total securities available for sale</p> </td> <td width="14%" valign="bottom" style='width:14.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,431,090 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,431,090 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Restricted assets of cemeteries and mortuaries</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 686,444 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 686,444 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cemetery perpetual care trust investments</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 630,854 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 630,854 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives - loan commitments</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,779,162 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,779,162 </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other investments</p> </td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,174,769 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,174,769 </p> </td> </tr> <tr style='height:32.1pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total assets accounted for at fair value on a &#160;&#160; recurring basis</p> </td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 18,702,319 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="13%" valign="bottom" style='width:13.46%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,748,388 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="10%" valign="bottom" style='width:10.98%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,953,931 </p> </td> </tr> <tr style='height:6.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:30.75pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Liabilities accounted for at fair value on a &#160;&#160; recurring basis</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policyholder account balances</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (50,694,953)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (50,694,953)</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future policy benefits - annuities</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (69,398,617)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (69,398,617)</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives&#160; - bank loan interest rate swaps</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (13,947)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (13,947)</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'> - call options</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (16,342)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (16,342)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;- put options</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (28,829)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (28,829)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;- </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;- loan commitments</p> </td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (107,667)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (107,667)</p> </td> </tr> <tr style='height:31.5pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total liabilities accounted for at fair value &#160;&#160; on a recurring basis </p> </td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; (120,260,355)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="13%" valign="bottom" style='width:13.46%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (45,171)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="10%" valign="bottom" style='width:10.98%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; (120,215,184)</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:5.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:5.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>Following is a summary of changes in the consolidated balance sheet line items measured using level 3 inputs:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Policyholder Account Balances </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Future Policy Benefits - Annuities </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Loan Commitments </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Bank Loan Interest Rate Swaps </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Other Investments </p> </td> </tr> <tr style='height:7.5pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance - December 31, 2014, as restated</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (45,310,699)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (65,540,985)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,105,605 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (31,370)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:6.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Purchases</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,200,000 </p> </td> </tr> <tr style='height:6.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total Losses (Gains):</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:4.5pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Included in earnings</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (5,384,254)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,857,632)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,565,890 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:5.25pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Included in other</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>comprehensive income (loss)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,423 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (25,231)</p> </td> </tr> <tr style='height:4.15pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> </tr> <tr style='height:15.75pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance - December 31, 2015, as restated</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.74%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (50,694,953)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.74%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (69,398,617)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.8%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,671,495 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.2%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (13,947)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.2%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 1,174,769 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a nonrecurring basis by their classification in the consolidated balance sheet at December 31, 2015.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:8.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:.45in'> <td width="38%" valign="bottom" style='width:38.66%;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="14%" valign="bottom" style='width:14.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Quoted Prices in Active Markets for Identical Assets (Level 1)</p> </td> <td width="2%" valign="bottom" style='width:2.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="11%" valign="bottom" style='width:11.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Observable Inputs (Level 2)</p> </td> <td width="2%" valign="bottom" style='width:2.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Unobservable Inputs (Level 3)</p> </td> </tr> <tr style='height:26.25pt'> <td width="38%" valign="bottom" style='width:38.66%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets accounted for at fair value on a &#160;&#160; nonrecurring basis</p> </td> <td width="12%" valign="bottom" style='width:12.5%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="11%" valign="bottom" style='width:11.78%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate</p> </td> <td width="12%" valign="bottom" style='width:12.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 2,874,468 </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 2,874,468 </p> </td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights</p> </td> <td width="12%" valign="bottom" style='width:12.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 6,217,551 </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,217,551 </p> </td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Real estate held for investment</p> </td> <td width="12%" valign="bottom" style='width:12.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 95,000 </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 95,000 </p> </td> </tr> <tr style='height:27.0pt'> <td width="38%" valign="bottom" style='width:38.66%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total assets accounted for at fair value on &#160;&#160; a nonrecurring basis</p> </td> <td width="12%" valign="bottom" style='width:12.5%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 9,187,019 </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="11%" valign="bottom" style='width:11.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 9,187,019 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:8.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>Fair Value of Financial Instruments Carried at Other Than Fair Value</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>ASC 825, Financial Instruments, requires disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practicable to estimate that value.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Management uses its best judgment in estimating the fair value of the Company&#146;s financial instruments; however, there are inherent limitations in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates presented herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction at December 31, 2016 and 2015. The estimated fair value amounts for December 31, 2016 and 2015 have been measured as of period-end, and have not been reevaluated or updated for purposes of these Consolidated Financial Statements subsequent to those dates. As such, the estimated fair values of these financial instruments subsequent to the reporting date may be different than the amounts reported at period-end. </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of December 31, 2016, as restated:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:4.0pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Carrying Value</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Level 1</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Level 2</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Level 3</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Estimated Fair Value</p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities, held to maturity</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 184,979,644 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; 191,850,749 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 191,850,749 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans:</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 57,132,082 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 61,357,393 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 61,357,393 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential construction</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,700,003 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,700,003 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,700,003 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 51,349,493 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,299,800 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,299,800 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans, net</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 149,181,578 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 155,357,196 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 155,357,196 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Loans held for sale</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 189,139,832 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 192,289,854 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 192,289,854 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,694,148 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,694,148 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,694,148 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Insurance assignments, net</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,477,246 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,477,246 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,477,246 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Short-term investments</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,560,040 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>27,560,040 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,560,040 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 18,872,362 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 25,496,832 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 25,496,832 </p> </td> </tr> <tr style='height:7.15pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Liabilities</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Bank and other loans payable</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; (152,137,341)</p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; (152,137,341)</p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; (152,137,341)</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of December 31, 2015, as restated:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:9.9pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Carrying Value</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Level 1</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Level 2</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Level 3</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Estimated Fair Value</p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities, held to maturity</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 145,558,425 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160; 150,507,158 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 150,507,158 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans:</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 44,459,613 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 47,193,950 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 47,193,950 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential construction</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,751,443 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,751,443 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,751,443 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,335,849 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,778,136 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,778,136 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Loans held for sale</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 112,546,905 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 116,723,529 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 116,723,529 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans, net</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 211,453,006 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 217,646,189 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 217,646,189 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,896,457 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,896,457 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,896,457 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;Insurance assignments, net</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 31,511,195 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 31,511,195 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 31,511,195 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Short-term investments</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 16,915,808 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; -</p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160; 16,915,808</p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 16,915,808 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,679,755 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,897,160 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,897,160 </p> </td> </tr> <tr style='height:7.15pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Liabilities</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Bank and other loans payable</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; (130,991,667)</p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; (130,991,667)</p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; (130,991,667)</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:120%'><font style='line-height:120%;letter-spacing:-.1pt'>The methods, assumptions and significant valuation techniques and inputs used to estimate the fair value of financial instruments are summarized as follows:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:120%'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Fixed Maturity Securities, Held to Maturity</font></u></i><i><font style='letter-spacing:-.1pt'>: </font></i><font style='letter-spacing:-.1pt'>The fair values of fixed maturity securities are based on quoted market prices, when available. For fixed maturity securities not actively traded, fair values are estimated using values obtained from independent pricing services, or in the case of private placements, are estimated by discounting expected future cash flows using a current market value applicable to the coupon rate, credit and maturity of the investments.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:120%'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:120%'><i><u><font style='line-height:120%;letter-spacing:-.1pt'>Mortgage Loans on Real Estate</font></u></i><font style='line-height:120%;letter-spacing:-.1pt'>: The estimated fair value of the Company&#146;s mortgage loans is determined using various methods. The Company&#146;s mortgage loans are grouped into three categories: Residential, Residential Construction and Commercial. When estimating the expected future cash flows, it is assumed that all loans will be held to maturity, and any loans that are non-performing are evaluated individually for impairment.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:120%'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify;line-height:120%'><font style='line-height:120%;letter-spacing:-.1pt'>Residential &#150; The estimated fair value of mortgage loans originated prior to 2013 is determined by estimating expected future cash flows of interest payments and discounting them using current interest rates from single family mortgages. The estimated fair value of mortgage loans originated in 2013 thru 2016 is determined from pricing of similar loans that were sold in 2016.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify;line-height:120%'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify;line-height:120%'><font style='line-height:120%;letter-spacing:-.1pt'>Residential Construction &#150; These loans are primarily short in maturity (4-6 months) accordingly, the estimated fair value is determined to be the net book value.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:120%'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify;line-height:120%'><font style='line-height:120%;letter-spacing:-.1pt'>Commercial &#150; The estimated fair value is determined by estimating expected future cash flows of interest payments and discounting them using current interest rates for commercial mortgages.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:120%'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Loans Held for Sale</font></u></i><i><font style='letter-spacing:-.1pt'>: </font></i><font style='letter-spacing:-.1pt'>The fair value is based on quoted market prices, when available.&nbsp; When a quoted market price is not readily available, the Company uses the market price from its last sale of similar assets.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:120%'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Policy Loans</font></u></i><font style='letter-spacing:-.1pt'>: The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values because they are fully collateralized by the cash surrender value of the underlying insurance policies.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Insurance Assignments, Net</font></u></i><font style='letter-spacing:-.1pt'>: These investments are short in maturity accordingly, the carrying amounts reported in the accompanying condensed consolidated balance sheet for these financial instruments approximate their fair values.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:120%'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><i><u><font style='letter-spacing:-.1pt'>Short-Term Investments</font></u></i><font style='letter-spacing:-.1pt'>: The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values due to their short-term nature.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt'><i><u>Bank and Other Loans Payable</u></i>: The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values <font style='letter-spacing:-.1pt'>due to their short-term nature</font>. </p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt'>17)&#160;&#160;&#160;&#160;&#160;&#160; Accumulated Other Comprehensive Income</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The following summarizes the changes in accumulated other comprehensive income:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="35%" colspan="3" valign="bottom" style='width:35.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unrealized gains (losses) on available for-sale securities</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 996,343 </p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (1,289,508)</p> </td> </tr> <tr style='height:26.25pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Reclassification adjustment for net realized gains in net &#160;&#160; income</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 160,575 </p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;113,751 </p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net unrealized gains (losses) before taxes</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,156,918 </p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (1,175,757)</p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Tax (expense) benefit</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (399,228)</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 404,414 </p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Net</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 757,690 </p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (771,343)</p> </td> </tr> <tr style='height:30.75pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Potential unrealized gains for derivative bank loans &#160;&#160; (interest rate swaps) before taxes</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,639 </p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,423 </p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Tax expense</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (4,149)</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,795)</p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Net</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,490 </p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,628 </p> </td> </tr> <tr style='height:15.75pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Other comprehensive income (loss) changes</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;764,180 </p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (760,715)</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p align="left" style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;text-align:left'>The following is the accumulated balances of other comprehensive income as of December 31, 2016:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:49.5pt'> <td width="47%" valign="top" style='width:47.84%;padding:0in 5.4pt 0in 5.4pt;height:49.5pt'></td> <td width="2%" valign="top" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:49.5pt'></td> <td width="14%" valign="bottom" style='width:14.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:49.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Beginning Balance December 31, 2015</p> </td> <td width="2%" valign="top" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:49.5pt'></td> <td width="14%" valign="bottom" style='width:14.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:49.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Change for the period</p> </td> <td width="2%" valign="top" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:49.5pt'></td> <td width="14%" valign="bottom" style='width:14.76%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:49.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Ending Balance December 31, 2016</p> </td> </tr> <tr style='height:25.5pt'> <td width="47%" valign="top" style='width:47.84%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unrealized net gains (losses) on available-for-sale &#160;&#160; securities and trust investments</p> </td> <td width="2%" valign="top" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.78%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; (490,850)</p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 757,690 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.76%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 266,840 </p> </td> </tr> <tr style='height:3.0pt'> <td width="47%" valign="top" style='width:47.84%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="top" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.78%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.56%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.76%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:25.5pt'> <td width="47%" valign="top" style='width:47.84%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unrealized gains (losses) on derivative &#160;&#160; bank loan interest rate swaps</p> </td> <td width="2%" valign="top" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.78%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,508)</p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,490 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.76%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,018)</p> </td> </tr> <tr style='height:15.75pt'> <td width="47%" valign="top" style='width:47.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other comprehensive income (loss)</p> </td> <td width="2%" valign="top" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.78%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; (499,358)</p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.56%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 764,180 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.76%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 264,822 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p align="left" style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;text-align:left'>The following is the accumulated balances of other comprehensive income as of December 31, 2015:</p> <p align="left" style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;text-align:left'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:56.45pt'> <td width="46%" valign="top" style='width:46.56%;padding:0in 5.4pt 0in 5.4pt;height:56.45pt'></td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:56.45pt'></td> <td width="15%" valign="bottom" style='width:15.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:56.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Beginning Balance December 31, 2014</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:56.45pt'></td> <td width="15%" valign="bottom" style='width:15.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:56.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Change for the period</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:56.45pt'></td> <td width="14%" valign="bottom" style='width:14.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:56.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Ending Balance December 31, 2015</p> </td> </tr> <tr style='height:28.15pt'> <td width="46%" valign="top" style='width:46.56%;padding:0in 5.4pt 0in 5.4pt;height:28.15pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unrealized net gains (losses) on available-for-sale &#160;&#160; securities and trust investments</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:28.15pt'></td> <td width="15%" valign="bottom" style='width:15.52%;padding:0in 5.4pt 0in 5.4pt;height:28.15pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 280,493 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:28.15pt'></td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt;height:28.15pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; (771,343)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:28.15pt'></td> <td width="14%" valign="bottom" style='width:14.66%;padding:0in 5.4pt 0in 5.4pt;height:28.15pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; (490,850)</p> </td> </tr> <tr style='height:1.9pt'> <td width="46%" valign="top" style='width:46.56%;padding:0in 5.4pt 0in 5.4pt;height:1.9pt'></td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:1.9pt'></td> <td width="15%" valign="bottom" style='width:15.52%;padding:0in 5.4pt 0in 5.4pt;height:1.9pt'></td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:1.9pt'></td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt;height:1.9pt'></td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:1.9pt'></td> <td width="14%" valign="bottom" style='width:14.66%;padding:0in 5.4pt 0in 5.4pt;height:1.9pt'></td> </tr> <tr style='height:25.5pt'> <td width="46%" valign="top" style='width:46.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unrealized gains (losses) on derivative &#160;&#160; bank loan interest rate swaps</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.52%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(19,136)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,628 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,508)</p> </td> </tr> <tr style='height:15.75pt'> <td width="46%" valign="top" style='width:46.56%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other comprehensive income (loss)</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 261,357 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.26%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; (760,715)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; (499,358)</p> </td> </tr> </table> <p align="left" style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;margin-left:.5in;text-align:left;text-indent:-.5in;line-height:5.0pt'>&nbsp;</p> <p align="left" style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;margin-left:.5in;text-align:left;text-indent:-.5in'>&nbsp;</p> <p align="left" style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;margin-left:.5in;text-align:left;text-indent:-.5in'>The following is the accumulated balances of other comprehensive income as of December 31, 2014:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:5.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:5.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:51.75pt'> <td width="46%" valign="top" style='width:46.68%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="15%" valign="bottom" style='width:15.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Beginning Balance December 31, 2013</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="15%" valign="bottom" style='width:15.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Change for the period</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="14%" valign="bottom" style='width:14.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Ending Balance December 31, 2014</p> </td> </tr> <tr style='height:30.0pt'> <td width="46%" valign="top" style='width:46.68%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unrealized net gains (losses) on available-for-sale &#160;&#160; securities and trust investments</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.54%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 346,341 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.14%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (65,848)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.66%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 280,493 </p> </td> </tr> <tr style='height:2.45pt'> <td width="46%" valign="top" style='width:46.68%;padding:0in 5.4pt 0in 5.4pt;height:2.45pt'></td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:2.45pt'></td> <td width="15%" valign="bottom" style='width:15.54%;padding:0in 5.4pt 0in 5.4pt;height:2.45pt'></td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:2.45pt'></td> <td width="15%" valign="bottom" style='width:15.14%;padding:0in 5.4pt 0in 5.4pt;height:2.45pt'></td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:2.45pt'></td> <td width="14%" valign="bottom" style='width:14.66%;padding:0in 5.4pt 0in 5.4pt;height:2.45pt'></td> </tr> <tr style='height:25.5pt'> <td width="46%" valign="top" style='width:46.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unrealized gains (losses) on derivative &#160;&#160; bank loan interest rate swaps</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.54%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (35,569)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 16,433 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (19,136)</p> </td> </tr> <tr style='height:15.75pt'> <td width="46%" valign="top" style='width:46.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other comprehensive income (loss)</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.54%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 310,772 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (49,415)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 261,357 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;margin-left:.5in;text-indent:-.5in'>18)&#160;&#160;&#160;&#160;&#160;&#160; <u>Derivative Instruments</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The following table shows the fair value of derivatives as of December 31, 2016 and 2015.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="87%" colspan="15" valign="bottom" style='width:87.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value of Derivative Instruments</p> </td> </tr> <tr style='height:15.0pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="45%" colspan="8" valign="bottom" style='width:45.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Asset Derivatives</p> </td> <td width="42%" colspan="7" valign="bottom" style='width:42.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Liability Derivatives</p> </td> </tr> <tr style='height:14.45pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="21%" colspan="3" valign="bottom" style='width:21.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31, 2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.06%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31, 2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="19%" colspan="3" valign="bottom" style='width:19.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31, 2016</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31, 2015</p> </td> </tr> <tr style='height:34.5pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="8%" valign="bottom" style='width:8.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Balance Sheet Location</p> </td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="9%" valign="bottom" style='width:9.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Fair Value </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="8%" valign="bottom" style='width:8.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Balance Sheet Location</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="9%" valign="bottom" style='width:9.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="8%" valign="bottom" style='width:8.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Balance Sheet Location</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="8%" valign="bottom" style='width:8.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="8%" valign="bottom" style='width:8.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Balance Sheet Location</p> </td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="8%" valign="bottom" style='width:8.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> </tr> <tr style='height:25.5pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives designated as hedging instruments:</p> </td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.52%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:23.25pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Loan commitments</p> </td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>other assets</p> </td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $6,911,544 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.52%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>other assets</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 7,779,162 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $102,212 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $107,667 </p> </td> </tr> <tr style='height:23.25pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Call Options</p> </td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.52%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 109,474 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 16,342 </p> </td> </tr> <tr style='height:23.25pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Put Options</p> </td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.52%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 26,494 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 28,829 </p> </td> </tr> <tr style='height:23.25pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Interest rate swaps</p> </td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="2%" valign="bottom" style='width:2.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.52%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="9%" valign="bottom" style='width:9.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Bank loans payable</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,308 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Bank loans payable</p> </td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 13,947 </p> </td> </tr> <tr style='height:15.75pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="9%" valign="bottom" style='width:9.98%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $6,911,544 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="8%" valign="bottom" style='width:8.52%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="9%" valign="bottom" style='width:9.2%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 7,779,162 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="8%" valign="bottom" style='width:8.7%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $241,488 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="8%" valign="bottom" style='width:8.7%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $166,785 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>The following table shows the gain (loss) on derivatives for the periods presented. There were no gains or losses reclassified from accumulated other comprehensive income (&#147;OCI&#148;) into income or gains or losses recognized in income on derivatives ineffective portion or any amounts excluded from effective testing.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="47%" valign="bottom" style='width:47.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="49%" colspan="3" valign="bottom" style='width:49.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Net Amount Gain (Loss) Recognized in OCI</p> </td> </tr> <tr style='height:14.45pt'> <td width="47%" valign="bottom" style='width:47.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="49%" colspan="3" valign="bottom" style='width:49.88%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years ended December 31</p> </td> </tr> <tr style='height:14.45pt'> <td width="47%" valign="bottom" style='width:47.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>Derivative - Cash Flow Hedging Relationships:</u></p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="23%" valign="bottom" style='width:23.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="23%" valign="bottom" style='width:23.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="47%" valign="bottom" style='width:47.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Interest Rate Swaps</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,639 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,423 </p> </td> </tr> <tr style='height:15.0pt'> <td width="47%" valign="bottom" style='width:47.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Sub Total</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.5%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,639 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.5%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,423 </p> </td> </tr> <tr style='height:15.0pt'> <td width="47%" valign="bottom" style='width:47.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Tax Effect</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,149 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,795 </p> </td> </tr> <tr style='height:15.75pt'> <td width="47%" valign="bottom" style='width:47.24%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="23%" valign="bottom" style='width:23.5%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,490 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="23%" valign="bottom" style='width:23.5%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,628 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>19)&#160;&#160;&#160;&#160;&#160;&#160; <u>Acquisitions</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;line-height:6.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Acquisition of First Guaranty Insurance Company</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font lang="EN-CA">On July 11, 2016, the Company, through its wholly owned subsidiary, Security National Life completed the stock purchase transaction with the shareholders of Reppond Holding Corporation, an Arkansas corporation (&quot;Reppond Holding&quot;) and sole shareholder of First Guaranty Insurance Company, a Louisiana domestic stock legal reserve life insurance company (&quot;First Guaranty&quot;), to purchase all the outstanding shares of common stock of Reppond Holding. Under the terms of the stock purchase agreement, dated February 17, 2016, between Security National Life and Reppond Holding, which was later amended on March 4 and 17, 2016, Security National Life paid a total of $6,753,000 at the closing in consideration for the purchase of all the outstanding shares of stock of Reppond Holding from its shareholders. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The fair values of assets acquired and liabilities assumed are subject to adjustment during the first twelve months after the acquisition date if additional information becomes available to indicate a more accurate or appropriate value for an asset or liability. As the acquisition was completed at quarter end, the fair values of substantially all of the net assets are considered preliminary.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The estimated fair values of the assets acquired and the liabilities assumed at the date of acquisition were as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="67%" style='width:67.3%;border-collapse:collapse'> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities, held to maturity</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 43,878,084 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Equity securities, available for sale</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 646,335 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,528,582 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Real estate held for investment</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 528,947 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 145,953 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Short-term investments</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; &#160;&#160;5,358,403 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Accrued investment income</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 585,985 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cash and cash equivalents</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,424,480 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Receivables</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 73,347 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Property and equipment</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 21,083 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Deferred tax asset</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,190,862 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Receivable from reinsurers</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,948 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other </p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 57,768 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total assets acquired</p> </td> <td width="24%" valign="bottom" style='width:24.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 59,474,777 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future life, annuity, and other benefits</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (52,648,838)</p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Accounts payable</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,953)</p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other liabilities and accrued expenses</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (65,986)</p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total liabilities assumed</p> </td> <td width="24%" valign="bottom" style='width:24.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (52,721,777)</p> </td> </tr> <tr style='height:14.05pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:14.05pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fair value of net assets acquired/consideration paid</p> </td> <td width="24%" valign="bottom" style='width:24.92%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.05pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 6,753,000 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The estimated fair value of the fixed maturity securities and the equity securities is based on unadjusted quoted prices for identical assets in an active market.&nbsp; These types of financial assets are considered Level 1 under the fair value hierarchy. The estimated fair value of future life, annuity, and other benefits is based on assumptions of the future value of the business acquired. Based on the unobservable nature of certain of these assumptions, the valuation for these financial liabilities is considered to be Level 3 under the fair value hierarchy. The Company determined that the estimated fair value of the remaining assets and liabilities acquired approximated their book values. The fair value of assets acquired and liabilities assumed are subject to adjustment during the first twelve months after the acquisition date if additional information becomes available to indicate a more accurate or appropriate value for an asset or liability.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The following unaudited pro forma information has been prepared to present the results of operations of the Company assuming the acquisition of First Guaranty had occurred at the beginning of the years ended December 31, 2016, 2015 and 2014, respectively. This pro forma information is supplemental and does not necessarily present the operations of the Company that would have occurred had the acquisition occurred on those dates and may not reflect the operations that will occur in the future: </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="51%" colspan="5" valign="bottom" style='width:51.58%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>For the Year Ended December 31 (unaudited)</p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total revenues</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 306,471,770 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 284,812,830 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 229,483,646 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 11,923,653 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 12,627,709 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 8,044,482 </p> </td> </tr> <tr style='height:15.0pt'> <td width="48%" colspan="2" valign="bottom" style='width:48.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per Class A equivalent common share</p> </td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.95 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.88 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.57 </p> </td> </tr> <tr style='height:26.1pt'> <td width="45%" valign="bottom" style='width:45.66%;padding:0in 5.4pt 0in 5.4pt;height:26.1pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per Class A equivalent common share assuming dilution</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:26.1pt'></td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:26.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.93 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:26.1pt'></td> <td width="15%" valign="bottom" style='width:15.7%;padding:0in 5.4pt 0in 5.4pt;height:26.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.85 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:26.1pt'></td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:26.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.55 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><u>Acquisition of American Funeral Financial</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>On June 4, 2014, the Company, through its wholly owned subsidiary, SNFC Subsidiary, LLC (&#147;SNFC Subsidiary&#148;), completed a purchase transaction with American Funeral Financial, LLC, a South Carolina limited liability company (&#147;American Funeral Financial&#148;) and Hypershop, LLC, a North Carolina&nbsp;&nbsp;limited liability&nbsp;&nbsp;company (&#147;Hypershop&#148;), the sole owner of all the limited liability company interests of American Funeral Financial, to purchase all of the outstanding limited liability company interests, or membership units, of American Funeral Financial.&nbsp;&nbsp;American Funeral Financial is engaged in the operation of a factoring business with the principal purpose of providing funding for funeral homes and mortuaries.&nbsp;&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Under the terms of the transaction, as set forth in the Unit Purchase Agreement dated June 4, 2014 (the &#147;Purchase Agreement&#148;), among the Company, SNFC Subsidiary, American Funeral Financial and Hypershop, the Company paid Hypershop purchase consideration equal to (i) $3,000,000 in cash, of which $175,000 was deposited into an interest bearing escrow account to be held for a period of twelve months from the closing date to pay off the indebtedness and other liabilities of American Funeral Financial, plus (ii) $12,011,183, representing the amount of the good standing receivables of American Funeral Financial, plus (iii)&nbsp;earn-out payments equal to .0042 of the aggregate amount of life insurance assignments funded by American Funeral Financial during the three year period following the closing date of the transaction.&nbsp;This earn-out liability was estimated to be $1,368,000.&nbsp;The purchase consideration was to be used to pay off the indebtedness that American Funeral Financial owed to Security Finance Corporation of Spartanburg, as well as to pay off all other indebtedness and liabilities of American Funeral Financial.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The estimated fair values of the assets acquired and the liabilities assumed at the date of acquisition were as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="62%" style='width:62.9%;border-collapse:collapse'> <tr style='height:13.0pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other loans, net</p> </td> <td width="32%" valign="bottom" style='width:32.44%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 11,866,193 </p> </td> </tr> <tr style='height:13.0pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Property and equipment</p> </td> <td width="32%" valign="bottom" style='width:32.44%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 760,120 </p> </td> </tr> <tr style='height:13.0pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Goodwill</p> </td> <td width="32%" valign="bottom" style='width:32.44%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,373,722 </p> </td> </tr> <tr style='height:13.0pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other </p> </td> <td width="32%" valign="bottom" style='width:32.44%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,379,158 </p> </td> </tr> <tr style='height:13.0pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total assets acquired</p> </td> <td width="32%" valign="bottom" style='width:32.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,379,193 </p> </td> </tr> <tr style='height:13.0pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other liabilities and accrued expenses</p> </td> <td width="32%" valign="bottom" style='width:32.44%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,368,000)</p> </td> </tr> <tr style='height:13.0pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total liabilities assumed</p> </td> <td width="32%" valign="bottom" style='width:32.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,368,000)</p> </td> </tr> <tr style='height:13.65pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.65pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fair value of net assets acquired</p> </td> <td width="32%" valign="bottom" style='width:32.44%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.65pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 15,011,193</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The estimated fair value of the acquisition is based on market assumptions of the future value of the business acquired, the collectability of receivables, the current value of equipment purchased and the useful life of proprietary software.&nbsp; Based on the unobservable nature of certain of these assumptions, the valuation is considered Level 3 under the fair value hierarchy.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The following unaudited pro forma information has been prepared to present the results of operations of the Company assuming the acquisition of American Funeral Financial had occurred at the beginning of the years ended December 31, 2016, 2015 and 2014, respectively. This pro forma information is supplemental and does not necessarily present the operations of the Company that would have occurred had the acquisition occurred on those dates and may not reflect the operations that will occur in the future:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="51%" colspan="5" valign="bottom" style='width:51.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>For the Year Ended December 31 (unaudited)</p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total revenues</p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 304,334,901 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 280,354,832 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 227,379,128 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 12,188,627 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 13,351,441 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 8,458,589 </p> </td> </tr> <tr style='height:15.0pt'> <td width="48%" colspan="2" valign="bottom" style='width:48.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per Class A equivalent common share</p> </td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.96 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.93 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.59 </p> </td> </tr> <tr style='height:30.0pt'> <td width="45%" valign="bottom" style='width:45.34%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per Class A equivalent common share assuming dilution</p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.94 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.90 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.58 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>20)&#160;&#160;&#160; <u>Mortgage Servicing Rights</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:6.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The following table presents the MSR activity for 2016 and 2015.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="34%" colspan="2" valign="bottom" style='width:34.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="17%" valign="bottom" style='width:17.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amortized cost:</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance before valuation allowance at beginning of year</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 12,679,755 </p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 7,834,747 </p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>MSRs received as proceeds from loan sales</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 8,603,154 </p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 6,217,551 </p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amortization</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (2,410,547)</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;(1,372,543)</p> </td> </tr> <tr style='height:45.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Application of valuation allowance to write down MSRs &#160;&#160; with other than temporary impairment</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance before valuation allowance at year end</p> </td> <td width="17%" valign="bottom" style='width:17.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 18,872,362 </p> </td> <td width="17%" valign="bottom" style='width:17.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 12,679,755 </p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Valuation allowance for impairment of MSRs:</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at beginning of year</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Additions</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:45.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Application of valuation allowance to write down MSRs &#160;&#160; with other than temporary impairment</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at year end</p> </td> <td width="17%" valign="bottom" style='width:17.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="17%" valign="bottom" style='width:17.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:10.9pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:10.9pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:10.9pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:10.9pt'></td> </tr> <tr style='height:15.75pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights, net</p> </td> <td width="17%" valign="bottom" style='width:17.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 18,872,362 </p> </td> <td width="17%" valign="bottom" style='width:17.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 12,679,755 </p> </td> </tr> <tr style='height:9.6pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:9.6pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:9.6pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:9.6pt'></td> </tr> <tr style='height:15.75pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Estimated fair value of MSRs at year end</p> </td> <td width="17%" valign="bottom" style='width:17.16%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 25,496,832 </p> </td> <td width="17%" valign="bottom" style='width:17.16%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 13,897,160 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company reports these MSRs pursuant to the accounting policy discussed in Note 1 of the Notes to Consolidated Financial Statements. The following table summarizes the Company&#146;s estimate of future amortization of its existing MSRs carried at amortized cost. This projection was developed using the assumptions made by management in its December 31, 2016 valuation of MSRs. The assumptions underlying the following estimate will change as market conditions and portfolio composition and behavior change, causing both actual and projected amortization levels to change over time. Therefore, the following estimates will change in a manner and amount not presently determinable by management.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="32%" style='width:32.56%;border-collapse:collapse'> <tr style='height:27.05pt'> <td width="35%" valign="bottom" style='width:35.94%;padding:0in 5.4pt 0in 5.4pt;height:27.05pt'></td> <td width="7%" valign="bottom" style='width:7.88%;padding:0in 5.4pt 0in 5.4pt;height:27.05pt'></td> <td width="56%" valign="bottom" style='width:56.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:27.05pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Estimated MSR Amortization</p> </td> </tr> <tr style='height:13.5pt'> <td width="35%" valign="bottom" style='width:35.94%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>2017</p> </td> <td width="7%" valign="bottom" style='width:7.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="56%" valign="bottom" style='width:56.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,696,052 </p> </td> </tr> <tr style='height:13.5pt'> <td width="35%" valign="bottom" style='width:35.94%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>2018</p> </td> <td width="7%" valign="bottom" style='width:7.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="56%" valign="bottom" style='width:56.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,696,052 </p> </td> </tr> <tr style='height:13.5pt'> <td width="35%" valign="bottom" style='width:35.94%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>2019</p> </td> <td width="7%" valign="bottom" style='width:7.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="56%" valign="bottom" style='width:56.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,696,052 </p> </td> </tr> <tr style='height:13.5pt'> <td width="35%" valign="bottom" style='width:35.94%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>2020</p> </td> <td width="7%" valign="bottom" style='width:7.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="56%" valign="bottom" style='width:56.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,696,052 </p> </td> </tr> <tr style='height:13.5pt'> <td width="35%" valign="bottom" style='width:35.94%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>2021</p> </td> <td width="7%" valign="bottom" style='width:7.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="56%" valign="bottom" style='width:56.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,696,052 </p> </td> </tr> <tr style='height:13.5pt'> <td width="43%" colspan="2" valign="bottom" style='width:43.82%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Thereafter</p> </td> <td width="56%" valign="bottom" style='width:56.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,392,104 </p> </td> </tr> <tr style='height:14.2pt'> <td width="35%" valign="bottom" style='width:35.94%;padding:0in 5.4pt 0in 5.4pt;height:14.2pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="7%" valign="bottom" style='width:7.88%;padding:0in 5.4pt 0in 5.4pt;height:14.2pt'></td> <td width="56%" valign="bottom" style='width:56.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:14.2pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 18,872,364 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:6.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>During the years ended December 31, 2016, 2015 and 2014, the Company collected the following contractual servicing fee income and late fee income as reported in other revenues on the Consolidated Statement of Earnings:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="35%" valign="bottom" style='width:35.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> </tr> <tr style='height:12.75pt'> <td width="35%" valign="bottom" style='width:35.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Contractual servicing fees</p> </td> <td width="19%" valign="bottom" style='width:19.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 5,661,699 </p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 3,864,454 </p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 2,641,234 </p> </td> </tr> <tr style='height:12.75pt'> <td width="35%" valign="bottom" style='width:35.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Late fees</p> </td> <td width="19%" valign="bottom" style='width:19.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 203,509 </p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 120,241 </p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;123,399 </p> </td> </tr> <tr style='height:13.5pt'> <td width="35%" valign="bottom" style='width:35.46%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="19%" valign="bottom" style='width:19.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 5,865,207 </p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="19%" valign="bottom" style='width:19.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 3,984,695 </p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="19%" valign="bottom" style='width:19.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 2,764,633 </p> </td> </tr> </table> <p align="left" style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;text-align:left;line-height:normal'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The following is a summary of the unpaid principal balances of the servicing portfolio for the periods presented:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="419" style='width:314.4pt;margin-left:5.4pt;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="91" valign="bottom" style='width:.95in;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="328" colspan="5" valign="bottom" style='width:246.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years Ended December 31</p> </td> </tr> <tr style='height:12.75pt'> <td width="91" valign="bottom" style='width:.95in;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="99" valign="bottom" style='width:74.6pt;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="15" valign="bottom" style='width:11.1pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="99" valign="bottom" style='width:74.6pt;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="15" valign="bottom" style='width:11.1pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="99" valign="bottom" style='width:74.6pt;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> </tr> <tr style='height:12.75pt'> <td width="91" valign="bottom" style='width:.95in;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Servicing UPB</p> </td> <td width="99" valign="bottom" style='width:74.6pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 2,720,441,340 </p> </td> <td width="15" valign="bottom" style='width:11.1pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="99" valign="bottom" style='width:74.6pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,861,835,430 </p> </td> <td width="15" valign="bottom" style='width:11.1pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="99" valign="bottom" style='width:74.6pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,227,249,143 </p> </td> </tr> </table> <p align="left" style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;text-align:left;line-height:normal'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The following key assumptions were used in determining MSR value:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="373" style='width:280.0pt;margin-left:5.4pt;border-collapse:collapse'> <tr style='height:12.6pt'> <td width="156" valign="bottom" style='width:117.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.6pt'></td> <td width="78" valign="bottom" style='width:58.6pt;padding:0in 5.4pt 0in 5.4pt;height:12.6pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><u>Prepayment Speeds </u></p> </td> <td width="77" valign="bottom" style='width:57.45pt;padding:0in 5.4pt 0in 5.4pt;height:12.6pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><u>Average Life(Years) </u></p> </td> <td width="63" valign="bottom" style='width:46.95pt;padding:0in 5.4pt 0in 5.4pt;height:12.6pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><u>Discount Rate </u></p> </td> </tr> <tr style='height:12.75pt'> <td width="156" valign="bottom" style='width:117.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>December 31, 2016</p> </td> <td width="78" valign="bottom" style='width:58.6pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>3.77%</p> </td> <td width="77" valign="bottom" style='width:57.45pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>6.52</p> </td> <td width="63" valign="bottom" style='width:46.95pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>10.01</p> </td> </tr> <tr style='height:12.75pt'> <td width="156" valign="bottom" style='width:117.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>December 31, 2015</p> </td> <td width="78" valign="bottom" style='width:58.6pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>3.02%</p> </td> <td width="77" valign="bottom" style='width:57.45pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>5.24</p> </td> <td width="63" valign="bottom" style='width:46.95pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>10.00</p> </td> </tr> <tr style='height:12.75pt'> <td width="156" valign="bottom" style='width:117.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>December 31, 2014</p> </td> <td width="78" valign="bottom" style='width:58.6pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2.87%</p> </td> <td width="77" valign="bottom" style='width:57.45pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>4.96</p> </td> <td width="63" valign="bottom" style='width:46.95pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>10.00</p> </td> </tr> </table> <p align="left" style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;text-align:left;line-height:normal'>&nbsp;</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>21)&#160;&#160;&#160;&#160;&#160;&#160; <u>Correction of Errors</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:6.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The accompanying Consolidated Financial Statements include the restatement of the Company&#146;s previously filed consolidated balance sheets and the related consolidated statements of operations, shareholders&#146; equity and cash flows for the fiscal years ended December 31, 2014, December 31, 2015, and December 31, 2016.&#160; For the revised quarterly results of operations for the fiscal years ended December 31, 2014, 2015 and 2016, see &#147;Impact of Restatement Adjustments on Quarterly Financial Statements (Unaudited)&#148; in Note 22 of the accompanying Consolidated Financial Statements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Immaterial Error in Accounting for Loan Commitments</u>:&#160; Subsequent to the issuance of the company&#146;s 2015 consolidated financial statements, the Company identified an error in the accounting for its loan commitments (&#147;Adjustment A&#148;).&#160;&#160; The Company corrected the presentation of the changes in fair value of its loan commitments to present them as a component of current earnings instead of as a component of other comprehensive income, as previously reported.&#160; The Company&#146;s management has concluded that the effect of the correction is not material to any previously issued Consolidated Financial Statements.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Subsequent to the issuance of the company&#146;s 2016 Consolidated Financial Statements, the Company identified the following errors, (&#147;Adjustments B&#148;):</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Material Error in Accounting for Repurchase Agreements</u>: The Company has concluded it should account for its Repurchase Agreements with unaffiliated banks as &quot;On-Balance-Sheet&quot; transactions, rather than as &quot;Off-Balance-Sheet&quot; as previously reported. &#160;Accordingly, the Company will reflect any outstanding loans as Loans Held for Sale and the corresponding debt as a Bank Loan Payable.&#160; The Company has corrected its sale accounting practice to defer revenue and costs on loans that remain as Held for Sale.&#160; The Company will recognize these deferred items at the time the loan is purchased by the ultimate investor.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Material Error in Accounting for Tax Valuation Allowance</u>:&#160; The Company determined that it should have reversed its valuation allowance in its entirety in 2012 when the Company no longer qualified for the small life insurance company deduction, rather than in other periods as previously reported.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Other Immaterial Corrections and Reclassifications</u>: In addition, the Company has recorded the following additional corrections in the accompanying Consolidated Financial Statements:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <ol start="1" type="1" style='margin-top:0in'> <li style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>Reclassification of Receivables to Loans Held for Sale</li> <li style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>Reclassification of the Provision for Loan Loss Reserve to net against Mortgage Fee Income</li> <li style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>Correction to Future Life, Annuity and Other Benefits to reverse a deferred profit liability</li> </ol> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>The tables below present the impact of the restatement on the Company&#146;s Consolidated Balance Sheets for the periods presented:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='border-collapse:collapse'> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="73%" colspan="9" valign="top" style='width:73.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As of December 31, 2016</p> </td> <td width="0%" style='border:none;padding:0'><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p></td> </tr> <tr style='height:25.5pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; As Originally Reported</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustment (A)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Previously Reported</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustments (B)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Restated</p> </td> </tr> <tr style='height:25.5pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Loans held for sale (formerly called &#160;&#160; Mortgage loans sold to investors)</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 82,491,091 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 82,491,091 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 106,648,741 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 189,139,832 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Receivables, net</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 18,870,119 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 18,870,119 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (12,496,755)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,373,364 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other assets</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,891,468 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,891,468 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,521,926 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 10,413,394 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total Assets</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 854,004,671 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 854,004,671 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 97,673,912 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 951,678,583 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future life, annuity, and other benefits</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 585,610,063 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 585,610,063 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,542,371)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 584,067,692 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Bank and other loans payable</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,718,548 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,718,548 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 98,422,131 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 152,140,679 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Income taxes</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,904,294 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,904,294 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,585,425)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 24,318,869 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total liabilities</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 725,825,117 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 725,825,117 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,294,335 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 819,119,452 </p> </td> </tr> <tr style='height:25.5pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Accumulated other comprehensive &#160;&#160; income, net of taxes</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 264,822 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;264,822 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 264,822 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Retained earnings</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 63,029,627 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 63,029,627 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,379,577 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 67,409,204 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total stockholders' equity</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 128,179,554 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 128,179,554 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,379,577 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 132,559,131 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total Liabilities and Stockholders' Equity</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 854,004,671 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 854,004,671 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 97,673,912 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 951,678,583 </p> </td> </tr> <tr align="left"> <td width="186" style='border:none'></td> <td width="95" style='border:none'></td> <td width="16" style='border:none'></td> <td width="93" style='border:none'></td> <td width="16" style='border:none'></td> <td width="93" style='border:none'></td> <td width="16" style='border:none'></td> <td width="93" style='border:none'></td> <td width="16" style='border:none'></td> <td width="84" style='border:none'></td> <td width="0" style='border:none'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='border-collapse:collapse'> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="73%" colspan="9" valign="top" style='width:73.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As of December 31, 2015</p> </td> <td width="0%" style='border:none;padding:0'><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p></td> </tr> <tr style='height:25.5pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; As Originally Reported</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustment (A)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Previously Reported</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustments (B)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Restated</p> </td> </tr> <tr style='height:25.5pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Loans held for sale (formerly called &#160;&#160; Mortgage loans sold to investors)</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 115,286,455 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 115,286,455 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 96,166,551 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 211,453,006 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Receivables, net</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 16,026,100 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 16,026,100 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (9,965,106)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,060,994 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other assets</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,100,869 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,100,869 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,338,404 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 11,439,273 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total Assets</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 749,933,317 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 749,933,317 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 90,539,849 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 840,473,166 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future life, annuity, and other benefits</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 517,177,388 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 517,177,388 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,388,134)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 515,789,254 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Bank and other loans payable</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,908,915 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,908,915 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 90,096,699 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 131,005,614 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Income taxes</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 25,052,059 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 25,052,059 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (4,639,170)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 20,412,889 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total liabilities</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 638,687,092 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 638,687,092 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 84,069,395 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 722,756,487 </p> </td> </tr> <tr style='height:25.5pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Accumulated other comprehensive &#160;&#160; income, net of taxes</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,533,828 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,033,186)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (499,358)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;(499,358)</p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Retained earnings</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 52,021,764 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,033,186 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 54,054,950 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,470,454 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 60,525,404 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total stockholders' equity</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 111,246,225 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 111,246,225 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,470,454 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 117,716,679 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total Liabilities and Stockholders' Equity</p> </td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 749,933,317 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 749,933,317 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 90,539,849 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 840,473,166 </p> </td> </tr> <tr align="left"> <td width="186" style='border:none'></td> <td width="95" style='border:none'></td> <td width="16" style='border:none'></td> <td width="93" style='border:none'></td> <td width="16" style='border:none'></td> <td width="93" style='border:none'></td> <td width="16" style='border:none'></td> <td width="93" style='border:none'></td> <td width="16" style='border:none'></td> <td width="84" style='border:none'></td> <td width="1" style='border:none'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='border-collapse:collapse'> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="73%" colspan="9" valign="top" style='width:73.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As of January 1, 2014</p> </td> <td width="0%" style='border:none;padding:0'><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p></td> </tr> <tr style='height:25.5pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; As Originally Reported</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustment (A)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Previously Reported</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustments (B)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Restated</p> </td> </tr> <tr style='height:25.5pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Accumulated other comprehensive &#160;&#160; income, net of taxes</p> </td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,218,396 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (907,624)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 310,772 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.92%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 310,772 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Retained earnings</p> </td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 39,666,587 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 907,624 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,574,211 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,405,271 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 46,979,482 </p> </td> </tr> <tr align="left"> <td width="186" style='border:none'></td> <td width="95" style='border:none'></td> <td width="16" style='border:none'></td> <td width="93" style='border:none'></td> <td width="16" style='border:none'></td> <td width="93" style='border:none'></td> <td width="16" style='border:none'></td> <td width="93" style='border:none'></td> <td width="16" style='border:none'></td> <td width="84" style='border:none'></td> <td width="1" style='border:none'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='border-collapse:collapse'> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="73%" colspan="9" valign="top" style='width:73.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As of December 31, 2014</p> </td> <td width="0%" style='border:none;padding:0'><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p></td> </tr> <tr style='height:25.5pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; As Originally Reported</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustment (A)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Previously Reported</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustments (B)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Restated</p> </td> </tr> <tr style='height:25.5pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Accumulated other comprehensive &#160;&#160; income, net of taxes</p> </td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,438,566 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,177,209)</p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 261,357 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.92%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 261,357 </p> </td> </tr> <tr style='height:12.75pt'> <td width="26%" valign="bottom" style='width:26.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Retained earnings</p> </td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 44,101,252 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,177,209 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 45,278,461 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,597,870 </p> </td> <td width="2%" valign="bottom" style='width:2.28%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" colspan="2" valign="bottom" style='width:11.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 51,876,331 </p> </td> </tr> <tr align="left"> <td width="186" style='border:none'></td> <td width="95" style='border:none'></td> <td width="16" style='border:none'></td> <td width="93" style='border:none'></td> <td width="16" style='border:none'></td> <td width="93" style='border:none'></td> <td width="16" style='border:none'></td> <td width="93" style='border:none'></td> <td width="16" style='border:none'></td> <td width="84" style='border:none'></td> <td width="1" style='border:none'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>The tables below present the impact of the restatement on the Company&#146;s Consolidated Statements of Earnings for the periods presented:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="25%" valign="top" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="74%" colspan="9" valign="top" style='width:74.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Year Ended December 31, 2016</p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; As Originally Reported</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustment (A)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Previously Reported</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustments (B)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Restated</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage fee income</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 186,416,311 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 186,416,311 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (2,873,515)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 183,542,796 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total revenues</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 307,208,416 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 307,208,416 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;(2,873,515)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 304,334,901 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Increase in future policy benefits</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 21,476,432 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 21,476,432 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (154,237)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 21,322,195 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commissions</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 87,762,583 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 87,762,583 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 871,911 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 88,634,494 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Provision for loan loss reserve</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,688,754 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,688,754 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,988,754)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,700,000 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cost related to funding mortgage loans</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,756,791 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,756,791 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 434,697 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,191,488 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total benefits and expenses</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 286,468,053 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 286,468,053 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,836,383)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 284,631,670 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Earnings before income taxes</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 20,740,363 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 20,740,363 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,037,132)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 19,703,231 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Income tax expense</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,460,859)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,460,859)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,053,745)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (7,514,604)</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 14,279,504 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 14,279,504 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,090,877)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 12,188,627 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share (1)</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.96 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.00 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.96 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>($0.14)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.82 </p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share &#160;&#160; assuming dilution (1)</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.94 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.00 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.94 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>($0.14)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.81 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="74%" colspan="9" valign="top" style='width:74.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Year Ended December 31, 2015</p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; As Originally Reported</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustment (A)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Previously Reported</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustments (B)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Restated</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage fee income</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 174,323,452 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,403,240 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 175,726,692 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (4,209,408)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 171,517,284 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total revenues</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 283,161,000 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,403,240 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 284,564,240 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (4,209,408)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 280,354,832 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Increase in future policy benefits</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,212,001 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,212,001 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (154,237)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 17,057,764 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commissions</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;81,935,623 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 81,935,623 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,035,005)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 80,900,618 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Provision for loan loss reserve</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,295,043 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,295,043 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,845,940)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,449,103 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cost related to funding mortgage loans</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,864,404 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,864,404 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 37,107 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,901,511 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total benefits and expenses</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 263,339,435 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 263,339,435 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;(3,998,075)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 259,341,360 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Earnings before income taxes</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 19,821,565 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,403,240 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 21,224,805 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (211,333)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 21,013,472 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Income tax expense</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (7,198,685)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (547,263)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (7,745,948)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 83,917 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;(7,662,031)</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,622,880 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 855,977 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,478,857 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (127,416)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 13,351,441 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share (1)</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.87 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.06 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.93 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>($0.01)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.92 </p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share &#160;&#160; assuming dilution (1)</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.84 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.06 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.90 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>($0.01)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.89 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="74%" colspan="9" valign="top" style='width:74.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Year Ended December 31, 2014</p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; As Originally Reported</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustment (A)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Previously Reported</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustments (B)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Restated</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage fee income</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 128,696,998 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 441,943 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 129,138,941 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (2,331,468)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 126,807,473 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total revenues</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 226,936,674 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 441,943 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 227,378,617 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,331,468)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 225,047,149 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Increase in future policy benefits</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 18,060,151 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 18,060,151 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (154,237)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 17,905,914 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commissions</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 59,876,675 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 59,876,675 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (502,133)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 59,374,542 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Provision for loan loss reserve</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,053,403 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,053,403 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,053,403)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,000,000 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cost related to funding mortgage loans</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,877,069 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,877,069 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (425,750)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,451,319 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total benefits and expenses</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 214,455,721 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 214,455,721 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,135,523)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 211,320,198 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Earnings before income taxes</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,480,953 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 441,943 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,922,896 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 804,055 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 13,726,951 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Income tax expense</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (4,726,305)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (172,358)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (4,898,663)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (611,456)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (5,510,119)</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,754,648 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 269,585 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,024,233 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 192,599 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,216,832 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share (1)</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.56 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.02 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.58 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.01 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.59 </p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share &#160;&#160; assuming dilution (1)</p> </td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.54 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.02 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.56 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.02%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.01 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="11%" valign="bottom" style='width:11.86%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.57 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;margin-left:21.0pt;text-indent:-.25in'>(1)&nbsp;&nbsp;&nbsp; Earnings per share amounts have been adjusted retroactively for the effect of annual stock dividends.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>The tables below present the impact of the restatement on the Company&#146;s Consolidated Statements of Comprehensive Income for the periods presented:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='border-collapse:collapse'> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="74%" colspan="9" valign="top" style='width:74.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Year Ended December 31, 2016</p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.34%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; As Originally Reported</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustment (A)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Previously Reported</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustments (B)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.0%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Restated</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 14,279,504 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 14,279,504 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; (2,090,877)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 12,188,627 </p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.34%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net unrealized gains (losses) on &#160;&#160; derivative instruments</p> </td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,490 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,490 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.0%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,490 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other comprehensive gain (loss)</p> </td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 764,180 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;764,180 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 764,180 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='border-collapse:collapse'> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="74%" colspan="9" valign="top" style='width:74.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Year Ended December 31, 2015</p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.34%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; As Originally Reported</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustment (A)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Previously Reported</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustments (B)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.0%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Restated</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 12,622,880 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 855,977 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 13,478,857 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (127,416)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 13,351,441 </p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.34%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net unrealized gains (losses) on &#160;&#160; derivative instruments</p> </td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 866,605 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (855,977)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,628 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.0%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,628 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other comprehensive gain (loss)</p> </td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 95,262 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (855,977)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (760,715)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (760,715)</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='border-collapse:collapse'> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="74%" colspan="9" valign="top" style='width:74.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Year Ended December 31, 2014</p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.34%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; As Originally Reported</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustment (A)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Previously Reported</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustments (B)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.0%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Restated</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;7,754,648 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 269,585 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,024,233 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 192,599 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 8,216,832 </p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.34%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net unrealized gains (losses) on &#160;&#160; derivative instruments</p> </td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 286,018 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (269,585)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 16,433 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.0%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 16,433 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other comprehensive gain (loss)</p> </td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 220,170 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (269,585)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (49,415)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (49,415)</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>The tables below present the impact of the restatement on the Company&#146;s Consolidated Statements of Cash Flows for the periods presented:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.12%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="74%" colspan="9" valign="bottom" style='width:74.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Year Ended December 31, 2016</p> </td> <td width="0%" style='border:none;padding:0'><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p></td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.38%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Originally Reported</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustment (A)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Previously Reported</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustments (B)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" colspan="2" valign="bottom" style='width:13.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Restated</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="13%" valign="bottom" style='width:13.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 14,279,504 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 14,279,504 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (2,090,877)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" colspan="2" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,188,627 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Provision for deferred and other income taxes</p> </td> <td width="13%" valign="bottom" style='width:13.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,076,899 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,076,899 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,053,745 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" colspan="2" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,130,644 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Loans originated for sale </p> </td> <td width="13%" valign="bottom" style='width:13.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; (3,098,710,299)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" colspan="2" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (3,098,710,299)</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Proceeds from loans sold </p> </td> <td width="13%" valign="bottom" style='width:13.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 3,246,127,714 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" colspan="2" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 3,246,127,714 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net gains on loans sold</p> </td> <td width="13%" valign="bottom" style='width:13.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (137,682,984)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" colspan="2" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (137,682,984)</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future life and other benefits</p> </td> <td width="13%" valign="bottom" style='width:13.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 18,143,832 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 18,143,832 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (154,237)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" colspan="2" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,989,595 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Receivables for mortgage loans sold</p> </td> <td width="13%" valign="bottom" style='width:13.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 20,216,621 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 20,216,621 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (20,216,621)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" colspan="2" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other operating assets and liabilities</p> </td> <td width="13%" valign="bottom" style='width:13.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,473,503)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,473,503)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,348,127 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" colspan="2" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (5,125,376)</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net cash provided by (used in) operating activities</p> </td> <td width="13%" valign="bottom" style='width:13.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 43,860,446 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 43,860,446 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,325,432)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" colspan="2" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 35,535,014 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net change in warehouse line borrowings</p> </td> <td width="13%" valign="bottom" style='width:13.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,325,432 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" colspan="2" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,325,432 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.38%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net cash provided by financing activities</p> </td> <td width="13%" valign="bottom" style='width:13.34%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,664,656 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,664,656 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,325,432 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" colspan="2" valign="bottom" style='width:13.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 18,990,088 </p> </td> </tr> <tr align="left"> <td width="179" style='border:none'></td> <td width="94" style='border:none'></td> <td width="15" style='border:none'></td> <td width="89" style='border:none'></td> <td width="15" style='border:none'></td> <td width="92" style='border:none'></td> <td width="15" style='border:none'></td> <td width="96" style='border:none'></td> <td width="15" style='border:none'></td> <td width="98" style='border:none'></td> <td width="1" style='border:none'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="74%" colspan="9" valign="bottom" style='width:74.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Year Ended December 31, 2015</p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.36%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Originally Reported</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustment (A)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Previously Reported</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustments (B)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Restated</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 12,622,880 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 855,977 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 13,478,857 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (127,416)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,351,441 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Provision for deferred and other income taxes</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,909,927 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,909,927 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (83,917)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,826,010 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Loans originated for sale </p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; (2,861,404,239)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (2,861,404,239)</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Proceeds from loans sold </p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 2,933,300,742 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 2,933,300,742 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net gains on loans sold</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (131,130,447)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (131,130,447)</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future life and other benefits</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 15,232,634 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 15,232,634 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (154,237)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 15,078,397 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Receivables for mortgage loans sold</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (47,752,055)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (47,752,055)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 47,752,055 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other operating assets and liabilities</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,890,770 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,890,770 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (434,680)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,456,090 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net cash provided by (used in) operating activities</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (15,831,248)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (15,831,248)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (12,282,139)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (28,113,387)</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net change in warehouse line borrowings</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,282,139 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,282,139 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net cash provided by financing activities</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,656,561 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,656,561 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,282,139 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 21,938,700 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="74%" colspan="9" valign="bottom" style='width:74.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Year Ended December 31, 2014</p> </td> </tr> <tr style='height:25.5pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.36%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Originally Reported</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustment (A)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Previously Reported</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Adjustments (B)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>As Restated</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,754,648 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 269,585 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,024,233 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 192,599 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,216,832 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Provision for deferred and other income taxes</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,245,004 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,245,004 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 611,452 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,856,456 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Loans originated for sale </p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; (2,044,909,613)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (2,044,909,613)</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Proceeds from loans sold </p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 2,102,740,825 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 2,102,740,825 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net gains on loans sold</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (93,144,155)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (93,144,155)</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future life and other benefits</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;14,084,894 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 14,084,894 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (154,237)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,930,657 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Receivables for mortgage loans sold</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,362,353 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,362,353 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (7,362,353)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other operating assets and liabilities</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(135,279)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (135,279)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,453,885)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,589,164)</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net cash provided by (used in) operating activities</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 31,015,809 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 31,015,809 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (43,479,367)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (12,463,558)</p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net change in warehouse line borrowings</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 43,479,367 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 43,479,367 </p> </td> </tr> <tr style='height:12.75pt'> <td width="25%" valign="bottom" style='width:25.4%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net cash provided by financing activities</p> </td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,364,003 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.68%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,364,003 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 43,479,367 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.64%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 49,843,370 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>22)&#160;&#160;&#160;&#160;&#160;&#160; <u>Impact of Restatement Adjustments on Quarterly Financial Statements (Unaudited)</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='border-collapse:collapse'> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="85%" colspan="15" valign="top" style='width:85.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016 (2)</p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="85%" colspan="15" valign="top" style='width:85.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Three Months Ended</p> </td> </tr> <tr style='height:26.25pt'> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>March 31 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>March 31 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>June 30 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>June 30 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.0%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31 (As Previously Reported)</p> </td> <td width="2%" valign="top" style='width:2.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31 (As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Revenues</p> </td> <td width="9%" valign="bottom" style='width:9.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 67,355,307 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 69,456,348 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 81,312,192 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 80,087,227 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 84,393,427 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 82,948,657 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 74,147,490 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 71,842,669 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Benefits and expenses</p> </td> <td width="9%" valign="bottom" style='width:9.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 63,163,550 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 65,385,268 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 73,758,739 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 72,101,342 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 77,427,792 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 76,375,127 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 72,117,972 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 70,769,933 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Earnings before income taxes</p> </td> <td width="9%" valign="bottom" style='width:9.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,191,757 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;4,071,080 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,553,453 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,985,885 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,965,635 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,573,530 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,029,518 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,072,736 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Income tax expense</p> </td> <td width="9%" valign="bottom" style='width:9.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;(1,580,220)</p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,533,139)</p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,456,885)</p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,968,879)</p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,190,206)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,390,525)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (233,548)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (622,061)</p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="9%" valign="bottom" style='width:9.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,611,537 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,537,941 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,096,568 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,017,006 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,775,429 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,183,005 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,795,970 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 450,675 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share (1)</p> </td> <td width="9%" valign="bottom" style='width:9.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.18 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.17 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.35 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.34 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.32 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.28 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.12 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.03 </p> </td> </tr> <tr style='height:25.5pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share &#160;&#160; assuming dilution (1)</p> </td> <td width="9%" valign="bottom" style='width:9.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.17 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.17 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.34 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.04%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.33 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.02%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.31 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.9%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.27 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.0%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.12 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.03 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="84%" colspan="15" valign="top" style='width:84.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015 (2)</p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="84%" colspan="15" valign="top" style='width:84.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Three Months Ended</p> </td> </tr> <tr style='height:26.25pt'> <td width="15%" valign="bottom" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="8%" valign="bottom" style='width:8.46%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>March 31 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>March 31 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>June 30 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>June 30 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31 (As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Revenues</p> </td> <td width="8%" valign="bottom" style='width:8.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 66,537,523 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 65,824,546 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 77,292,625 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 75,187,618 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 74,062,877 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 74,985,622 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 66,671,215 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 64,357,046 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Benefits and expenses</p> </td> <td width="8%" valign="bottom" style='width:8.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 61,051,248 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 61,388,750 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 69,808,663 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 68,772,252 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 67,700,286 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 68,073,150 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,779,238 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 61,107,208 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Earnings before income taxes</p> </td> <td width="8%" valign="bottom" style='width:8.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,486,275 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,435,796 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,483,962 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,415,366 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,362,591 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,912,472 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,891,977 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,249,838 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Income tax expense</p> </td> <td width="8%" valign="bottom" style='width:8.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,104,958)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,698,788)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,867,957)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,454,812)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,346,210)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,554,134)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (426,823)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (954,297)</p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="8%" valign="bottom" style='width:8.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,381,317 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,737,008 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,616,005 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,960,554 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,016,381 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,358,338 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,465,154 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,295,541 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share (1)</p> </td> <td width="8%" valign="bottom" style='width:8.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.24 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.19 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.32 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.27 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.28 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.30 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.10 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.16 </p> </td> </tr> <tr style='height:25.5pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share &#160;&#160; assuming dilution (1)</p> </td> <td width="8%" valign="bottom" style='width:8.46%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.23 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.18 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.31 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.26 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.26 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.29 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.10 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.15 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="84%" colspan="15" valign="top" style='width:84.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014 (2)</p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="84%" colspan="15" valign="top" style='width:84.38%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Three Months Ended</p> </td> </tr> <tr style='height:26.25pt'> <td width="15%" valign="bottom" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="8%" valign="bottom" style='width:8.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>March 31 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>March 31 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>June 30 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>June 30 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31 (As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Revenues</p> </td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 45,502,539 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 45,843,231 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 60,200,879 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 58,408,816 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 61,012,516 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$ &#160;&#160;&#160;&#160;&#160;60,515,415 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 60,662,683 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 60,279,687 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Benefits and expenses</p> </td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 44,887,289 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 46,062,797 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 55,224,633 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,921,094 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;58,348,652 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 57,958,096 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 55,995,147 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,378,211 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Earnings before income taxes</p> </td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 615,250 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (219,566)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,976,246 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,487,722 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,663,864 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,557,319 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,667,536 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,901,476 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Income tax expense</p> </td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (202,352)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 119,914 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,870,803)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,685,203)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (961,140)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (919,546)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,864,368)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,025,284)</p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 412,898 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (99,652)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,105,443 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,802,519 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,702,724 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,637,773 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,803,168 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,876,192 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share (1)</p> </td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.03 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>($0.01)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.22 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.20 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.12 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.12 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.20 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.28 </p> </td> </tr> <tr style='height:25.5pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share &#160;&#160; assuming dilution (1)</p> </td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.03 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>($0.01)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.22 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.20 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.12 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.98%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.11 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.19 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.27 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-.25in;text-align:justify'><font style='letter-spacing:-.1pt'>____________</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-.25in;text-align:justify;line-height:6.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;margin-left:21.0pt;text-indent:-.25in'>(1)&nbsp;&nbsp;&nbsp; Earnings per share amounts have been adjusted retroactively for the effect of annual stock dividends.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;margin-left:21.0pt;text-indent:-.25in'>(2)&nbsp;&nbsp;&nbsp; Earnings restated &#150; See Note 21 of the Notes to Consolidated Financial Statements for additional information regarding correction of errors.</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>General Overview of Business</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Security National Financial Corporation and its wholly owned subsidiaries (the &#147;Company&#148;) operate in three main business segments: life insurance, cemetery and mortuary, and mortgages. The life insurance segment is engaged in the business of selling and servicing selected lines of life insurance, annuity products and accident and health insurance marketed primarily in the intermountain west, California and eleven southern states. The cemetery and mortuary segment of the Company consists of eight mortuaries and five cemeteries in Utah and one cemetery in California. The mortgage segment is an approved government and conventional lender that originates and underwrites residential and commercial loans for new construction, existing homes and real estate projects primarily in Florida, Nevada, Texas, and Utah.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Basis of Presentation</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The accompanying consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP). The presentation of certain amounts in prior years has been reclassified to conform to the 2016 presentation.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Principles of Consolidation</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>These consolidated financial statements include the financial statements of the Company and its majority owned subsidiaries. All intercompany transactions and accounts have been eliminated in consolidation.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Use of Estimates</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Management of the Company has made a number of estimates and assumptions related to the reported amounts of assets and liabilities, reported amounts of revenues and expenses, and the disclosure of contingent assets and liabilities to prepare these financial statements in conformity with generally accepted accounting principles. Actual results could differ from those estimates. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Material estimates that are particularly susceptible to significant changes in the near term are those used in determining the value of derivative assets and liabilities, those used in determining deferred acquisition costs and the value of business acquired, those used in determining the value of mortgage loans foreclosed to real estate held for investment, those used in determining the liability for future policy benefits and unearned revenue, those used in determining the estimated future costs for pre-need sales, those used in determining the value of mortgage servicing rights, those used in determining allowances for loan losses for mortgage loans on real estate, those used in determining loan loss reserve, and those used in determining deferred tax assets and liabilities. Although some variability is inherent in these estimates, management believes the amounts provided are fairly stated in all material respects. </font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Investments</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company&#146;s management determines the appropriate classifications of investments in fixed maturity securities and equity securities at the acquisition date and re-evaluates the classifications at each balance sheet date.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Fixed maturity securities held to maturity</font></u><font style='letter-spacing:-.1pt'> are carried at cost, adjusted for amortization of premium or accretion of discount. Although the Company has the ability and intent to hold these investments to maturity, infrequent and unusual conditions could occur under which it would sell certain of these securities. Those conditions include unforeseen changes in asset quality, significant changes in tax laws, and changes in regulatory capital requirements or permissible investments.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Equity securities available for sale</font></u><font style='letter-spacing:-.1pt'> are carried at estimated fair value. Changes in fair values net of income taxes are reported as unrealized appreciation or depreciation and recorded as an adjustment directly to stockholders&#146; equity and, accordingly, have no effect on net income.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Mortgage loans on real estate and construction loans held for investment</font></u><font style='letter-spacing:-.1pt'> are </font>carried at their unpaid principal balances adjusted for charge-offs and the related allowance for loan losses. The Company defers related material loan origination fees, net of related direct loan origination costs, and amortizes the net fees over the term of the loans. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Mortgage loans are collateral dependent and require an appraisal at the time of underwriting and funding.&#160; Generally, the Company will fund a loan not to exceed 80% of the loan&#146;s collateral fair market value.&#160; Amounts over 80% will require additional collateral or mortgage insurance by an approved third party insurer.&#160; Once a loan is deemed to be impaired the Company will review the market value of the collateral and provide an allowance for any impairment.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Real estate held for investment</font></u><font style='letter-spacing:-.1pt'> is carried at cost, less accumulated depreciation provided on a straight line basis over the estimated useful lives of the properties, or is adjusted to a new basis for impairment in value, if any. Included are foreclosed properties which the Company intends to hold for investment purposes.&#160; These properties are recorded at the lower of cost or fair value upon foreclosure.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Policy loans and other investments</font></u><font style='letter-spacing:-.1pt'> are carried at the aggregate unpaid balances, less allowances for possible losses.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Short-term investments</font></u><font style='letter-spacing:-.1pt'> are carried at cost and consist of certificates of deposit and commercial paper with maturities of up to one year.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>Realized gains and losses on investments</font></u><font style='letter-spacing:-.1pt'> arise when investments are sold (as determined on a specific identification basis) or are other-than-temporarily impaired. If in management&#146;s judgment a decline in the value of an investment below cost is other-than-temporary, the cost of the investment is written down to fair value with a corresponding charge to earnings. Factors considered in judging whether an impairment is other-than-temporary include: the financial condition, business prospects and credit worthiness of the issuer, the length of time that fair value has been less than cost, the relative amount of the decline, and the Company&#146;s ability and intent to hold the investment until the fair value recovers, which is not assured.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Cash and Cash Equivalents</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'><font style='font-weight:normal'>For purposes of the statement of cash flows, the Company considers all highly liquid debt instruments purchased with an original maturity of three months or less to be cash equivalents.</font> <font style='font-weight:normal'>The Company maintains its cash in bank deposit accounts, which at times exceed federally insured limits. The Company has not experienced any losses in such accounts and believes it is not exposed to any significant credit risk on cash and cash equivalents.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Loans Held for Sale</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Loans held for sale are carried at the lower of cost or market and include the amounts due from third party investors. Loans held for sale are also shown net of direct selling revenues and costs. Based on the short-term nature of these assets, the Company has no related allowance for loan losses recorded for these assets.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Restricted Assets</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Restricted assets are assets held in a trust account for future mortuary services and merchandise and consist of cash; participations in mortgage loans with Security National Life; mutual funds carried at cost; equity securities carried at fair market value; and a surplus note with Security National Life. Restricted cash also represents escrows held for borrowers and investors under servicing and appraisal agreements relating to mortgage loans, funds held by warehouse banks in accordance with loan purchase agreements and funds held in escrow for certain real estate construction development projects. Additionally, the Company elected to fund its medical benefit safe-harbor limit based on 35 percent of the qualified direct costs for the preceding year, and has included this amount as a component of restricted cash.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Cemetery Perpetual Care Trust Investments</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'><font style='font-weight:normal'>Cemetery endowment care trusts have been set up for four of the six cemeteries owned by the Company. Of the six cemeteries owned by the Company, four cemeteries are endowment care properties. Under endowment care arrangements a portion of the price for each lot sold is withheld and invested in a portfolio of investments similar to those described in the prior paragraph. The earnings stream from the investments is designed to fund future maintenance and upkeep of the cemetery.</font></p> <!--egx--><p>Cemetery Land and Improvements</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'><font style='letter-spacing:0pt'>The development of a cemetery involves not only the initial acquisition of raw land but the installation of roads, water lines, landscaping and other costs to establish a marketable cemetery lot. The costs of developing the cemetery are shown as an asset on the balance sheet. The amount on the balance sheet is reduced by the total cost assigned to the development of a particular lot when the criterion for recognizing a sale of that lot is met.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Property and Equipment</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>Property and equipment are recorded at cost. Depreciation is calculated principally on the straight-line method over the estimated useful lives of the assets which range from three to forty years. Leasehold improvements are amortized <font style='letter-spacing:0pt'>over the lesser of the useful life or remaining lease terms.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'><b><font style='letter-spacing:0pt'>Recognition of Insurance Premiums and Other Considerations</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'><font style='letter-spacing:0pt'>Premiums</font> and other consideration for traditional life insurance products (which include those products with fixed and guaranteed premiums and benefits and consist principally of whole life insurance policies, limited payment life insurance policies, and certain annuities with life contingencies) are recognized as revenues when due from policyholders. Premiums and other consideration for interest-sensitive insurance policies (which include universal life policies, interest-sensitive life policies, deferred annuities, and annuities without life contingencies) are recognized when earned and consist of amounts assessed against policyholder account balances during the period for policy administration charges and surrender charges.</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Deferred Policy Acquisition Costs and Value of Business Acquired</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>Commissions and other costs, net of commission and expense allowances for reinsurance ceded, that vary with and are primarily related to the production of new insurance business have been deferred. Deferred policy acquisition costs (&#147;DAC&#148;) for traditional life insurance are amortized over the premium paying period of the related policies using assumptions consistent with those used in computing policy benefit reserves. For interest-sensitive insurance products, deferred policy acquisition costs are amortized generally in proportion to the present value of expected gross profits from surrender charges, investment, mortality and expense margins. This amortization is adjusted when estimates of current or future gross profits to be realized from a group of products are reevaluated. Deferred acquisition costs are written off when policies lapse or are surrendered.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company follows accounting principles generally accepted in the United States of America when accounting for DAC on internal replacements of insurance and investment contracts. An internal replacement is a modification in product benefits, features, rights or coverage that occurs by the exchange of a contract for a new contract, or by amendment, endorsement, or rider to contract, or by the election of a feature or coverage within a contract. Modifications that result in a replacement contract that is substantially changed from the replaced contract are accounted for as an extinguishment of the replaced contract. Unamortized DAC, unearned revenue liabilities and deferred sales inducements from the replaced contract are written-off. Modifications that result in a contract that is substantially unchanged from the replaced contract are accounted for as a continuation of the replaced contract. </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Value of business acquired is the present value of estimated future profits of the acquired business and is amortized similar to deferred policy acquisition costs.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Mortgage Servicing Rights</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Mortgage Service Rights (MSR) arise from contractual agreements between the Company and third-party investors (or their agents) when mortgage loans are sold. Under these contracts, the Company is obligated to retain and provide loan servicing functions on loans sold, in exchange for fees and other remuneration. The servicing functions typically performed include, among other responsibilities, collecting and remitting loan payments; responding to borrower inquiries;&nbsp;accounting for principal and interest, holding custodial (impound) funds for payment of property taxes and insurance premiums; counseling delinquent mortgagors; and supervising the acquisition of real estate owned and property dispositions. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The total residential mortgage loans serviced for others consist primarily of agency conforming fixed-rate mortgage loans.&#160; The value of MSRs is derived from the net cash flows associated with the servicing contracts. The Company receives a servicing fee of generally about 0.250% annually on the remaining outstanding principal balances of the loans. Based on the result of the cash flow analysis, an asset or liability is recorded for mortgage servicing rights. The servicing fees are collected from the monthly payments made by the mortgagors. The Company generally receives other remuneration including rights to various mortgagor-contracted fees such as late charges, and collateral reconveyance charges and the Company is generally entitled to retain the interest earned on funds held pending remittance of mortgagor principal, interest, tax and insurance payments. Contractual servicing fees and late fees are included in other revenues on the Consolidated Statements of Earnings.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Interest rate risk, prepayment risk, and default risk are inherent risks in MSR valuation. Interest rate changes largely drive prepayment rates. Refinance activity generally increases as rates decline. A significant decrease in rates beyond expectation could cause a decline in the value of the MSR. On the contrary, if rates increase borrowers are less likely to refinance or prepay their mortgage, which extends the duration of the loan and MSR values are likely to rise. Because of these risks, discount rates and prepayment speeds are used to estimate the fair value.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company&#146;s subsequent accounting for MSRs is based on the class of MSRs. The Company has identified two classes of MSRs: MSRs backed by mortgage loans with initial term of 30 years and MSRs backed by mortgage loans with initial term of 15 years. The Company distinguishes between these classes of MSRs due to their differing sensitivities to change in value as the result of changes in market. After being initially recorded at fair value, MSRs backed by mortgage loans are accounted for using the amortization method. MSR amortization is determined by amortizing the balance straight-line over an estimated seven and nine year life.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company periodically assesses MSRs for impairment. Impairment occurs when the current fair value of the MSR falls below the asset&#146;s carrying value (carrying value is the amortized cost reduced by any related valuation allowance). If MSRs are impaired, the impairment is recognized in current-period earnings and the carrying value of the MSRs is adjusted through a valuation allowance. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Management periodically reviews the various loan strata to determine whether the value of the MSRs in a given stratum is impaired and likely to recover. When management deems recovery of the value to be unlikely in the foreseeable future, a write-down of the cost of the MSRs for that stratum to its estimated recoverable value is charged to the valuation allowance.</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b>Derivative Instruments</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Mortgage Banking Derivatives</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Loan Commitments</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company is exposed to price risk due to the potential impact of changes in interest rates on the values of loan commitments from the time a loan commitment is made to an applicant to the time the loan that would result from the exercise of that loan commitment is funded. Managing price risk is complicated by the fact that the ultimate percentage of loan commitments that will be exercised (i.e., the number of loans that will be funded) fluctuates. The probability that a loan will not be funded or the loan application is denied or withdrawn within the terms of the commitment is driven by a number of factors, particularly the change, if any, in mortgage rates following the issuance of the loan commitment. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>In general, the probability of funding increases if mortgage rates rise and decreases if mortgage rates fall. This is due primarily to the relative attractiveness of current mortgage rates compared to the applicant&#146;s committed rate. The probability that a loan will not be funded within the terms of the mortgage loan commitment also is influenced by the source of the applications (retail, broker or correspondent channels), proximity to rate lock expiration, purpose for the loan (purchase or refinance) product type and the application approval status. The Company has developed fallout estimates using historical data that take into account all of the variables, as well as renegotiations of rate and point commitments that tend to occur when mortgage rates fall. These fallout estimates are used to estimate the number of loans that the Company expects to be funded within the terms of the loan commitments and are updated periodically to reflect the most current data. </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company estimates the fair value of a loan commitment based on the change in estimated fair value of the underlying mortgage loan, quoted MBS prices, estimates of the fair value of mortgage servicing rights, and an estimate of the probability that the mortgage loan will fund within the terms of the commitment net of estimated commission expense. The change in fair value of the underlying mortgage loan is measured from the date the loan commitment is issued and is shown net of expenses. Following issuance, the value of a loan commitment can be either positive or negative depending upon the change in value of the underlying mortgage loans. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Forward Sale Commitments</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company utilizes forward commitments to economically hedge the price risk associated with its outstanding mortgage loan commitments. A forward commitment protects the Company from losses on sales of the loans arising from exercise of the loan commitments. Management expects these types of commitments will experience changes in fair value opposite to changes in fair value of the loan commitments, thereby reducing earnings volatility related to the recognition in earnings of changes in the values of the commitments. </p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The net changes in fair value of all loan commitments and forward sale commitments are shown in current earnings as a component of mortgage fee income.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>Call and Put Options</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company uses a strategy of selling &#147;out of the money&#148; call options on its available for sale equity securities as a source of revenue.&#160; The options give the purchaser the right to buy from the Company specified equity securities at a set price up to a pre-determined date in the future.&#160; The Company uses the strategy of selling put options as a means of generating cash or purchasing equity securities at lower than current market prices.&#160; The Company receives an immediate payment of cash for the value of the option and establishes a liability for the fair value of the option.&#160; The liability for options is adjusted to fair value at each reporting date. In the event an option is exercised, the Company recognizes a gain on the sale of the equity security and a gain on the sale of the option.&#160; If the option expires unexercised, the Company recognizes a gain from the sale of the option.</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;text-decoration:underline;text-underline:single'><b><font style='text-decoration:none;text-underline:none'>Allowance for Doubtful Accounts and Loan Losses and Impaired Loans</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company records an allowance and recognizes an expense for potential losses from mortgage loans, other loans and receivables in accordance with generally accepted accounting principles. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Receivables are the result of cemetery and mortuary operations, mortgage loan operations and life insurance operations. The allowance is based upon the Company&#146;s historical experience for collectively evaluated impairment. Other allowances are based upon receivables individually evaluated for impairment. Collectability of the cemetery and mortuary receivables is significantly influenced by current economic conditions. The critical issues that impact recovery of mortgage loan operations are interest rate risk, loan underwriting, new regulations and the overall economy.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company provides allowances for losses on its mortgage loans held for investment through an allowance for loan losses. <font style='letter-spacing:-.1pt'>The allowance is comprised of two components. The first component is an allowance for collectively evaluated impairment that is based upon the Company&#146;s historical experience in collecting similar receivables. The second component is based upon individual evaluation of loans that are determined to be impaired. Upon determining impairment, the Company establishes an individual impairment allowance based upon an assessment of the fair value of the underlying collateral. See the schedules in Note 2 for additional information. </font>In addition, when a mortgage loan is past due more than 90 days, the Company does not accrue any interest income. When a loan becomes delinquent, the Company proceeds to foreclose on the real estate and all expenses for foreclosure are expensed as incurred. Once foreclosed, an adjustment for the lower of cost or fair value is made, if necessary, and the amount is classified as real estate held for investment. The Company will rent the properties until it is deemed desirable to sell them.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The allowance for losses on mortgage loans held for investment could change based on changes in the value of the underlying collateral, the performance status of the loans, or the Company&#146;s actual collection experience. The actual losses could change, in the near term, from the established allowance, based upon the occurrence or non-occurrence of these events. </p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b>Loan Loss Reserve</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The mortgage loan loss reserve is an estimate of probable losses at the balance sheet date that the Company will realize in the future on mortgage loans sold to third party investors. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The loan loss reserve analysis involves mortgage loans that have been sold to third party investors, which were believed to have met investor underwriting guidelines at the time of sale, where the Company has received a demand from the investor. There are generally three types of demands: make whole, repurchase, or indemnification. These types of demands are more particularly described as follows:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'><i>Make whole demand</i> &#150; A make whole demand occurs when an investor forecloses on a property and then sells the property. The make whole amount is calculated as the difference between the original unpaid principal balance, accrued interest and fees, less the sale proceeds.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-indent:.5in'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'><i>Repurchase demand</i> &#150; A repurchase demand usually occurs when there is a significant payment default, error in underwriting or detected loan fraud.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'><i>Indemnification demand</i> &#150; On certain loans the Company has negotiated a set fee that is to be paid in lieu of repurchase. The fee varies by investor and by loan product type.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:.5in;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Additional information related to the Loan Loss Reserve is included in Note 2.</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>Future Life, Annuity and Other Policy Benefits</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>Future policy benefit reserves for traditional life insurance are computed using a net level method, including assumptions as to investment yields, mortality, morbidity, withdrawals, and other assumptions based on the life insurance subsidiaries&#146; experience, modified as necessary to give effect to anticipated trends and to include provisions for possible unfavorable deviations. Such liabilities are, for some plans, graded to equal statutory values or cash values at or prior to maturity. The range of assumed interest rates for all traditional life insurance policy reserves was 4.5% to 10%. Benefit reserves for traditional limited-payment life insurance policies include the deferred portion of the premiums received during the premium-paying period. Deferred premiums are recognized as income over the life of the policies. Policy benefit claims are charged to expense in the period the claims are incurred. Increases in future policy benefits are charged to expense.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Future policy benefit reserves for interest-sensitive insurance products are computed under a retrospective deposit method and represent policy account balances before applicable surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policy account balances. Interest crediting rates for interest-sensitive insurance products ranged from 3% to 6.5%.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Participating Insurance</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Participating business constituted 2% of insurance in force for the years ended 2016, 2015 and 2014. The provision for policyholders&#146; dividends included in policyholder obligations is based on dividend scales anticipated by management. Amounts to be paid are determined by the Board of Directors.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Reinsurance</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company follows the procedure of reinsuring risks in excess of $100,000 to provide for greater diversification of business to allow management to control exposure to potential losses arising from large risks, and provide additional capacity for growth. The Company remains liable for amounts ceded in the event the reinsurers are unable to meet their obligations.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company entered into coinsurance agreements with unaffiliated insurance companies under which the Company assumed 100% of the risk for certain life insurance policies and certain other policy-related liabilities of the insurance company.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Reinsurance premiums, commissions, expense reimbursements, and reserves related to reinsured business are accounted for on a basis consistent with those used in accounting for the original policies issued and the terms of the reinsurance contracts. Expense allowances received in connection with reinsurance ceded are accounted for as a reduction of the related policy acquisition costs and are deferred and amortized accordingly.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Pre-need Sales and Costs</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Pre-need contract sales of funeral services and caskets - revenue and costs associated with the sales of pre-need funeral services and caskets are deferred until the services are performed or the caskets are delivered.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Sales of cemetery interment rights (cemetery burial property) - revenue and costs associated with the sale of cemetery interment rights are recognized in accordance with the retail land sales provisions based on GAAP. Under GAAP, recognition of revenue and associated costs from constructed cemetery property must be deferred until a minimum percentage of the sales price has been collected. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Pre-need contract sales of cemetery merchandise (primarily markers and vaults) - revenue and costs associated with the sale of pre-need cemetery merchandise is deferred until the merchandise is delivered. Pre-need contract sales of cemetery services (primarily merchandise delivery, installation fees and burial opening and closing fees) - revenue and costs associated with the sales of pre-need cemetery services are deferred until the services are performed.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Prearranged funeral and pre-need cemetery customer acquisition costs - costs incurred related to obtaining new pre-need contract cemetery and prearranged funeral services are accounted for under the guidance of the provisions based on GAAP. Obtaining costs, which include only costs that vary with and are primarily related to the acquisition of new pre-need cemetery and prearranged funeral services, are deferred until the merchandise is delivered or services are performed.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Revenues and costs for at need sales are recorded when a valid contract exists, the services are performed, collection is reasonably assured and there are no significant obligations remaining.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company, through its cemetery and mortuary operations, provides guaranteed funeral arrangements wherein a prospective customer can receive future goods and services at guaranteed prices. To accomplish this, the Company, through its life insurance operations, sells to the customer an increasing benefit life insurance policy that is assigned to the mortuaries. If, at the time of need, the policyholder/potential mortuary customer utilizes one of the Company&#146;s facilities, the guaranteed funeral arrangement contract that has been assigned will provide the funeral goods and services at the contracted price. The increasing life insurance policy will cover the difference between the original contract prices and current prices. Risks may arise if the difference cannot be fully met by the life insurance policy. However, management believes that given current inflation rates and related price increases of goods and services, the risk of exposure is minimal.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Mortgage Fee Income</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Mort<font style='letter-spacing:-.1pt'>g</font>a<font style='letter-spacing:-.15pt'>g</font>e<font style='letter-spacing:-.95pt'> </font>f<font style='letter-spacing:-.15pt'>e</font>e<font style='letter-spacing:-.95pt'> </font>income<font style='letter-spacing:-.95pt'> </font><font style='letter-spacing:-.15pt'>c</font>onsists<font style='letter-spacing:-.95pt'> </font>of<font style='letter-spacing:-.95pt'> </font>origin<font style='letter-spacing:-.1pt'>a</font>tion<font style='letter-spacing:-.95pt'> </font><font style='letter-spacing:-.1pt'>f</font>ees,<font style='letter-spacing:-1.15pt'> </font>proc<font style='letter-spacing:-.15pt'>e</font>ssing<font style='letter-spacing:-1.15pt'> </font>fe<font style='letter-spacing:-.15pt'>e</font>s<font style='letter-spacing:-1.05pt'> </font>and<font style='letter-spacing:-1.15pt'> </font>ce<font style='letter-spacing:-.15pt'>r</font>tain<font style='letter-spacing:-1.1pt'> </font>other<font style='letter-spacing:-.95pt'> </font>income<font style='letter-spacing:-1.05pt'> </font>rel<font style='letter-spacing:-.1pt'>a</font>ted to<font style='letter-spacing:-.95pt'> </font>the<font style='letter-spacing:-1.1pt'> </font><font style='letter-spacing:.05pt'>o</font><font style='letter-spacing:-.1pt'>r</font><font style='letter-spacing:.1pt'>i</font><font style='letter-spacing:-.1pt'>g</font>in<font style='letter-spacing:-.1pt'>a</font><font style='letter-spacing:.1pt'>t</font>ion<font style='letter-spacing:-1.1pt'> </font><font style='letter-spacing:-.1pt'>a</font><font style='letter-spacing:.05pt'>n</font>d<font style='letter-spacing:-1.1pt'> </font>s<font style='letter-spacing:-.1pt'>a</font><font style='letter-spacing:.1pt'>l</font>e<font style='letter-spacing:-1.1pt'> </font><font style='letter-spacing:-.1pt'>o</font>f<font style='letter-spacing:-1.05pt'> </font>mo<font style='letter-spacing:-.1pt'>r</font><font style='letter-spacing:.1pt'>t</font><font style='letter-spacing:-.1pt'>gag</font>e<font style='letter-spacing:-.95pt'> </font>lo<font style='letter-spacing:-.1pt'>a</font><font style='letter-spacing:.05pt'>n</font>s.<font style='letter-spacing:-.95pt'> </font><font style='letter-spacing:-.1pt'>F</font><font style='letter-spacing:.05pt'>o</font>r<font style='letter-spacing:-1.1pt'> </font>mortgage loans sold to third party investors, mortgage fee income and related expenses are recognized pursuant to GAAP at the time the sales of mortgage loans comply with the sales criteria for the transfer of financial assets, which are: (i) the transferred assets have been isolated from the Company<font style='letter-spacing:-.6pt'> </font>and<font style='letter-spacing:-.25pt'> </font>its<font style='letter-spacing:-.25pt'> </font>cr<font style='letter-spacing:-.1pt'>e</font>ditors,<font style='letter-spacing:-.25pt'> </font>(ii) <font style='letter-spacing:.05pt'>th</font>e<font style='letter-spacing:-.85pt'> </font><font style='letter-spacing:.05pt'>t</font><font style='letter-spacing:-.05pt'>ra</font><font style='letter-spacing:.05pt'>n</font><font style='letter-spacing:-.05pt'>s</font><font style='letter-spacing:.05pt'>f</font><font style='letter-spacing:-.15pt'>e</font><font style='letter-spacing:.05pt'>r</font><font style='letter-spacing:-.15pt'>e</font>e<font style='letter-spacing:-.75pt'> </font><font style='letter-spacing:.05pt'>h</font><font style='letter-spacing:-.1pt'>a</font>s<font style='letter-spacing:-.65pt'> </font><font 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</font><font style='letter-spacing:.05pt'>th</font>e<font style='letter-spacing:-1.0pt'> </font><font style='letter-spacing:.05pt'>mo</font><font style='letter-spacing:-.15pt'>r</font><font style='letter-spacing:.05pt'>t</font><font style='letter-spacing:-.15pt'>g</font><font style='letter-spacing:-.05pt'>a</font><font style='letter-spacing:-.1pt'>g</font><font style='letter-spacing:-.05pt'>e</font>,<font style='letter-spacing:-.85pt'> </font><font style='letter-spacing:-.05pt'>a</font><font style='letter-spacing:.05pt'>n</font>d<font style='letter-spacing:-.9pt'> </font><font style='letter-spacing:.05pt'>(iii</font>)<font style='letter-spacing:-.9pt'> </font><font style='letter-spacing:.05pt'>th</font>e<font style='letter-spacing:-1.0pt'> </font><font style='letter-spacing:.05pt'>Co</font><font style='letter-spacing:-.05pt'>m</font><font style='letter-spacing:.05pt'>p</font><font style='letter-spacing:-.1pt'>a</font><font style='letter-spacing:.05pt'>n</font>y<font style='letter-spacing:-1.25pt'> </font><font style='letter-spacing:.05pt'>d</font><font style='letter-spacing:-.05pt'>oe</font>s<font style='letter-spacing:-.85pt'> </font><font style='letter-spacing:.05pt'>n</font><font style='letter-spacing:-.05pt'>o</font>t<font style='letter-spacing:-.65pt'> </font><font style='letter-spacing:.05pt'>m</font><font style='letter-spacing:-.1pt'>a</font><font style='letter-spacing:.05pt'>in</font><font style='letter-spacing:-.05pt'>ta</font><font style='letter-spacing:.05pt'>in </font>ef<font style='letter-spacing:-.1pt'>f</font>ective<font style='letter-spacing:-.1pt'> </font><font style='letter-spacing:-.15pt'>c</font>ontrol<font style='letter-spacing:-.1pt'> </font>over<font style='letter-spacing:-.1pt'> </font>the<font style='letter-spacing:-.1pt'> </font>t<font style='letter-spacing:-.1pt'>r</font>ansf<font style='letter-spacing:-.1pt'>e</font>rr<font style='letter-spacing:-.1pt'>e</font>d<font style='letter-spacing:-.1pt'> </font>mort<font style='letter-spacing:-.1pt'>g</font>a<font style='letter-spacing:-.15pt'>g</font>e.<font style='letter-spacing:-.1pt'> </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company has determined that all three criteria are met at the time a loan is purchased from a third party investor. Until the loan is purchased, all direct selling revenues and costs are deferred. </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company, through its mortgage subsidiaries, sells mortgage loans to third party investors without recourse. However, it may be required to repurchase a loan or pay a fee instead of repurchase under certain events, which include the following:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-indent:-.25in;text-autospace:ideograph-numeric ideograph-other'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Failure to deliver original documents specified by the investor,</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-indent:-.25in;text-autospace:ideograph-numeric ideograph-other'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>The existence of misrepresentation or fraud in the origination of the loan,</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-indent:-.25in;text-autospace:ideograph-numeric ideograph-other'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>The loan becomes delinquent due to nonpayment during the first several months after it is sold,</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-indent:-.25in;text-autospace:ideograph-numeric ideograph-other'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Early pay-off of a loan, as defined by the agreements,</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-indent:-.25in;text-autospace:ideograph-numeric ideograph-other'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Excessive time to settle a loan,</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-indent:-.25in;text-autospace:ideograph-numeric ideograph-other'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Investor declines purchase, and</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:1.0in;text-align:justify;text-indent:-.25in;text-autospace:ideograph-numeric ideograph-other'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Discontinued product and expired commitment.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Loan purchase commitments generally specify a date 30 to 45 days after delivery upon which the underlying loans should be settled. Depending on market conditions, these commitment settlement dates can be extended at a cost to the Company. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>It is the Company's policy to cure any documentation problems regarding such loans at a minimal cost for up to a six-month time period and to pursue efforts to enforce loan purchase commitments from third-party investors concerning the loans. The Company believes that six months allows adequate time to remedy any documentation issues, to enforce purchase commitments, and to exhaust other alternatives. Remedial methods include the following:</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;line-height:115%;margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:1.0in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Research reasons for rejection,</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;line-height:115%;margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:1.0in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Provide additional documents,</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;line-height:115%;margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:1.0in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Request investor exceptions,</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;line-height:115%;margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:1.0in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Appeal rejection decision to purchase committee, and</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;line-height:115%;margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:1.0in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>Commit to secondary investors.</p> <p style='margin-top:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:.5in;line-height:115%;margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Once purchase commitments have expired and other alternatives to remedy are exhausted, which could be earlier than the six-month time period, the loans are repurchased and transferred to the long-term investment portfolio at the lower of cost or fair value and previously recorded sales revenue that was to be received from a third-party investor is written off against the loan loss reserve. Any loan that later becomes delinquent is evaluated by the Company at that time and any impairment is adjusted accordingly. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>Determining Lower of Cost or Market</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Cost is equal to the amount paid to the warehouse bank and the amount originally funded by the Company. Market value is often difficult to determine, but is based on the following:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;margin-left:1.0in;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>For loans that have an active market the Company uses the market price on the repurchased date.</p> <p style='margin:0in;margin-bottom:.0001pt;margin-left:1.0in;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>For loans where there is no market but there is a similar product, the Company uses the market value for the similar product on the repurchased date.</p> <p style='margin:0in;margin-bottom:.0001pt;margin-left:1.0in;text-align:justify;text-indent:-.25in'><font style='font-family:Symbol'>&#183;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>For loans where no active market exists on the repurchased date, the Company determines that the unpaid principal balance best approximates the market value on the repurchased date, after considering the fair value of the underlying real estate collateral and estimated future cash flows.</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The appraised value of the real estate underlying the original mortgage loan adds support to the Company&#146;s determination of fair value because if the loan becomes delinquent, the Company has sufficient value to collect the unpaid principal balance or the carrying value of the loan. In determining the market value on the date of repurchase, the Company considers the total value of all of the loans because any sale of loans would be made as a pool. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company provides an allowance for loan losses on its mortgage loans held for investment. The allowance is comprised of two components. The first component is an allowance for collectively evaluated impairment that is based upon the Company&#146;s historical experience in collecting similar receivables. The second component is based upon individual evaluation of loans that are determined to be impaired.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Commercial Loans</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Each quarter, management reviews the current commercial loans and determines if an allowance is required based on the Company&#146;s actual experience of losses on impaired commercial loans. To date, the Company has not incurred any significant losses. The carrying value of all commercial loans is supported by appraisals and cash flow analysis of revenue received. Also, the Company does not accrue any interest income or capitalize any of the foreclosure costs on impaired commercial loans.</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u>Residential and Construction Loans</u></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company believes that in an orderly market fair value will approximate the replacement cost of a home and the rental income provides a cash flow stream for investment analysis. The Company believes the highest and best use of the properties are as income producing assets since it is the Company&#146;s intent to hold the properties as rental properties, matching the income from the investment in rental properties with the funds required for future estimated policy claims. Accordingly, the fair value determination will be weighted more heavily toward the rental analysis. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>It should be noted that for replacement cost, when determining the fair value of mortgage properties, the Company uses Marshall and Swift, a provider of building cost information to the real estate construction industry. For the investment analysis, the Company used market data based upon its real estate operation experience and projected the present value of the net rental income over seven years. The Company used 20% of the projected cash flow analysis and 80% of the replacement cost to approximate fair value of the collateral. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Each quarter the Company also analyzes its current loan portfolio and determines the level of allowance needed for loans that are listed as current in the portfolio. The basis of the analysis places a higher weight on loans with high loan to value ratios, those that lack mortgage insurance, and certain loan types that have a higher percentage of default based on the Company&#146;s experience. </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Each quarter the Company makes further analysis of the foreclosed properties to determine if any additional allowances are necessary by comparing national indexes of loan to value ratios by region to the Company&#146;s loan to value ratios. Based upon the above procedures, the Company&#146;s management believes that residential and residential construction loans are reflected in the Company&#146;s financial statements at the lower of cost or market in accordance with GAAP requirements.</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Goodwill</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Previous acquisitions have been accounted for as purchases under which assets acquired and liabilities assumed were recorded at their fair values with the excess purchase price recognized as goodwill. The Company evaluates annually or when changes in circumstances warrant the recoverability of goodwill and if there is a decrease in value, the related impairment is recognized as a charge against income. No impairment of goodwill has been recognized in the accompanying financial statements.</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'><font style='letter-spacing:0pt'>Long-lived Assets</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>Long-lived assets to be held and used are reviewed for impairment whenever events or changes in circumstances indicate that the related carrying amount may not be recoverable. When required, impairment losses on assets to be held and used are recognized based on the fair value of the asset, and long-lived assets to be disposed of are reported at the lower of carrying amount or fair value less costs to sell. No impairment of long-lived assets has been recognized in the accompanying financial statements.</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Income Taxes</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Income taxes include taxes currently payable plus deferred taxes. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to the temporary differences in the financial reporting basis and tax basis of assets and liabilities and operating loss carry-forwards. Deferred tax assets are measured using enacted tax rates expected to apply to taxable income in the years in which these temporary differences are expected to be recovered or settled.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Liabilities are established for uncertain tax positions expected to be taken in income tax returns when such positions are judged to meet the &#147;more-likely-than-not&#148; threshold based on the technical merits of the positions. Estimated interest and penalties related to uncertain tax penalties are included as a component of other expenses. </font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Earnings Per Common Share</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>The Company computes earnings per share in accordance with GAAP which requires presentation of basic and diluted earnings per share. Basic earnings per equivalent Class A common share are computed by dividing net earnings by the weighted-average number of Class A common <font style='letter-spacing:0pt'>shares outstanding during each year presented, after the effect of the assumed conversion of Class C common stock to Class A common stock. Diluted earnings per share is computed by dividing net earnings by the weighted-average number of common shares outstanding during the year used to compute basic earnings per share plus dilutive potential incremental shares. Basic and diluted earnings per share amounts have been adjusted retroactively for the effect of annual stock dividends.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><b><font style='letter-spacing:-.1pt'>Stock Based Compensation</font></b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The cost of employee services received in exchange for an award of equity instruments is recognized in the financial statements and is measured based on the fair value on the grant date of the award. The fair value of stock options is calculated using the Black Scholes method. Stock option compensation expense is recognized over the period during which an employee is required to provide service in exchange for the award. </font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>Concentration of Credit Risk</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>For a description of the geographic concentration risk regarding mortgage loans and real estate, refer to Note 2 of the Notes to Consolidated Financial Statements.</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'><b>Advertising</b></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>The Company expenses advertising costs as incurred.</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>Recent Accounting Pronouncements</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:12.0pt;text-autospace:none;letter-spacing:-.1pt;font-weight:bold'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>ASU No. 2016-13: &#147;Financial Instruments &#150; Credit Losses (Topic 326)&#148;</font></u><font style='letter-spacing:-.1pt'> &#150; Issued in June 2016, ASU 2016-13 amends guidance on reporting credit losses for assets held at amortized cost basis and available for sale debt securities. For assets held at amortized cost basis, Topic 326 eliminates the probable initial recognition threshold in current generally accepted accounting principles (&#147;GAAP&#148;) and, instead, requires an entity to reflect its current estimate of all expected credit losses. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of the financial assets to present the net amount expected to be collected. For available for sale debt securities, credit losses should be measured in a manner similar to current GAAP, however Topic 326 will require that credit losses be presented as an allowance rather than as a write-down. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2019. The Company is in the process of evaluating the potential impact of this standard.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>ASU No. 2016-02: &#147;Leases (Topic 842)&#148;</font></u><font style='letter-spacing:-.1pt'> - Issued in February 2016, ASU 2016-02 supersedes the leases requirements in ASC Topic 840, &#147;Leases&#148;, and was issued to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2018. The Company is in the process of evaluating the potential impact of this standard.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>ASU No. 2016-01: &#147;Financial Instruments &#150; Overall (Topic 825-10)&#148;</font></u><font style='letter-spacing:-.1pt'> &#150; Issued in January 2016, ASU 2016-01 changes the accounting for non-consolidated equity investments that are not accounted for under the equity method of accounting by requiring changes in fair value to be recognized in income. Under current guidance, changes in fair value for investments of this nature are recognized in accumulated other comprehensive income as a component of stockholders&#146; equity.&#160; Additionally, ASU 2016-01 simplifies the impairment assessment of equity investments without readily determinable fair values; requires entities to use the exit price when estimating the fair value of financial instruments; and modifies various presentation disclosure requirements for financial instruments.&#160; The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2017. The Company is in the process of evaluating the potential impact of this standard.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><u><font style='letter-spacing:-.1pt'>ASU No. 2014-09: &#147;Revenue from Contracts with Customers (Topic 606)&#148;</font></u><font style='letter-spacing:-.1pt'> - Issued in May 2014, ASU 2014-09 supersedes the revenue recognition requirements in ASC Topic 605, &#147;Revenue Recognition&#148;, and requires entities to recognize revenue in a way that depicts the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. Insurance contracts are excluded from the scope of this new guidance. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2017. The Company is in the process of evaluating the potential impact of this standard, which is not expected to be material to the Company&#146;s results of operations or financial position.</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>The Company has reviewed other recent accounting pronouncements and has determined that they will not significantly impact the Company&#146;s results of operations or financial position.</font></p> <!--egx--> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:12.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Amortized Cost</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Gains</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Losses</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Estimated Fair Value</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'><u>December 31, 2016</u>:</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="top" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:25.5pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities held to maturity carried at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="top" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="top" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="top" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="top" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:25.5pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>U.S. Treasury securities and obligations of U.S. Government agencies</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,475,065 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 249,028 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (66,111)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,657,982 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Obligations of states and political subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>6,017,225 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>153,514 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>(133,249)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>6,037,490 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Corporate securities including public utilities</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>164,375,636 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>10,440,989 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>(3,727,013)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>171,089,612 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Mortgage-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>9,488,083 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>221,400 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>(280,871)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>9,428,612 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Redeemable preferred stock</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>623,635 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,418 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; -&#160;&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>637,053 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Total fixed maturity securities held to maturity</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 184,979,644 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 11,078,349 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.36%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; (4,207,244)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.98%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 191,850,749 </p> </td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="53%" colspan="3" valign="bottom" style='width:53.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Equity securities available for sale at estimated fair value:</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="top" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Common stock:</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="top" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="top" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 10,985,338 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 447,110 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (859,092)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:26.25pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Total securities available for sale carried at estimated fair value</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 10,985,338 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 447,110 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.36%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (859,092)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.98%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:25.5pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate and construction loans held for investment at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 58,593,622 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Residential construction</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,800,117 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 51,536,622 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Less: Allowance for loan losses</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,748,783)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:26.25pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total mortgage loans on real estate and construction loans held for investment</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 149,181,578 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Real estate held for investment - net of depreciation</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 145,165,921 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:38.25pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans and other investments are shown at amortized cost except for other investments that are shown at estimated fair value:</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,694,148 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Insurance assignments</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,548,079 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Promissory notes </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 48,797 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Other investments at estimated fair value</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,765,752 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Less: Allowance for doubtful accounts</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,119,630)</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:13.5pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total policy loans and other investments</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 40,937,146 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:13.5pt'> <td width="37%" valign="top" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Short-term investments at amortized cost</p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 27,560,040 </p> </td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.36%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.98%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:12.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Amortized Cost</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Gains</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Gross Unrealized Losses</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Estimated Fair Value</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'><u>December 31, 2015:</u></p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="top" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:25.5pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities held to maturity carried at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="top" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="top" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="top" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="top" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:25.5pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>U.S. Treasury securities and obligations of U.S. Government agencies</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,560,579 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 292,869 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (4,743)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,848,705 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Obligations of states and political subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>1,805,828 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>182,073 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>(1,040)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>1,986,861 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Corporate securities including public utilities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>134,488,108 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>9,836,355 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>(5,501,743)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>138,822,720 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Mortgage-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>5,091,887 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>190,867 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>(75,580)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>5,207,174 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Redeemable preferred stock</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>612,023 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 29,675 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>641,698 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Total fixed maturity securities held to maturity</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 145,558,425 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 10,531,839 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; (5,583,106)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 150,507,158 </p> </td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="53%" colspan="3" valign="bottom" style='width:53.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Equity securities available for sale at estimated fair value:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="top" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Common stock:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="top" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="top" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="top" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,891,500 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 213,684 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; (1,674,094)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,431,090 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:26.25pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Total securities available for sale carried at estimated fair value</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,891,500 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="12%" valign="bottom" style='width:12.62%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 213,684 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.42%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; (1,674,094)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,431,090 </p> </td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:25.5pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate and construction loans held for investment at amortized cost:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 46,020,490 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Residential construction</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,851,557 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,522,978 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Less: Allowance for loan losses</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,848,120)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:26.25pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total mortgage loans on real estate and construction loans held for investment</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 112,546,905 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Real estate held for investment - net of depreciation</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 114,852,432 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:38.25pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans and other investments are shown at amortized cost except for other investments that are shown at estimated fair value:</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> </tr> <tr style='height:12.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,896,457 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Insurance assignments</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,369,014 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Promissory notes</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 48,797 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Other investments at estimated fair value</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,174,769 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Less: Allowance for doubtful accounts</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (906,616)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:13.5pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total policy loans and other investments</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160; 39,582,421 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:5.45pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:13.5pt'> <td width="37%" valign="top" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Short-term investments at amortized cost</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 16,915,808 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.62%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.42%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="13%" valign="bottom" style='width:13.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:44.1pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="9%" valign="bottom" style='width:9.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for Less than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'></td> <td width="9%" valign="bottom" style='width:9.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'></td> <td width="9%" valign="bottom" style='width:9.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for More than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'></td> <td width="9%" valign="bottom" style='width:9.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'></td> <td width="9%" valign="bottom" style='width:9.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Unrealized Loss</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="10%" valign="bottom" style='width:10.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:44.1pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>At December 31, 2016</u></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:25.5pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>U.S. Treasury Securities and Obligations </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; of U.S. Government Agencies</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;66,111 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,342,088 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 66,111 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,342,088 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Obligations of States and </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; Political Subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 133,249 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,686,856 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 133,249 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,686,856 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Corporate Securities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,728,312 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 41,796,016 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,998,701 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 12,969,135 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,727,013 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 54,765,151 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage and other</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>asset-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 176,715 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,176,089 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 104,156 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 940,278 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 280,871 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;&#160;&#160;5,116,367 </p> </td> </tr> <tr style='height:13.5pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,104,387 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 51,001,049 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,102,857 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 13,909,413 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 4,207,244 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.3%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 64,910,462 </p> </td> </tr> <tr style='height:5.25pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <!--egx--><table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:5.25pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:5.25pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for Less than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for More than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Unrealized Loss</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>At December 31, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:25.5pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>U.S. Treasury Securities and Obligations </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; of U.S. Government Agencies</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;4,743 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,191,782 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,743 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,191,782 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Obligations of States and </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; Political Subdivisions</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,040 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 86,388 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,040 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 86,388 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Corporate Securities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,701,572 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 30,109,114 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,800,171 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,723,569 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,501,743 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 33,832,683 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage and other</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>asset-backed securities</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.6%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 75,580 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,775,505 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.72%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.62%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 75,580 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,775,505 </p> </td> </tr> <tr style='height:13.5pt'> <td width="28%" valign="bottom" style='width:28.46%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 3,781,895 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 34,076,401 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,801,211 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,809,957 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.62%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 5,583,106 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.3%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 37,886,358 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:63.75pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="9%" valign="bottom" style='width:9.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for Less than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'></td> <td width="10%" valign="bottom" style='width:10.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>No. of Investment Positions</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Unrealized Losses for More than Twelve Months</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'></td> <td width="10%" valign="bottom" style='width:10.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>No. of Investment Positions</p> </td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:63.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Unrealized Losses</p> </td> </tr> <tr style='height:12.75pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>At December 31, 2016</u></p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160; &#160;&#160;215,563 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>124</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 643,529 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>104</p> </td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 859,092 </p> </td> </tr> <tr style='height:13.5pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.94%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 215,563 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.42%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>124</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 643,529 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>104</p> </td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 859,092 </p> </td> </tr> <tr style='height:14.25pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="9%" valign="bottom" style='width:9.94%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 2,063,144 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="10%" valign="bottom" style='width:10.42%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 1,685,874 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="10%" valign="bottom" style='width:10.44%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 3,749,018 </p> </td> </tr> <tr style='height:8.25pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="9%" valign="bottom" style='width:9.94%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="10%" valign="bottom" style='width:10.42%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="10%" valign="bottom" style='width:10.44%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> </tr> <tr style='height:12.75pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>At December 31, 2015</u></p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Industrial, miscellaneous and all other</p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 997,862 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.42%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>222</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 676,232 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>74</p> </td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="9%" valign="bottom" style='width:9.96%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 1,674,094 </p> </td> </tr> <tr style='height:13.5pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total unrealized losses</p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.94%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 997,862 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.42%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>222</p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 676,232 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>74</p> </td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 1,674,094 </p> </td> </tr> <tr style='height:14.25pt'> <td width="36%" valign="bottom" style='width:36.12%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.32%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="9%" valign="bottom" style='width:9.94%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 4,177,709 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="10%" valign="bottom" style='width:10.42%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 760,860 </p> </td> <td width="2%" valign="bottom" style='width:2.3%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="10%" valign="bottom" style='width:10.44%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="3%" valign="bottom" style='width:3.96%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="9%" valign="bottom" style='width:9.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 4,938,569 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Amortized</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Estimated Fair</p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;&nbsp;&nbsp;Cost&nbsp;&nbsp;&nbsp;</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;&nbsp;&nbsp;&nbsp;Value&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Held to Maturity:</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Due in 2017</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,148,334 </p> </td> <td width="4%" valign="bottom" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,232,674 </p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Due in 2018 through 2021</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 42,886,637 </p> </td> <td width="4%" valign="bottom" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 44,879,897 </p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Due in 2022 through 2026</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 42,090,383 </p> </td> <td width="4%" valign="bottom" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 43,288,035 </p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Due after 2026</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 83,742,572 </p> </td> <td width="4%" valign="bottom" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 87,324,617 </p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Mortgage-backed securities</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,488,083 </p> </td> <td width="4%" valign="bottom" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,488,473 </p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Redeemable preferred stock</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 623,635 </p> </td> <td width="4%" valign="bottom" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 637,053 </p> </td> </tr> <tr style='height:13.5pt'> <td width="45%" valign="top" style='width:45.2%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>Total held to maturity</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="23%" valign="bottom" style='width:23.26%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 184,979,644 </p> </td> <td width="4%" valign="bottom" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="23%" valign="bottom" style='width:23.26%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 191,850,749 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="4%" valign="top" style='width:4.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Estimated Fair </p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Cost </p> </td> <td width="4%" valign="top" style='width:4.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;&nbsp;&nbsp;&nbsp;&nbsp;Value&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p> </td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Available for Sale:</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="4%" valign="top" style='width:4.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="top" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="45%" valign="top" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:10.0pt;text-autospace:ideograph-numeric ideograph-other'>Common stock</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,985,338 </p> </td> <td width="4%" valign="bottom" style='width:4.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="23%" valign="bottom" style='width:23.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> </tr> <tr style='height:13.5pt'> <td width="45%" valign="top" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:20.0pt;text-autospace:ideograph-numeric ideograph-other'>Total available for sale</p> </td> <td width="4%" valign="top" style='width:4.14%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="23%" valign="bottom" style='width:23.26%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,985,338 </p> </td> <td width="4%" valign="bottom" style='width:4.26%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="23%" valign="bottom" style='width:23.26%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities held</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>to maturity:</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Gross realized gains</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;389,558 </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 387,162 </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 390,203 </p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Gross realized losses</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (132,124)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (82,166)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (71,800)</p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; Other than temporary impairments</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (100,000)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (120,000)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (120,000)</p> </td> </tr> <tr style='height:6.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Securities available for sale:</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Gross realized gains</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 221,817 </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 180,602 </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 349,207 </p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Gross realized losses</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (61,242)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (66,850)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (55,222)</p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; Other than temporary impairments</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (170,358)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (293,714)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (44,240)</p> </td> </tr> <tr style='height:6.0pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Other assets:</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Gross realized gains</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 349,252 </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,067,438 </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,445,596 </p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>Gross realized losses</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (943,648)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (84,827)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (139,808)</p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; Other than temporary impairments</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (191,716)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.32%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:13.5pt'> <td width="42%" valign="top" style='width:42.74%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:19.15pt;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="top" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (446,745)</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 1,795,929 </p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 1,753,936 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="42%" valign="top" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="17%" valign="top" style='width:17.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="top" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="top" style='width:16.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="top" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="top" style='width:18.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 8,972,877 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 8,168,441 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 8,229,451 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Equity securities</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 270,942 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 269,795 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 212,917 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 8,963,105 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 7,696,533 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 7,550,110 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Real estate</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 10,969,828 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 9,454,567 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 8,433,895 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 781,188 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 749,917 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 741,220 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Insurance assignments</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 11,876,836 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 8,915,655 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 7,324,964 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other investments</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 25,122 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,533 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:30.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Short-term investments, principally gains on &#160;&#160; sale of mortgage loans</p> </td> <td width="17%" valign="bottom" style='width:17.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 4,976,180 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 7,594,014 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 5,072,418 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Gross investment income</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 46,836,078 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 42,855,455 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 37,564,975 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Investment expenses</p> </td> <td width="17%" valign="bottom" style='width:17.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (9,253,634)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (8,847,551)</p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (9,261,235)</p> </td> </tr> <tr style='height:15.75pt'> <td width="42%" valign="bottom" style='width:42.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net investment income</p> </td> <td width="17%" valign="bottom" style='width:17.48%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 37,582,444 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 34,007,904 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="18%" valign="bottom" style='width:18.54%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 28,303,740 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="42%" colspan="3" valign="bottom" style='width:42.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Net Ending Balance</p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="31%" colspan="3" valign="bottom" style='width:31.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Square Footage</p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="42%" colspan="3" valign="bottom" style='width:42.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="31%" colspan="3" valign="bottom" style='width:31.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Arizona</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 450,538 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1)</p> </td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 463,774 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1)</p> </td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 16,270 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 16,270 </p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Arkansas</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 100,369 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 3,200 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Kansas</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 12,450,297 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 11,537,335 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;222,679 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;222,679 </p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Louisiana</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 518,700 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 7,063 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mississippi</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 3,818,985 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 33,821 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>New Mexico</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,000 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1)</p> </td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,000 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1)</p> </td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Texas</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 3,734,974 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 3,768,542 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 23,470 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 23,470 </p> </td> </tr> <tr style='height:15.0pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Utah</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 47,893,073 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(2)</p> </td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 17,403,746 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> 433,244 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> 253,244 </p> </td> </tr> <tr style='height:5.45pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.75pt'> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="17%" valign="bottom" style='width:17.86%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 68,973,936 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="17%" valign="bottom" style='width:17.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 33,180,397 </p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.34%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> 739,747 </p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.34%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> 515,663 </p> </td> </tr> <tr style='height:15.75pt'> <td width="16%" valign="top" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="17%" valign="bottom" style='width:17.86%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" colspan="3" valign="bottom" style='width:37.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1) Includes Vacant Land</p> </td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="6%" valign="bottom" style='width:6.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="82%" colspan="7" valign="bottom" style='width:82.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(2) Includes 53rd Center to be completed in July 2017.</p> </td> <td width="2%" valign="bottom" style='width:2.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="66%" colspan="3" valign="bottom" style='width:66.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Net Ending Balance</p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="66%" colspan="3" valign="bottom" style='width:66.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Arizona</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 742,259 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 944,614 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>California</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 5,848,389 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 6,158,253 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Colorado</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 364,489 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 553,230 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Florida</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 8,327,355 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 9,203,624 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Illinois</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 165,800 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Oklahoma</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 46,658 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 99,862 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Oregon</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 120,000 </p> </td> </tr> <tr style='height:15.0pt'> <td width="33%" colspan="2" valign="bottom" style='width:33.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>South Carolina</p> </td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;823,872 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Texas</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160; 1,091,188 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 1,198,860 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Utah</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 59,485,466 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 62,117,738 </p> </td> </tr> <tr style='height:15.0pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Washington</p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="32%" valign="bottom" style='width:32.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160; 286,181 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="29%" valign="bottom" style='width:29.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 286,182 </p> </td> </tr> <tr style='height:15.75pt'> <td width="28%" valign="bottom" style='width:28.92%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="32%" valign="bottom" style='width:32.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; 76,191,985 </p> </td> <td width="4%" valign="bottom" style='width:4.72%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="29%" valign="bottom" style='width:29.5%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 81,672,035 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:11.25pt'> <td width="100%" colspan="8" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Allowance for Credit Losses and Recorded Investment in Mortgage Loans</p> </td> </tr> <tr style='height:11.25pt'> <td width="100%" colspan="8" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years Ended December 31</p> </td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:22.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Commercial </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Residential </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Residential Construction </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:22.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Total </p> </td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b><u>2016</u></b></p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Allowance for credit losses:</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Beginning balance</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,560,877 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,848,120 </p> </td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Charge-offs</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (420,135)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (420,135)</p> </td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Provision</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 320,798 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 320,798 </p> </td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,461,540 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,748,783 </p> </td> </tr> <tr style='height:8.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 187,470 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 187,470 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,274,070 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,561,313 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:4.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans:</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 51,536,622 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 58,593,622 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 40,800,117 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 150,930,361 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,184,425 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 51,333,630 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 55,677,084 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 40,735,222 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 147,745,936 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:4.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b><u>2015</u></b></p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Allowance for credit losses:</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Beginning balance</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,715,812 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,003,055 </p> </td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Charge-offs</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (123,942)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (123,942)</p> </td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Provision</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (30,993)</p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (30,993)</p> </td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,560,877 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,848,120 </p> </td> </tr> <tr style='height:8.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:8.25pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 305,962 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 305,962 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 187,129 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 1,254,915 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 100,114 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,542,158 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:4.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:11.25pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans:</p> </td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 33,522,978 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 46,020,490 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 34,851,557 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 114,395,025 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: individually evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 3,087,161 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 3,180,430 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: collectively evaluated for impairment</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 33,522,978 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 42,933,329 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 34,758,287 </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 111,214,594 </p> </td> </tr> <tr style='height:7.5pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.38%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="12%" valign="bottom" style='width:12.56%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:12.0pt'> <td width="46%" valign="bottom" style='width:46.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Ending balance: loans acquired with deteriorated credit quality</p> </td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.38%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.26%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="12%" valign="bottom" style='width:12.56%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> </table> <!--egx--><table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.0pt'> <td width="100%" colspan="10" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Age Analysis of Past Due Mortgage Loans </p> </td> </tr> <tr style='height:12.0pt'> <td width="100%" colspan="10" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years Ended December 31</p> </td> </tr> <tr style='height:3.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> </tr> <tr style='height:21.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;30-59 Days Past Due </p> </td> <td width="9%" valign="bottom" style='width:9.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;60-89 Days Past Due </p> </td> <td width="9%" valign="bottom" style='width:9.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Greater Than 90 Days 1) </p> </td> <td width="10%" valign="bottom" style='width:10.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> In Process of Foreclosure 1) </p> </td> <td width="9%" valign="bottom" style='width:9.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Total Past Due </p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Current </p> </td> <td width="11%" valign="bottom" style='width:11.36%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Total Mortgage Loans </p> </td> <td width="10%" valign="bottom" style='width:10.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Allowance for Loan Losses </p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:21.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Net Mortgage Loans </p> </td> </tr> <tr style='height:12.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b><u>2016</u></b></p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> </tr> <tr style='height:12.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 51,333,630 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 51,536,622 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (187,129)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 51,349,493 </p> </td> </tr> <tr style='height:12.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 964,960 </p> </td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 996,779 </p> </td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,290,355 </p> </td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,626,183 </p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,878,277 </p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,715,345 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 58,593,622 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(1,461,540)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 57,132,082 </p> </td> </tr> <tr style='height:18.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential &#160; Construction</p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;64,895 </p> </td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,735,222 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,800,117 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (100,114)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,700,003 </p> </td> </tr> <tr style='height:3.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="9%" valign="bottom" style='width:9.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 964,960 </p> </td> <td width="9%" valign="bottom" style='width:9.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 996,779 </p> </td> <td width="9%" valign="bottom" style='width:9.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 1,355,250 </p> </td> <td width="10%" valign="bottom" style='width:10.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,829,175 </p> </td> <td width="9%" valign="bottom" style='width:9.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,146,164 </p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 145,784,197 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 150,930,361 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; (1,748,783)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 149,181,578 </p> </td> </tr> <tr style='height:3.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> </tr> <tr style='height:12.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b><u>2015</u></b></p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> </tr> <tr style='height:12.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,522,978 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,522,978 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (187,129)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 33,335,849 </p> </td> </tr> <tr style='height:12.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,162,102 </p> </td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 884,143 </p> </td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,212,993 </p> </td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,087,161 </p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,346,399 </p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 38,674,091 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 46,020,490 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,560,877)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 44,459,613 </p> </td> </tr> <tr style='height:18.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential &#160; Construction</p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 158,164 </p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,693,393 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,851,557 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (100,114)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:18.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,751,443 </p> </td> </tr> <tr style='height:3.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="9%" valign="bottom" style='width:9.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,162,102 </p> </td> <td width="9%" valign="bottom" style='width:9.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 884,143 </p> </td> <td width="9%" valign="bottom" style='width:9.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,277,888 </p> </td> <td width="10%" valign="bottom" style='width:10.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,180,430 </p> </td> <td width="9%" valign="bottom" style='width:9.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 7,504,563 </p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 106,890,462 </p> </td> <td width="11%" valign="bottom" style='width:11.36%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 114,395,025 </p> </td> <td width="10%" valign="bottom" style='width:10.6%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (1,848,120)</p> </td> <td width="10%" valign="bottom" style='width:10.38%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 112,546,905 </p> </td> </tr> <tr style='height:15.0pt'> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b><u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></b></p> </td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="9%" valign="bottom" style='width:9.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="9%" valign="bottom" style='width:9.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="9%" valign="bottom" style='width:9.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:12.0pt'> <td width="67%" colspan="7" valign="bottom" style='width:67.66%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>1)&#160; There was not any interest income recognized on loans past due greater than 90 days or in foreclosure.</p> </td> <td width="11%" valign="bottom" style='width:11.36%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.6%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.38%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:-27.0pt;text-align:justify;line-height:4.0pt'>&nbsp;</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:11.25pt'> <td width="100%" colspan="10" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Impaired Loans</p> </td> </tr> <tr style='height:11.25pt'> <td width="100%" colspan="10" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years Ended December 31</p> </td> </tr> <tr style='height:33.75pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="11%" valign="bottom" style='width:11.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Recorded Investment </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="12%" valign="bottom" style='width:12.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Unpaid Principal Balance </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="11%" valign="bottom" style='width:11.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Related Allowance </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="14%" valign="bottom" style='width:14.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Average Recorded Investment </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'></td> <td width="11%" valign="bottom" style='width:11.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Interest Income Recognized </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b><u>2016</u></b></p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With no related allowance recorded:</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;- </p> </td> </tr> <tr style='height:3.95pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With an allowance recorded:</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;374,501 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:3.95pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total:</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 374,501 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:3.95pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><b><u>2015</u></b></p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With no related allowance recorded:</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:3.95pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>With an allowance recorded:</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 3,087,161 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 3,087,161 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 305,962 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,087,161 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:3.95pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:3.95pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total:</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Commercial</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 3,087,161 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 3,087,161 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 305,962 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,087,161 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:11.25pt'> <td width="29%" valign="bottom" style='width:29.46%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; Residential construction</p> </td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="12%" valign="bottom" style='width:12.26%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.18%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="14%" valign="bottom" style='width:14.2%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 93,269 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="11%" valign="bottom" style='width:11.4%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>The Company&#146;s performing and non-performing mortgage loans were as follows: </p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:11.25pt'> <td width="100%" colspan="16" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortgage Loan Credit Exposure</p> </td> </tr> <tr style='height:11.25pt'> <td width="100%" colspan="16" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Credit Risk Profile Based on Payment Activity</p> </td> </tr> <tr style='height:11.25pt'> <td width="100%" colspan="16" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years Ended December 31</p> </td> </tr> <tr style='height:4.15pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="8%" valign="bottom" style='width:8.36%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="9%" valign="bottom" style='width:9.76%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="10%" valign="bottom" style='width:10.96%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> </tr> <tr style='height:11.25pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Commercial </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Residential </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Residential Construction </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="22%" colspan="3" valign="bottom" style='width:22.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Total </p> </td> </tr> <tr style='height:11.25pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="8%" valign="bottom" style='width:8.36%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.76%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="8%" valign="bottom" style='width:8.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="10%" valign="bottom" style='width:10.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:7.5pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="8%" valign="bottom" style='width:8.36%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="9%" valign="bottom" style='width:9.76%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="10%" valign="bottom" style='width:10.96%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:11.25pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Performing</p> </td> <td width="8%" valign="bottom" style='width:8.36%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 51,333,630 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.76%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 33,522,978 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 55,677,084 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 40,720,336 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 40,735,222 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 34,693,393 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="10%" valign="bottom" style='width:10.96%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 147,745,936 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 108,936,707 </p> </td> </tr> <tr style='height:11.25pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Non-performing</p> </td> <td width="8%" valign="bottom" style='width:8.36%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.76%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,916,538 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,300,154 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,895 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 158,164 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="10%" valign="bottom" style='width:10.96%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,184,425 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,458,318 </p> </td> </tr> <tr style='height:6.75pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="8%" valign="bottom" style='width:8.36%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.76%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="10%" valign="bottom" style='width:10.96%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="9%" valign="bottom" style='width:9.32%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.0pt'> <td width="9%" valign="bottom" style='width:9.1%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="8%" valign="bottom" style='width:8.36%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 51,536,622 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.76%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 33,522,978 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.98%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 58,593,622 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="8%" valign="bottom" style='width:8.68%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 46,020,490 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 40,800,117 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 34,851,557 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="10%" valign="bottom" style='width:10.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 150,930,361 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="9%" valign="bottom" style='width:9.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 114,395,025 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="42%" valign="bottom" style='width:42.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="57%" colspan="3" valign="bottom" style='width:57.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortgage Loans on Non-accrual Status</p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="bottom" style='width:42.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="57%" colspan="3" valign="bottom" style='width:57.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years Ended December 31</p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="bottom" style='width:42.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> </p> </td> <td width="26%" valign="bottom" style='width:26.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="3%" valign="bottom" style='width:3.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="27%" valign="bottom" style='width:27.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="bottom" style='width:42.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="26%" valign="bottom" style='width:26.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 202,992 </p> </td> <td width="3%" valign="bottom" style='width:3.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="27%" valign="bottom" style='width:27.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="bottom" style='width:42.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="26%" valign="bottom" style='width:26.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,916,538 </p> </td> <td width="3%" valign="bottom" style='width:3.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="27%" valign="bottom" style='width:27.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,300,154 </p> </td> </tr> <tr style='height:12.75pt'> <td width="42%" valign="bottom" style='width:42.3%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential construction</p> </td> <td width="26%" valign="bottom" style='width:26.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;64,895 </p> </td> <td width="3%" valign="bottom" style='width:3.7%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="27%" valign="bottom" style='width:27.44%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 158,164 </p> </td> </tr> <tr style='height:13.5pt'> <td width="42%" valign="bottom" style='width:42.3%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="26%" valign="bottom" style='width:26.56%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,184,425 </p> </td> <td width="3%" valign="bottom" style='width:3.7%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="27%" valign="bottom" style='width:27.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,458,318 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160; Principal&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160; Principal&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160; Principal&#160; </p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Amounts</p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Amounts</p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Amounts</p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Due in</p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Due in</p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Due </p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="18%" valign="bottom" style='width:18.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2017</p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2018-2021</p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Thereafter</p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential&#160; </p> </td> <td width="18%" valign="bottom" style='width:18.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 58,593,622 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 6,115,360 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 11,916,728 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 40,561,534 </p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential Construction</p> </td> <td width="18%" valign="bottom" style='width:18.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,800,117 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 32,504,143 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 8,295,974 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; -&#160;&#160; </p> </td> </tr> <tr style='height:15.0pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="18%" valign="bottom" style='width:18.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 51,536,622 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 26,697,442 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 20,682,311 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 4,156,869 </p> </td> </tr> <tr style='height:15.75pt'> <td width="27%" valign="bottom" style='width:27.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="18%" valign="bottom" style='width:18.48%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 150,930,361 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.98%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 65,316,945 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.06%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 40,895,013 </p> </td> <td width="2%" valign="bottom" style='width:2.54%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.06%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 44,718,403 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-right:-1.0pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="47%" colspan="3" valign="bottom" style='width:47.02%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance, beginning of period</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,805,900 </p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,718,150 </p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Provision for current loan originations (1)</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,988,754 </p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,845,940 </p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Additional provision for loan loss reserve</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1700,000 </p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,449,103 </p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Charge-offs and settlements</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,866,921)</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="21%" valign="bottom" style='width:21.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (5,207,293)</p> </td> </tr> <tr style='height:13.5pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance, at December 31</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="21%" valign="bottom" style='width:21.9%;border:none;border-bottom:double windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 627,733 </p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="21%" valign="bottom" style='width:21.9%;border:none;border-bottom:double windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,805,900 </p> </td> </tr> <tr style='height:13.5pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="21%" valign="bottom" style='width:21.9%;border:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="21%" valign="bottom" style='width:21.9%;border:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:13.5pt'> <td width="49%" valign="bottom" style='width:49.76%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:0in;text-indent:0in;text-autospace:ideograph-numeric ideograph-other'>(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Included in Mortgage fee income</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="3%" valign="bottom" style='width:3.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="21%" valign="bottom" style='width:21.9%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>Receivables consist of the following:</font></p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="47%" colspan="3" valign="bottom" style='width:47.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Trade contracts</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,482,175 </p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,890,489 </p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Receivables from sales agents</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,016,393 </p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,280,423 </p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Held in Escrow &#150; Southern Security</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 107,388 </p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 245,088 </p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,122,890 </p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,345,690 </p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total receivables</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,728,846 </p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;7,761,690 </p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Allowance for doubtful accounts</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,355,482)</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" valign="bottom" style='width:22.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,700,696)</p> </td> </tr> <tr style='height:15.75pt'> <td width="49%" valign="bottom" style='width:49.52%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net receivables</p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="22%" valign="bottom" style='width:22.04%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,373,364 </p> </td> <td width="3%" valign="bottom" style='width:3.2%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="22%" valign="bottom" style='width:22.04%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,060,994 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="3%" valign="top" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="52%" colspan="4" valign="top" style='width:52.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="top" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="top" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Balance at beginning of year</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 8,743,773 </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 8,547,627 </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Value of&#160; business acquired</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,473,272 </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Imputed interest at 7%</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 45,762 </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 590,108 </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Amortization</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (1,219,235)</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (1,867,234)</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net amortization charged to income</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (1,173,473)</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (1,277,126)</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="44%" valign="top" style='width:44.62%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Balance at end of year</p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 7,570,300 </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="23%" valign="bottom" style='width:23.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 8,743,773 </p> </td> <td width="3%" valign="bottom" style='width:3.08%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="42%" valign="top" style='width:42.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="3%" valign="top" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="53%" colspan="3" valign="top" style='width:53.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="top" style='width:42.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="top" style='width:25.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="top" style='width:25.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="top" style='width:42.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Balance at beginning of year</p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="bottom" style='width:25.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="bottom" style='width:25.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="top" style='width:42.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Goodwill acquired</p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="bottom" style='width:25.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="bottom" style='width:25.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="top" style='width:42.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="bottom" style='width:25.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="25%" valign="bottom" style='width:25.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:7.5pt'> <td width="42%" valign="bottom" style='width:42.5%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="25%" valign="bottom" style='width:25.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="25%" valign="bottom" style='width:25.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:15.75pt'> <td width="42%" valign="top" style='width:42.5%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Balance at end of year</p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="25%" valign="bottom" style='width:25.22%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> <td width="3%" valign="bottom" style='width:3.52%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="25%" valign="bottom" style='width:25.22%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="49%" valign="top" style='width:49.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="3%" valign="top" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="47%" colspan="3" valign="top" style='width:47.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="top" style='width:49.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="top" style='width:22.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="top" style='width:22.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="top" style='width:49.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>&#160;Land and buildings </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,155,665 </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,126,195 </p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="top" style='width:49.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>&#160;Furniture and equipment </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 19,548,521 </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 16,613,862 </p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="top" style='width:49.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,704,186 </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 29,740,057 </p> </td> </tr> <tr style='height:12.75pt'> <td width="49%" valign="top" style='width:49.0%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'> Less accumulated depreciation </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (19,912,664)</p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="22%" valign="bottom" style='width:22.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (18,298,397)</p> </td> </tr> <tr style='height:13.5pt'> <td width="49%" valign="top" style='width:49.0%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'> Total </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="22%" valign="bottom" style='width:22.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,791,522 </p> </td> <td width="3%" valign="bottom" style='width:3.26%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="22%" valign="bottom" style='width:22.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 11,441,660 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="22%" colspan="3" valign="bottom" style='width:22.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;December 31 </p> </td> </tr> <tr style='height:15.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>1.65% above the monthly LIBOR rate (0.625% at December 31, 2016) note payable in monthly installments of $13,741 including principal and interest, collateralized by real property with a book value of approximately $498,000, due November 2017.&#160;&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 147,346 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 312,240 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mark to market of interest rate swaps (discussed below) adjustment</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,308 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,947 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>6.50% note payable in monthly installments of $1,702 including principal and interest, collateralized by real property with a book value of approximately $278,000, due October 2041.&#160;&#160; </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 251,072 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:60.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:60.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>2.25% above the monthly LIBOR rate (0.625% at December 31, 2016) plus 1/16th of the monthly LIBOR rate note payable in monthly principal payments of $13,167 plus interest, collateralized by real property with a book value of approximately $4,564,000, due October 2021.</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:60.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:60.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 3,133,787 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:60.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:60.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 3,260,266 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>3.85% note payable in monthly installments of $86,059 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due January 2018.</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,093,349 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 2,062,512 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>4.27% note payable in monthly installments of $53,881 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due November 2021.</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 2,904,354 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:5.25pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>4.40% note payable in monthly installments of $46,825 including principal and interest, collateralized by real property with a book value of approximately $12,060,000, due January 2026.</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 7,927,526 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 8,135,438 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>4.329% note payable in monthly installments of $9,775 including principal and interest, collateralized by real property with a book value of approximately $3,048,000, due September 2025.</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,992,056 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 2,020,993 </p> </td> </tr> <tr style='height:6.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>2.5% above the monthly LIBOR rate (0.625% at December 31, 2016) plus 1/16th of the monthly LIBOR rate construction loan payable, collateralized by real property with a book value of approximately $31,835,000, due August 2019.</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 8,777,941 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:6.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:45.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>2.60% above 90 day LIBOR rate (0.99789% at December 31, 2016) note payable in monthly installments of approximately $123,800, collateralized by real property with a book value of approximately $35,798,000, due October 2019.</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 27,377,114 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 24,933,346 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>1 month LIBOR rate (0.625% at December 31, 2016) plus 3% loan purchase agreement with a warehouse line availability of $100,000,000, matures June 2018</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 76,843,180 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 61,302,069 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;margin-left:9.0pt;text-indent:-9.0pt;text-autospace:ideograph-numeric ideograph-other'>1 month LIBOR rate (0.625% at December 31, 2016) plus 3% loan purchase agreement with a warehouse line availability of $100,000,000, matures September 2017</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 21,578,951 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 28,794,630 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:15.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other collateralized bank loans payable</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 109,734 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 169,212 </p> </td> </tr> <tr style='height:15.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other notes payable</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 961 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 961 </p> </td> </tr> <tr style='height:15.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:11.0pt;text-autospace:ideograph-numeric ideograph-other'>Total bank and other loans</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 152,140,679 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 131,005,614 </p> </td> </tr> <tr style='height:4.5pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Less current installments</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 101,177,574 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; 119,734,751 </p> </td> </tr> <tr style='height:15.75pt'> <td width="75%" valign="bottom" style='width:75.5%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Bank and other loans, excluding current installments</p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;background:white;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 50,963,105 </p> </td> <td width="2%" valign="bottom" style='width:2.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;background:white;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 11,270,863 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="35%" style='width:35.18%;margin-left:92.25pt;border-collapse:collapse'> <tr style='height:15.5pt'> <td width="45%" valign="bottom" style='width:45.16%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>2017</p> </td> <td width="54%" valign="bottom" style='width:54.84%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 101,177,574 </p> </td> </tr> <tr style='height:15.5pt'> <td width="45%" valign="bottom" style='width:45.16%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>2018</p> </td> <td width="54%" valign="bottom" style='width:54.84%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,539,638 </p> </td> </tr> <tr style='height:15.5pt'> <td width="45%" valign="bottom" style='width:45.16%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>2019</p> </td> <td width="54%" valign="bottom" style='width:54.84%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 36,128,905 </p> </td> </tr> <tr style='height:15.5pt'> <td width="45%" valign="bottom" style='width:45.16%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>2020</p> </td> <td width="54%" valign="bottom" style='width:54.84%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,066,254 </p> </td> </tr> <tr style='height:15.5pt'> <td width="45%" valign="bottom" style='width:45.16%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>2021</p> </td> <td width="54%" valign="bottom" style='width:54.84%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,436,591 </p> </td> </tr> <tr style='height:15.5pt'> <td width="45%" valign="bottom" style='width:45.16%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Thereafter</p> </td> <td width="54%" valign="bottom" style='width:54.84%;padding:0in 5.4pt 0in 5.4pt;height:15.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,791,717 </p> </td> </tr> <tr style='height:16.25pt'> <td width="45%" valign="bottom" style='width:45.16%;padding:0in 5.4pt 0in 5.4pt;height:16.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="54%" valign="bottom" style='width:54.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:16.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 152,140,679 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:13.5pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="37%" colspan="3" valign="bottom" style='width:37.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Trust investments, at market value</p> </td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 4,131,885 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,848,759 </p> </td> </tr> <tr style='height:15.0pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Note receivables from Cottonwood Mortuary</p> </td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:11.0pt;text-autospace:ideograph-numeric ideograph-other'>Singing Hills Cemetery and Memorial Estates</p> </td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>eliminated in consolidation</p> </td> <td width="17%" valign="bottom" style='width:17.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,725,714 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,780,618 </p> </td> </tr> <tr style='height:15.0pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total trust assets</p> </td> <td width="17%" valign="bottom" style='width:17.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,857,599 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,629,377 </p> </td> </tr> <tr style='height:15.0pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cemetery perpetual care obligation</p> </td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (3,598,580)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (3,465,771)</p> </td> </tr> <tr style='height:15.75pt'> <td width="62%" valign="bottom" style='width:62.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fair value of trust assets in excess of trust obligations</p> </td> <td width="17%" valign="bottom" style='width:17.64%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 2,259,019 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="17%" valign="bottom" style='width:17.64%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 1,163,606 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.0pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'></td> <td width="38%" colspan="3" valign="bottom" style='width:38.16%;padding:0in 5.4pt 0in 5.4pt;height:12.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cash and cash equivalents</p> </td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 8,070,972 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 7,206,863 </p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mutual funds</p> </td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 645,241 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 596,994 </p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities</p> </td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,775 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,775 </p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Equity securities</p> </td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 91,362 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 89,450 </p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Participating in mortgage loans with Security National Life</p> </td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,575,044 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,457,720 </p> </td> </tr> <tr style='height:15.75pt'> <td width="61%" valign="bottom" style='width:61.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="17%" valign="bottom" style='width:17.78%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 10,391,394 </p> </td> <td width="2%" valign="bottom" style='width:2.58%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="17%" valign="bottom" style='width:17.78%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 9,359,802 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="64%" valign="bottom" style='width:64.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="35%" colspan="3" valign="bottom" style='width:35.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="bottom" style='width:64.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="bottom" style='width:64.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Current</p> </td> <td width="16%" valign="bottom" style='width:16.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ (1,511,762)</p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; (215,366)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="bottom" style='width:64.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Deferred</p> </td> <td width="16%" valign="bottom" style='width:16.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 25,830,631 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 20,628,255 </p> </td> </tr> <tr style='height:15.75pt'> <td width="64%" valign="bottom" style='width:64.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="16%" valign="bottom" style='width:16.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 24,318,869 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.34%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 20,412,889 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="64%" valign="bottom" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="35%" colspan="3" valign="bottom" style='width:35.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="top" style='width:16.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="top" style='width:16.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets</p> </td> <td width="16%" valign="top" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="top" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future policy benefits</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ (9,719,058)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ (7,551,336)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Loan loss reserve</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (288,590)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (1,163,700)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unearned premium</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (1,519,722)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (1,610,684)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Available for sale securities</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (51,266)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (150,984)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net operating loss</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (1,531,160)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;(588,537)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Deferred compensation</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (2,225,208)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (1,994,927)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Deposit obligations</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (1,033,580)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (1,026,984)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (3,384,144)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (3,694,959)</p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Less: Valuation allowance</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 431,802 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total deferred tax assets</p> </td> <td width="16%" valign="bottom" style='width:16.62%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; (19,320,926)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; (17,782,111)</p> </td> </tr> <tr style='height:5.25pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Liabilities</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Deferred policy acquisition costs</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 18,150,517 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 14,838,604 </p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Basis difference in property and equipment</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 10,749,036 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 9,375,146 </p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Value of business acquired</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,573,902 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 2,972,883 </p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Deferred gains</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 9,290,123 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 6,902,888 </p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Trusts</p> </td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,599,657 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 1,599,657 </p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Tax on unrealized appreciation</p> </td> <td width="16%" valign="bottom" style='width:16.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,788,322 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 2,721,188 </p> </td> </tr> <tr style='height:15.0pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total deferred tax liabilities</p> </td> <td width="16%" valign="bottom" style='width:16.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 45,151,557 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.22%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 38,410,366 </p> </td> </tr> <tr style='height:15.75pt'> <td width="64%" valign="top" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net deferred tax liability</p> </td> <td width="16%" valign="bottom" style='width:16.62%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 25,830,631 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.22%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 20,628,255 </p> </td> </tr> <tr style='height:5.25pt'> <td width="64%" valign="bottom" style='width:64.5%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="16%" valign="bottom" style='width:16.62%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="16%" valign="bottom" style='width:16.22%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Current</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160; Federal</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 1,138,196 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 2,423,846 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 1,532,539 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160; State</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 245,764 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 412,175 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 121,124 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,383,960 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 2,836,021 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,653,663 </p> </td> </tr> <tr style='height:5.45pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:5.45pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Deferred</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160; Federal</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 5,686,651 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 4,413,336 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,406,545 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160; State</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 443,993 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 412,674 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 449,911 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 6,130,644 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 4,826,010 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,856,456 </p> </td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160; </p> </td> <td width="15%" valign="bottom" style='width:15.3%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 7,514,604 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; </p> </td> <td width="15%" valign="bottom" style='width:15.3%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 7,662,031 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; </p> </td> <td width="15%" valign="bottom" style='width:15.3%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 5,510,119 </p> </td> </tr> <tr style='height:4.5pt'> <td width="45%" valign="bottom" style='width:45.46%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="15%" valign="bottom" style='width:15.3%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Computed expense at statutory rate</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 6,699,099 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160; 7,144,580 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160; 4,667,165 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>State tax expense, net of federal tax benefit</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 455,240 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 544,400 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 376,883 </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Change in valuation allowance</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 431,802 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="42%" valign="bottom" style='width:42.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other, net</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (71,537)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (26,949)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 466,071 </p> </td> </tr> <tr style='height:15.75pt'> <td width="42%" valign="bottom" style='width:42.76%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Tax expense</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.94%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160; 7,514,604 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.94%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160; 7,662,031 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.94%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160; 5,510,119 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="55%" style='width:55.04%;border-collapse:collapse'> <tr style='height:5.85pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:5.85pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years Ending</p> </td> <td width="53%" valign="bottom" style='width:53.0%;padding:0in 5.4pt 0in 5.4pt;height:5.85pt'></td> </tr> <tr style='height:12.6pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:12.6pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><u>December 31</u></p> </td> <td width="53%" valign="bottom" style='width:53.0%;padding:0in 5.4pt 0in 5.4pt;height:12.6pt'></td> </tr> <tr style='height:13.5pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2017</p> </td> <td width="53%" valign="bottom" style='width:53.0%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; 6,556,093 </p> </td> </tr> <tr style='height:9.0pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2018</p> </td> <td width="53%" valign="bottom" style='width:53.0%;padding:0in 5.4pt 0in 5.4pt;height:9.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,121,399 </p> </td> </tr> <tr style='height:11.25pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2019</p> </td> <td width="53%" valign="bottom" style='width:53.0%;padding:0in 5.4pt 0in 5.4pt;height:11.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,583,941 </p> </td> </tr> <tr style='height:8.1pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:8.1pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2020</p> </td> <td width="53%" valign="bottom" style='width:53.0%;padding:0in 5.4pt 0in 5.4pt;height:8.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160; 1,151,873 </p> </td> </tr> <tr style='height:4.0pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2021</p> </td> <td width="53%" valign="bottom" style='width:53.0%;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 496,713 </p> </td> </tr> <tr style='height:30.25pt'> <td width="47%" valign="bottom" style='width:47.0%;padding:0in 5.4pt 0in 5.4pt;height:30.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="53%" valign="bottom" style='width:53.0%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:30.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 14,910,019 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="top" style='width:15.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Class A</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="top" style='width:16.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Class C&nbsp;(1)&nbsp;&nbsp;&nbsp;</p> </td> </tr> <tr style='height:13.5pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at December 31, 2013</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.92%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 11,807,287 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.8%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,330,191 </p> </td> </tr> <tr style='height:6.0pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Exercise of stock options</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 54,412 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Stock dividends</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 595,020 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;66,384 </p> </td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:10.0pt;text-autospace:ideograph-numeric ideograph-other'>Reverse stock split true up</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 15 </p> </td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Conversion of Class C to Class A</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,521 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;(2,521)</p> </td> </tr> <tr style='height:6.0pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:13.5pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at December 31, 2014</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 12,459,240 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.8%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,394,069 </p> </td> </tr> <tr style='height:6.0pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Exercise of stock options</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 23,961 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 241,652 </p> </td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Stock dividends</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 624,483 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 75,335 </p> </td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Conversion of Class C to Class A</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,416 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,416)</p> </td> </tr> <tr style='height:6.0pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:13.5pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at December 31, 2015</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 13,109,100 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.8%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,709,640 </p> </td> </tr> <tr style='height:6.75pt'> <td width="53%" valign="bottom" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Exercise of stock options</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 42,634 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;104,975 </p> </td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Stock dividends</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 657,919 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 96,967 </p> </td> </tr> <tr style='height:12.75pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Conversion of Class C to Class A</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,353 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (9,353)</p> </td> </tr> <tr style='height:6.0pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:13.5pt'> <td width="53%" valign="top" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at December 31, 2016</p> </td> <td width="6%" valign="top" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="15%" valign="bottom" style='width:15.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 13,819,006 </p> </td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="16%" valign="bottom" style='width:16.8%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 1,902,229 </p> </td> </tr> <tr style='height:6.75pt'> <td width="53%" valign="bottom" style='width:53.46%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="15%" valign="bottom" style='width:15.92%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="6%" valign="bottom" style='width:6.92%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="16%" valign="bottom" style='width:16.8%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;line-height:4.0pt'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'><font style='letter-spacing:-.1pt'>(1) Class C shares have been retroactively adjusted for the effect of the 1-for-10 reverse stock split that was approved by the stockholders in 2014.</font></p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Numerator:</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 12,188,627 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 13,351,441 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.5%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160; 8,216,832 </p> </td> </tr> <tr style='height:4.9pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Denominator:</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:11.0pt;text-autospace:ideograph-numeric ideograph-other'>Denominator for basic earnings</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>per share-weighted-average shares</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 14,806,290 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 14,439,274 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 13,893,260 </p> </td> </tr> <tr style='height:4.15pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:11.0pt;text-autospace:ideograph-numeric ideograph-other'>Effect of dilutive securities</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Employee stock options</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 320,914 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 512,559 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 451,215 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Dilutive potential common shares</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;320,914 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 512,559 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 451,215 </p> </td> </tr> <tr style='height:4.9pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:4.9pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:11.0pt;text-autospace:ideograph-numeric ideograph-other'>Denominator for diluted earnings</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:22.0pt;text-autospace:ideograph-numeric ideograph-other'>per share-adjusted weighted-average</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>shares and assumed conversions</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 15,127,204 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 14,951,833 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.5%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 14,344,475 </p> </td> </tr> <tr style='height:.05in'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="15%" valign="bottom" style='width:15.84%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> <td width="14%" valign="bottom" style='width:14.5%;padding:0in 5.4pt 0in 5.4pt;height:.05in'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Basic earnings per share</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </p> </td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.82 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </p> </td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.92 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </p> </td> <td width="14%" valign="bottom" style='width:14.5%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.59 </p> </td> </tr> <tr style='height:16.5pt'> <td width="45%" valign="bottom" style='width:45.1%;padding:0in 5.4pt 0in 5.4pt;height:16.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Diluted earnings per share</p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:16.5pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:16.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.81 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:16.5pt'></td> <td width="15%" valign="bottom" style='width:15.84%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:16.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.89 </p> </td> <td width="2%" valign="bottom" style='width:2.9%;padding:0in 5.4pt 0in 5.4pt;height:16.5pt'></td> <td width="14%" valign="bottom" style='width:14.5%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:16.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$0.57 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="59%" colspan="3" valign="bottom" style='width:59.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Activity of the stock option plans is summarized as follows:</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:51.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Number of Class A Shares</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Weighted Average Exercise Price</p> </td> <td width="2%" valign="bottom" style='width:2.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Number of Class C Shares</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Weighted Average Exercise Price</p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at December 31, 2013</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 405,133 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; &#160;2.41 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 508,657 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160; &#160;2.00 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Adjustment for the effect of stock dividends</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 24,446 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 32,934 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Granted</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 173,500 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 150,000 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Exercised</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (59,713)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Cancelled</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (30,571)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at December 31, 2014</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 512,795 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 3.20 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 691,591 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 2.54 </p> </td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Adjustment for the effect of stock dividends</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 29,335 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 27,497 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Granted</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 133,500 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 100,000 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Exercised</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (26,850)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (241,652)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Cancelled</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (30,519)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at December 31, 2015</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 618,261 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 3.89 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 577,436 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 3.54 </p> </td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Adjustment for the effect of stock dividends</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 35,346 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 26,491 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Granted</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 133,500 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 80,000 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Exercised</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; (42,634)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (127,629)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Cancelled</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,500)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Outstanding at December 31, 2016</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 741,973 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 4.33 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 556,298 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 4.52 </p> </td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Exercisable at end of year</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 601,731 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 3.78 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 472,298 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 4.02 </p> </td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Available options for future grant</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 253,432 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Weighted average contractual term of options</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:11.0pt;text-autospace:ideograph-numeric ideograph-other'>outstanding at December 31, 2016</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>7.37 years</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>2.67 years</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Weighted average contractual term of options</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:11.0pt;text-autospace:ideograph-numeric ideograph-other'>exercisable at December 31, 2016</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>6.77 years</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>2.27 years</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="47%" colspan="2" valign="bottom" style='width:47.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Aggregated intrinsic value of options outstanding</p> </td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>at December 31, 2016 (1)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,452,902 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,079,136 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:3.0pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="47%" colspan="2" valign="bottom" style='width:47.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Aggregated intrinsic value of options exercisable</p> </td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.75pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>at December 31, 2016 (1)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,452,574 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.6%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$1,079,136 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:13.5pt'> <td width="45%" valign="bottom" style='width:45.12%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="12%" valign="bottom" style='width:12.6%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="10%" valign="bottom" style='width:10.16%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="100%" colspan="9" valign="bottom" style='width:100.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>(1) The Company used a stock price of $6.19 as of December 31, 2016 to derive intrinsic value.</p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="38%" colspan="5" valign="bottom" style='width:38.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Net Income</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="26%" colspan="3" valign="bottom" style='width:26.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Capital and Surplus</p> </td> </tr> <tr style='height:15.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amounts by insurance subsidiary:</p> </td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:30.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Security National Life Insurance Company</p> </td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 2,601,408 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 3,478,338 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 5,137,208 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 36,789,358 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 32,771,066 </p> </td> </tr> <tr style='height:5.25pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:30.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>First Guaranty Insurance Company</p> </td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 174,562 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 4,091,847 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:5.25pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:30.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Memorial Insurance Company of America</p> </td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 460 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 49 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 415 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 1,081,319 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 1,082,059 </p> </td> </tr> <tr style='height:5.25pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:30.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Southern Security Life Insurance Company, Inc.</p> </td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 889 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 491 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 467 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 1,592,440 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 1,590,605 </p> </td> </tr> <tr style='height:4.5pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:30.0pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Trans-Western Life Insurance Company</p> </td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,203 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (52)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;1,304 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 500,333 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 499,130 </p> </td> </tr> <tr style='height:4.5pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.44%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="12%" valign="bottom" style='width:12.28%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:15.75pt'> <td width="32%" valign="bottom" style='width:32.4%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="11%" valign="bottom" style='width:11.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 2,778,522 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 3,478,826 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 5,139,394 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.28%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 44,055,297 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.28%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 35,942,860 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="24%" valign="top" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="75%" colspan="9" valign="top" style='width:75.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016 (As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="top" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Life</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="13%" valign="top" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Cemetery/</p> </td> <td width="15%" colspan="2" valign="bottom" style='width:15.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="13%" valign="top" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Intercompany</p> </td> <td width="15%" colspan="2" valign="bottom" style='width:15.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="top" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Insurance</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortuary</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortgage</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Eliminations</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Consolidated</p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenues:</p> </td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>From external sources:</p> </td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenue from customers</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 66,902,126 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 12,267,640 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 181,141,687 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 260,311,453 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net investment income</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,618,485 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 312,494 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,651,465 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 37,582,444 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Realized gains (losses) on</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>investments and other assets</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (277,040)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 211,429 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (110,776)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (176,387)</p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other than temporary impairments</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (270,358)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (270,358)</p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other revenues</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 632,260 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;88,676 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,166,813 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,887,749 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Intersegment revenues:</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net investment income</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,119,692 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 691,876 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 327,778 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,139,346)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total revenues</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 102,725,165 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,572,115 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 196,176,967 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,139,346)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 304,334,901 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Expenses:</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Death and other policy benefits</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,387,380 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,387,380 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Increase in future policy benefits</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 21,322,195 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 21,322,195 </p> </td> </tr> <tr style='height:38.25pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amortization of deferred policy and preneed acquisition costs and </p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:38.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>value of business acquired</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,647,097 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 356,078 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,003,175 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Depreciation</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 596,827 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 390,362 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,195,535 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,182,724 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>General, administrative and</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>other costs: </p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Intersegment</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 148,025 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 219,974 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (367,999)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Provision for loan losses</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,700,000 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,700,000 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Costs related to funding mortgage</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>&#160; loans</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,191,488 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,191,488 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 29,478,156 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,524,535 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 163,730,148 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 203,732,840 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Interest expense:</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Intersegment</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 781,078 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 651,046 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,339,224 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (7,771,348)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,654,264 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 282,878 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,174,726 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,111,868 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total benefits and expenses</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 94,866,997 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,352,924 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 185,551,095 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,139,346)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 284,631,670 </p> </td> </tr> <tr style='height:25.5pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Earnings before income taxes</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,858,168 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,219,191 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 10,625,872 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 19,703,231 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Income tax expense</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,451,292)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (4,063,312)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (7,514,604)</p> </td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,406,876 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$ &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,219,191 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,562,560 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 12,188,627 </p> </td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Identifiable assets</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 821,097,220 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; &#160;&#160;99,611,263 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 171,844,559 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; (140,874,459)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 951,678,583 </p> </td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Goodwill</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Expenditures for long-lived assets</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 532,958 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 723,445 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$ &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,310,108 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,566,511 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="24%" valign="top" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="75%" colspan="9" valign="top" style='width:75.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015 (As Restated)</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="top" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Life</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="13%" valign="top" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Cemetery/</p> </td> <td width="15%" colspan="2" valign="bottom" style='width:15.34%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="13%" valign="top" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Intercompany</p> </td> <td width="15%" colspan="2" valign="bottom" style='width:15.34%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="top" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Insurance</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortuary</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortgage</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Eliminations</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Consolidated</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenues:</p> </td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>From external sources:</p> </td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenue from customers</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 58,883,721 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 11,502,045 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 169,043,426 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 239,429,192 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net investment income</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 25,297,486 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 450,854 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,259,564 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,007,904 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Realized gains (losses) on</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>investments and other assets</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,332,456 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 387,316 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (318,413)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,401,359 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other than temporary impairments</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (413,714)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;(191,716)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (605,430)</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other revenues</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 824,759 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 146,831 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,150,217 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,121,807 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Intersegment revenues:</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net investment income</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,615,338 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,155,180 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 326,822 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (9,097,340)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total revenues</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 94,540,046 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,642,226 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 181,269,900 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (9,097,340)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 280,354,832 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Expenses:</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Death and other policy benefits</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,549,893 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,549,893 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Increase in future policy benefits</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,057,764 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,057,764 </p> </td> </tr> <tr style='height:26.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amortization of deferred policy and preneed acquisition costs and </p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>value of business acquired</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,306,781 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 334,512 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,641,293 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Depreciation</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 710,733 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 403,066 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,069,697 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,183,496 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>General, administrative and</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>other costs: </p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Intersegment</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 156,777 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 199,244 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (356,021)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Provision for loan losses</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,449,103 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,449,103 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Costs related to funding mortgage</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>&#160; loans</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,901,511 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,901,511 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,416,860 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;10,117,012 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 146,565,817 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 184,099,688 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Interest expense:</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Intersegment</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 726,919 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,379,668 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,634,731 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,741,318)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,151,860 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 337,632 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;2,969,120 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,458,612 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total benefits and expenses</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 85,920,810 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,728,667 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 169,789,223 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (9,097,340)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 259,341,360 </p> </td> </tr> <tr style='height:26.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Earnings before income taxes</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,619,236 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;913,559 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 11,480,677 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 21,013,472 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Income tax expense</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,191,370)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (4,470,661)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (7,662,031)</p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,427,866 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 913,559 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,010,016 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 13,351,441 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Identifiable assets</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 721,362,741 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 101,935,898 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 157,283,191 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; (140,108,664)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 840,473,166 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Goodwill</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Expenditures for long-lived assets</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,024,223 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.06%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 154,226 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 454,241 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.96%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,632,690 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="24%" valign="top" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="75%" colspan="9" valign="top" style='width:75.46%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014 (As Restated)</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="top" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Life</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="13%" valign="top" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Cemetery/</p> </td> <td width="15%" colspan="2" valign="bottom" style='width:15.4%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="14%" valign="top" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Intercompany</p> </td> <td width="15%" colspan="2" valign="bottom" style='width:15.36%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="top" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Insurance</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.12%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortuary</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Mortgage</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="top" style='width:14.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Eliminations</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Consolidated</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenues:</p> </td> <td width="13%" valign="top" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="top" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>From external sources:</p> </td> <td width="13%" valign="top" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="top" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="top" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Revenue from customers</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 57,037,623 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 11,426,308 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 122,778,529 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 191,242,460 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net investment income</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 23,008,489 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 275,324 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,019,927 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 28,303,740 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Realized gains (losses) on</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>investments and other assets</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,208,391 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 585,543 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 124,242 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,918,176 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other than temporary impairments</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (164,240)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (164,240)</p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other revenues</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 682,682 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 169,464 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,894,867 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,747,013 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Intersegment revenues:</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net investment income</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,128,389 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,288,856 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 642,880 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,060,125)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total revenues</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 87,901,334 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,745,495 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 131,460,445 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,060,125)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 225,047,149 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Expenses:</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Death and other policy benefits</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;29,789,964 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 29,789,964 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Increase in future policy benefits</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,905,914 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,905,914 </p> </td> </tr> <tr style='height:26.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amortization of deferred policy and preneed acquisition costs and </p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>value of business acquired</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,561,589 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 331,389 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,892,978 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Depreciation</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 644,510 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 436,390 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,096,265 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,177,165 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>General, administrative and</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>other costs: </p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Intersegment</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 24,000 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 166,079 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 208,513 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (398,592)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Provision for loan losses</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,000,000 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,000,000 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Costs related to funding mortgage</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>&#160; loans</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,451,319 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,451,319 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 23,045,928 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,245,144 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 110,817,359 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 144,108,429 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Interest expense:</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Intersegment</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 725,354 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,481,317 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,454,860 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (7,661,531)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Other</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 578,083 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 421,920 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,994,426 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,994,429 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total benefits and expenses</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 79,275,342 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,082,239 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 127,022,742 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,060,125)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 211,320,198 </p> </td> </tr> <tr style='height:26.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Earnings before income taxes</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,625,992 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 663,256 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,437,703 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:26.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 13,726,951 </p> </td> </tr> <tr style='height:14.45pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Income tax expense</p> </td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;(3,796,327)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,713,792)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (5,510,119)</p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,829,665 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.12%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 663,256 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,723,911 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.2%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,216,832 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Identifiable assets</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 652,348,803 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.12%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 109,114,226 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; &#160;&#160;130,972,484 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; (142,742,671)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.2%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 749,692,842 </p> </td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Goodwill</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.12%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.2%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,765,570 </p> </td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.12%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.24%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.02%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.2%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> </tr> <tr style='height:15.75pt'> <td width="24%" valign="bottom" style='width:24.54%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Expenditures for long-lived assets</p> </td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 660,830 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.12%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 121,677 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.24%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 737,936 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.02%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.2%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,520,443 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:33.75pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="14%" valign="bottom" style='width:14.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Quoted Prices in Active Markets for Identical Assets (Level 1)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Observable Inputs (Level 2)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="14%" valign="bottom" style='width:14.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:33.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Unobservable Inputs (Level 3)</p> </td> </tr> <tr style='height:27.0pt'> <td width="37%" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets accounted for at fair value on a &#160;&#160; recurring basis</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Common stock</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total securities available for sale</p> </td> <td width="14%" valign="bottom" style='width:14.8%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,573,356 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Restricted assets of cemeteries and mortuaries</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 736,603 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 736,603 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cemetery perpetual care trust investments</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 698,202 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 698,202 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives - loan commitments</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,911,544 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,911,544 </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other investments</p> </td> <td width="14%" valign="bottom" style='width:14.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,765,752 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,765,752 </p> </td> </tr> <tr style='height:3.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:32.1pt'> <td width="37%" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total assets accounted for at fair value on a &#160;&#160; recurring basis</p> </td> <td width="14%" valign="bottom" style='width:14.8%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 20,685,457 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,008,161 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="10%" valign="bottom" style='width:10.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="14%" valign="bottom" style='width:14.3%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,677,296 </p> </td> </tr> <tr style='height:3.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:30.0pt'> <td width="37%" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Liabilities accounted for at fair value on a &#160;&#160; recurring basis</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policyholder account balances</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (49,421,125)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; (49,421,125)</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future policy benefits - annuities</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (99,388,662)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (99,388,662)</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives&#160; - bank loan interest rate swaps</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,308)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,308)</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:38.25pt;text-autospace:ideograph-numeric ideograph-other'> - call options</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (109,474)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (109,474)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:38.25pt;text-autospace:ideograph-numeric ideograph-other'> - put options</p> </td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (26,494)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (26,494)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:48.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;- loan commitments</p> </td> <td width="14%" valign="bottom" style='width:14.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (102,212)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (102,212)</p> </td> </tr> <tr style='height:3.0pt'> <td width="37%" valign="bottom" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.8%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.32%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="10%" valign="bottom" style='width:10.88%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.3%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:32.1pt'> <td width="37%" style='width:37.9%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total liabilities accounted for at fair value &#160;&#160; on a recurring basis </p> </td> <td width="14%" valign="bottom" style='width:14.8%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; (149,051,275)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="14%" valign="bottom" style='width:14.32%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (135,968)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="10%" valign="bottom" style='width:10.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="14%" valign="bottom" style='width:14.3%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160; (148,915,307)</p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Policyholder Account Balances </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Future Policy Benefits - Annuities </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Loan Commitments </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Bank Loan Interest Rate Swaps </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="12%" valign="bottom" style='width:12.76%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Other Investments </p> </td> </tr> <tr style='height:6.75pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:6.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance - December 31, 2015, as restated</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; (50,694,953)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (69,398,617)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,671,495 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (13,947)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,174,769 </p> </td> </tr> <tr style='height:2.25pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> </tr> <tr style='height:14.25pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Purchases</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (30,294,480)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:14.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;600,000 </p> </td> </tr> <tr style='height:2.25pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:2.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total Losses (Gains):</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.75pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:3.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Included in earnings</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;1,273,828 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 304,435 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (862,163)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:3.0pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Included in other</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>comprehensive income (loss)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.4%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,639 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.76%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (9,017)</p> </td> </tr> <tr style='height:5.25pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="13%" valign="bottom" style='width:13.44%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.4%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="12%" valign="bottom" style='width:12.76%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:15.75pt'> <td width="25%" valign="bottom" style='width:25.18%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance - December 31, 2016, as restated</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.4%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; (49,421,125)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.44%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (99,388,662)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,809,332 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.4%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,308)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="12%" valign="bottom" style='width:12.76%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,765,752 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='border-collapse:collapse'> <tr style='height:34.65pt'> <td width="49%" valign="bottom" style='width:49.86%;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="8%" valign="bottom" style='width:8.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Quoted Prices in Active Markets for Identical Assets (Level 1)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Observable Inputs (Level 2)</p> </td> <td width="2%" valign="bottom" style='width:2.6%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.65pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Unobservable Inputs (Level 3)</p> </td> </tr> <tr style='height:27.75pt'> <td width="49%" valign="bottom" style='width:49.86%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets accounted for at fair value on a &#160;&#160; nonrecurring basis</p> </td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'></td> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'></td> <td width="12%" valign="bottom" style='width:12.78%;padding:0in 5.4pt 0in 5.4pt;height:27.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate</p> </td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,809,925 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,809,925 </p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights</p> </td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,603,154 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,603,154 </p> </td> </tr> <tr style='height:15.0pt'> <td width="49%" valign="bottom" style='width:49.86%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Real estate held for investment</p> </td> <td width="13%" valign="bottom" style='width:13.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,347,820 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="7%" valign="bottom" style='width:7.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="12%" valign="bottom" style='width:12.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,347,820 </p> </td> </tr> <tr style='height:6.0pt'> <td width="49%" valign="bottom" style='width:49.86%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.04%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="8%" valign="bottom" style='width:8.68%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="7%" valign="bottom" style='width:7.82%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="12%" valign="bottom" style='width:12.78%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:26.25pt'> <td width="49%" style='width:49.86%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total assets accounted for at fair value on &#160;&#160; a nonrecurring basis</p> </td> <td width="13%" valign="bottom" style='width:13.04%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 13,760,899 </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.68%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="7%" valign="bottom" style='width:7.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.6%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="12%" valign="bottom" style='width:12.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 13,760,899 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:.55in'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.46%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Quoted Prices in Active Markets for Identical Assets (Level 1)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Observable Inputs (Level 2)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.55in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Unobservable Inputs (Level 3)</p> </td> </tr> <tr style='height:32.25pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets accounted for at fair value on a &#160;&#160; recurring basis</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:32.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Non-redeemable preferred stock</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Common stock</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,431,090 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,431,090 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total securities available for sale</p> </td> <td width="14%" valign="bottom" style='width:14.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,431,090 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,431,090 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Restricted assets of cemeteries and mortuaries</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 686,444 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 686,444 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cemetery perpetual care trust investments</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 630,854 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 630,854 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives - loan commitments</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,779,162 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,779,162 </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other investments</p> </td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,174,769 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,174,769 </p> </td> </tr> <tr style='height:32.1pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total assets accounted for at fair value on a &#160;&#160; recurring basis</p> </td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 18,702,319 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="13%" valign="bottom" style='width:13.46%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 9,748,388 </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="10%" valign="bottom" style='width:10.98%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'></td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:32.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 8,953,931 </p> </td> </tr> <tr style='height:6.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:30.75pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Liabilities accounted for at fair value on a &#160;&#160; recurring basis</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policyholder account balances</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (50,694,953)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (50,694,953)</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future policy benefits - annuities</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (69,398,617)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (69,398,617)</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives&#160; - bank loan interest rate swaps</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (13,947)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (13,947)</p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'> - call options</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (16,342)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (16,342)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;- put options</p> </td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (28,829)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (28,829)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;- </p> </td> </tr> <tr style='height:15.0pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:16.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;- loan commitments</p> </td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (107,667)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.46%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="10%" valign="bottom" style='width:10.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (107,667)</p> </td> </tr> <tr style='height:31.5pt'> <td width="37%" valign="bottom" style='width:37.84%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total liabilities accounted for at fair value &#160;&#160; on a recurring basis </p> </td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; (120,260,355)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="13%" valign="bottom" style='width:13.46%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (45,171)</p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="10%" valign="bottom" style='width:10.98%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.62%;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'></td> <td width="14%" valign="bottom" style='width:14.92%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:31.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; (120,215,184)</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:5.0pt'>&nbsp;</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:39.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Policyholder Account Balances </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Future Policy Benefits - Annuities </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&#160;Loan Commitments </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Bank Loan Interest Rate Swaps </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:39.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Other Investments </p> </td> </tr> <tr style='height:7.5pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:7.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance - December 31, 2014, as restated</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (45,310,699)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (65,540,985)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,105,605 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (31,370)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:6.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Purchases</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,200,000 </p> </td> </tr> <tr style='height:6.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:6.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total Losses (Gains):</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:4.5pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:4.5pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Included in earnings</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (5,384,254)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,857,632)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,565,890 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:5.25pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:5.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Included in other</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>comprehensive income (loss)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,423 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (25,231)</p> </td> </tr> <tr style='height:4.15pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="14%" valign="bottom" style='width:14.74%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="11%" valign="bottom" style='width:11.8%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> <td width="11%" valign="bottom" style='width:11.2%;padding:0in 5.4pt 0in 5.4pt;height:4.15pt'></td> </tr> <tr style='height:15.75pt'> <td width="25%" valign="bottom" style='width:25.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance - December 31, 2015, as restated</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.74%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (50,694,953)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.74%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (69,398,617)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.8%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,671,495 </p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.2%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (13,947)</p> </td> <td width="2%" valign="bottom" style='width:2.14%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="11%" valign="bottom" style='width:11.2%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 1,174,769 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;line-height:8.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:.45in'> <td width="38%" valign="bottom" style='width:38.66%;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="14%" valign="bottom" style='width:14.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Quoted Prices in Active Markets for Identical Assets (Level 1)</p> </td> <td width="2%" valign="bottom" style='width:2.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="11%" valign="bottom" style='width:11.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Observable Inputs (Level 2)</p> </td> <td width="2%" valign="bottom" style='width:2.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.45in'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Significant Unobservable Inputs (Level 3)</p> </td> </tr> <tr style='height:26.25pt'> <td width="38%" valign="bottom" style='width:38.66%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets accounted for at fair value on a &#160;&#160; nonrecurring basis</p> </td> <td width="12%" valign="bottom" style='width:12.5%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="11%" valign="bottom" style='width:11.78%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate</p> </td> <td width="12%" valign="bottom" style='width:12.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 2,874,468 </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 2,874,468 </p> </td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights</p> </td> <td width="12%" valign="bottom" style='width:12.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 6,217,551 </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,217,551 </p> </td> </tr> <tr style='height:15.0pt'> <td width="38%" valign="bottom" style='width:38.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Real estate held for investment</p> </td> <td width="12%" valign="bottom" style='width:12.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 95,000 </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="11%" valign="bottom" style='width:11.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 95,000 </p> </td> </tr> <tr style='height:27.0pt'> <td width="38%" valign="bottom" style='width:38.66%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total assets accounted for at fair value on &#160;&#160; a nonrecurring basis</p> </td> <td width="12%" valign="bottom" style='width:12.5%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 9,187,019 </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="14%" valign="bottom" style='width:14.82%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="11%" valign="bottom" style='width:11.78%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'></td> <td width="13%" valign="bottom" style='width:13.88%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:27.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 9,187,019 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:4.0pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Carrying Value</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Level 1</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Level 2</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Level 3</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:4.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Estimated Fair Value</p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities, held to maturity</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 184,979,644 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; 191,850,749 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 191,850,749 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans:</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 57,132,082 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 61,357,393 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 61,357,393 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential construction</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,700,003 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,700,003 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 40,700,003 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="13%" valign="bottom" style='width:13.82%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 51,349,493 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,299,800 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,299,800 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans, net</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 149,181,578 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 155,357,196 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 155,357,196 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Loans held for sale</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 189,139,832 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 192,289,854 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 192,289,854 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,694,148 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,694,148 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,694,148 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Insurance assignments, net</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,477,246 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,477,246 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 32,477,246 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Short-term investments</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,560,040 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>27,560,040 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 27,560,040 </p> </td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 18,872,362 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 25,496,832 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 25,496,832 </p> </td> </tr> <tr style='height:7.15pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Liabilities</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="28%" valign="bottom" style='width:28.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Bank and other loans payable</p> </td> <td width="13%" valign="bottom" style='width:13.82%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; (152,137,341)</p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.74%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.18%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; (152,137,341)</p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; (152,137,341)</p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of December 31, 2015, as restated:</p> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:9.9pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Carrying Value</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Level 1</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Level 2</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Level 3</p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:9.9pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Total Estimated Fair Value</p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Assets</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities, held to maturity</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 145,558,425 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160; 150,507,158 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 150,507,158 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans:</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 44,459,613 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 47,193,950 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 47,193,950 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Residential construction</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,751,443 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,751,443 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,751,443 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Commercial</p> </td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 33,335,849 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,778,136 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,778,136 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Loans held for sale</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 112,546,905 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 116,723,529 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 116,723,529 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans, net</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 211,453,006 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 217,646,189 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 217,646,189 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,896,457 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,896,457 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,896,457 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;Insurance assignments, net</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 31,511,195 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 31,511,195 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 31,511,195 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Short-term investments</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 16,915,808 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; -</p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160; 16,915,808</p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 16,915,808 </p> </td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 12,679,755 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,897,160 </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 13,897,160 </p> </td> </tr> <tr style='height:7.15pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:7.15pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Liabilities</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> </tr> <tr style='height:12.75pt'> <td width="27%" valign="bottom" style='width:27.94%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Bank and other loans payable</p> </td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; (130,991,667)</p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="10%" valign="bottom" style='width:10.66%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="12%" valign="bottom" style='width:12.2%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; (130,991,667)</p> </td> <td width="2%" valign="bottom" style='width:2.48%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="13%" valign="bottom" style='width:13.1%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160; (130,991,667)</p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&#160;</p> </td> <td width="35%" colspan="3" valign="bottom" style='width:35.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unrealized gains (losses) on available for-sale securities</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 996,343 </p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; (1,289,508)</p> </td> </tr> <tr style='height:26.25pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Reclassification adjustment for net realized gains in net &#160;&#160; income</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 160,575 </p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;113,751 </p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net unrealized gains (losses) before taxes</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,156,918 </p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; (1,175,757)</p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Tax (expense) benefit</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (399,228)</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 404,414 </p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Net</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 757,690 </p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (771,343)</p> </td> </tr> <tr style='height:30.75pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Potential unrealized gains for derivative bank loans &#160;&#160; (interest rate swaps) before taxes</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,639 </p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:30.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,423 </p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Tax expense</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (4,149)</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,795)</p> </td> </tr> <tr style='height:15.0pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Net</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,490 </p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,628 </p> </td> </tr> <tr style='height:15.75pt'> <td width="61%" valign="bottom" style='width:61.5%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Other comprehensive income (loss) changes</p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;764,180 </p> </td> <td width="2%" valign="bottom" style='width:2.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="16%" valign="bottom" style='width:16.42%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; (760,715)</p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:49.5pt'> <td width="47%" valign="top" style='width:47.84%;padding:0in 5.4pt 0in 5.4pt;height:49.5pt'></td> <td width="2%" valign="top" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:49.5pt'></td> <td width="14%" valign="bottom" style='width:14.78%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:49.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Beginning Balance December 31, 2015</p> </td> <td width="2%" valign="top" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:49.5pt'></td> <td width="14%" valign="bottom" style='width:14.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:49.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Change for the period</p> </td> <td width="2%" valign="top" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:49.5pt'></td> <td width="14%" valign="bottom" style='width:14.76%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:49.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Ending Balance December 31, 2016</p> </td> </tr> <tr style='height:25.5pt'> <td width="47%" valign="top" style='width:47.84%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unrealized net gains (losses) on available-for-sale &#160;&#160; securities and trust investments</p> </td> <td width="2%" valign="top" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.78%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; (490,850)</p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 757,690 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.76%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 266,840 </p> </td> </tr> <tr style='height:3.0pt'> <td width="47%" valign="top" style='width:47.84%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="top" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.78%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.56%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> <td width="14%" valign="bottom" style='width:14.76%;padding:0in 5.4pt 0in 5.4pt;height:3.0pt'></td> </tr> <tr style='height:25.5pt'> <td width="47%" valign="top" style='width:47.84%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unrealized gains (losses) on derivative &#160;&#160; bank loan interest rate swaps</p> </td> <td width="2%" valign="top" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.78%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,508)</p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,490 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.76%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,018)</p> </td> </tr> <tr style='height:15.75pt'> <td width="47%" valign="top" style='width:47.84%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other comprehensive income (loss)</p> </td> <td width="2%" valign="top" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.78%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; (499,358)</p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.56%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 764,180 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.76%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 264,822 </p> </td> </tr> </table> <!--egx--><p align="left" style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;text-align:left'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:56.45pt'> <td width="46%" valign="top" style='width:46.56%;padding:0in 5.4pt 0in 5.4pt;height:56.45pt'></td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:56.45pt'></td> <td width="15%" valign="bottom" style='width:15.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:56.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Beginning Balance December 31, 2014</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:56.45pt'></td> <td width="15%" valign="bottom" style='width:15.26%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:56.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Change for the period</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:56.45pt'></td> <td width="14%" valign="bottom" style='width:14.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:56.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Ending Balance December 31, 2015</p> </td> </tr> <tr style='height:28.15pt'> <td width="46%" valign="top" style='width:46.56%;padding:0in 5.4pt 0in 5.4pt;height:28.15pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unrealized net gains (losses) on available-for-sale &#160;&#160; securities and trust investments</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:28.15pt'></td> <td width="15%" valign="bottom" style='width:15.52%;padding:0in 5.4pt 0in 5.4pt;height:28.15pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 280,493 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:28.15pt'></td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt;height:28.15pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; (771,343)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:28.15pt'></td> <td width="14%" valign="bottom" style='width:14.66%;padding:0in 5.4pt 0in 5.4pt;height:28.15pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; (490,850)</p> </td> </tr> <tr style='height:1.9pt'> <td width="46%" valign="top" style='width:46.56%;padding:0in 5.4pt 0in 5.4pt;height:1.9pt'></td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:1.9pt'></td> <td width="15%" valign="bottom" style='width:15.52%;padding:0in 5.4pt 0in 5.4pt;height:1.9pt'></td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:1.9pt'></td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt;height:1.9pt'></td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:1.9pt'></td> <td width="14%" valign="bottom" style='width:14.66%;padding:0in 5.4pt 0in 5.4pt;height:1.9pt'></td> </tr> <tr style='height:25.5pt'> <td width="46%" valign="top" style='width:46.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unrealized gains (losses) on derivative &#160;&#160; bank loan interest rate swaps</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.52%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(19,136)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.26%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,628 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (8,508)</p> </td> </tr> <tr style='height:15.75pt'> <td width="46%" valign="top" style='width:46.56%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other comprehensive income (loss)</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.52%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 261,357 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.26%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; (760,715)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160; (499,358)</p> </td> </tr> </table> <p align="left" style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;margin-left:.5in;text-align:left;text-indent:-.5in;line-height:5.0pt'>&nbsp;</p> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt;line-height:5.0pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:51.75pt'> <td width="46%" valign="top" style='width:46.68%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="15%" valign="bottom" style='width:15.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Beginning Balance December 31, 2013</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="15%" valign="bottom" style='width:15.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Change for the period</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'></td> <td width="14%" valign="bottom" style='width:14.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:51.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Ending Balance December 31, 2014</p> </td> </tr> <tr style='height:30.0pt'> <td width="46%" valign="top" style='width:46.68%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unrealized net gains (losses) on available-for-sale &#160;&#160; securities and trust investments</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.54%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 346,341 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.14%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (65,848)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="14%" valign="bottom" style='width:14.66%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 280,493 </p> </td> </tr> <tr style='height:2.45pt'> <td width="46%" valign="top" style='width:46.68%;padding:0in 5.4pt 0in 5.4pt;height:2.45pt'></td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:2.45pt'></td> <td width="15%" valign="bottom" style='width:15.54%;padding:0in 5.4pt 0in 5.4pt;height:2.45pt'></td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:2.45pt'></td> <td width="15%" valign="bottom" style='width:15.14%;padding:0in 5.4pt 0in 5.4pt;height:2.45pt'></td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:2.45pt'></td> <td width="14%" valign="bottom" style='width:14.66%;padding:0in 5.4pt 0in 5.4pt;height:2.45pt'></td> </tr> <tr style='height:25.5pt'> <td width="46%" valign="top" style='width:46.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Unrealized gains (losses) on derivative &#160;&#160; bank loan interest rate swaps</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.54%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (35,569)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="15%" valign="bottom" style='width:15.14%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 16,433 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="14%" valign="bottom" style='width:14.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (19,136)</p> </td> </tr> <tr style='height:15.75pt'> <td width="46%" valign="top" style='width:46.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other comprehensive income (loss)</p> </td> <td width="2%" valign="top" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.54%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 310,772 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="15%" valign="bottom" style='width:15.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (49,415)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="14%" valign="bottom" style='width:14.66%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160;&#160;&#160;&#160; 261,357 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="87%" colspan="15" valign="bottom" style='width:87.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value of Derivative Instruments</p> </td> </tr> <tr style='height:15.0pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="45%" colspan="8" valign="bottom" style='width:45.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Asset Derivatives</p> </td> <td width="42%" colspan="7" valign="bottom" style='width:42.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Liability Derivatives</p> </td> </tr> <tr style='height:14.45pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="21%" colspan="3" valign="bottom" style='width:21.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31, 2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.06%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31, 2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="19%" colspan="3" valign="bottom" style='width:19.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31, 2016</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="20%" colspan="3" valign="bottom" style='width:20.08%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31, 2015</p> </td> </tr> <tr style='height:34.5pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="8%" valign="bottom" style='width:8.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Balance Sheet Location</p> </td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="9%" valign="bottom" style='width:9.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'> Fair Value </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="8%" valign="bottom" style='width:8.52%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Balance Sheet Location</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="9%" valign="bottom" style='width:9.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="8%" valign="bottom" style='width:8.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Balance Sheet Location</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="8%" valign="bottom" style='width:8.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="8%" valign="bottom" style='width:8.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Balance Sheet Location</p> </td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'></td> <td width="8%" valign="bottom" style='width:8.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:34.5pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Fair Value</p> </td> </tr> <tr style='height:25.5pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Derivatives designated as hedging instruments:</p> </td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.52%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> </tr> <tr style='height:23.25pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Loan commitments</p> </td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>other assets</p> </td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $6,911,544 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.52%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>other assets</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 7,779,162 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $102,212 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $107,667 </p> </td> </tr> <tr style='height:23.25pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Call Options</p> </td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.52%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; 109,474 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 16,342 </p> </td> </tr> <tr style='height:23.25pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Put Options</p> </td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.52%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="9%" valign="bottom" style='width:9.2%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 26,494 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Other liabilities</p> </td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 28,829 </p> </td> </tr> <tr style='height:23.25pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>Interest rate swaps</p> </td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="2%" valign="bottom" style='width:2.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.98%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.52%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="9%" valign="bottom" style='width:9.2%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-indent:8.0pt;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Bank loans payable</p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160; 3,308 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Bank loans payable</p> </td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'></td> <td width="8%" valign="bottom" style='width:8.7%;padding:0in 5.4pt 0in 5.4pt;height:23.25pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; 13,947 </p> </td> </tr> <tr style='height:15.75pt'> <td width="12%" valign="bottom" style='width:12.02%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.72%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="9%" valign="bottom" style='width:9.98%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $6,911,544 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="8%" valign="bottom" style='width:8.52%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="9%" valign="bottom" style='width:9.2%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 7,779,162 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="8%" valign="bottom" style='width:8.7%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $241,488 </p> </td> <td width="2%" valign="bottom" style='width:2.36%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="8%" valign="bottom" style='width:8.66%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="2%" valign="bottom" style='width:2.72%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="8%" valign="bottom" style='width:8.7%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $166,785 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="47%" valign="bottom" style='width:47.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="49%" colspan="3" valign="bottom" style='width:49.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Net Amount Gain (Loss) Recognized in OCI</p> </td> </tr> <tr style='height:14.45pt'> <td width="47%" valign="bottom" style='width:47.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="49%" colspan="3" valign="bottom" style='width:49.88%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years ended December 31</p> </td> </tr> <tr style='height:14.45pt'> <td width="47%" valign="bottom" style='width:47.24%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'><u>Derivative - Cash Flow Hedging Relationships:</u></p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="23%" valign="bottom" style='width:23.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'></td> <td width="23%" valign="bottom" style='width:23.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:14.45pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="47%" valign="bottom" style='width:47.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Interest Rate Swaps</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,639 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,423 </p> </td> </tr> <tr style='height:15.0pt'> <td width="47%" valign="bottom" style='width:47.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Sub Total</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.5%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,639 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.5%;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 17,423 </p> </td> </tr> <tr style='height:15.0pt'> <td width="47%" valign="bottom" style='width:47.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:6.4pt;text-autospace:ideograph-numeric ideograph-other'>Tax Effect</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,149 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="23%" valign="bottom" style='width:23.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,795 </p> </td> </tr> <tr style='height:15.75pt'> <td width="47%" valign="bottom" style='width:47.24%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-indent:12.75pt;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="23%" valign="bottom" style='width:23.5%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,490 </p> </td> <td width="2%" valign="bottom" style='width:2.88%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'></td> <td width="23%" valign="bottom" style='width:23.5%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 10,628 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="67%" style='width:67.3%;border-collapse:collapse'> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fixed maturity securities, held to maturity</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160; 43,878,084 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Equity securities, available for sale</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 646,335 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage loans on real estate</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,528,582 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Real estate held for investment</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 528,947 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Policy loans</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 145,953 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Short-term investments</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; &#160;&#160;5,358,403 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Accrued investment income</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 585,985 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Cash and cash equivalents</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,424,480 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Receivables</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 73,347 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Property and equipment</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 21,083 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Deferred tax asset</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,190,862 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Receivable from reinsurers</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 34,948 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other </p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 57,768 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total assets acquired</p> </td> <td width="24%" valign="bottom" style='width:24.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 59,474,777 </p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Future life, annuity, and other benefits</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (52,648,838)</p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Accounts payable</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (6,953)</p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other liabilities and accrued expenses</p> </td> <td width="24%" valign="bottom" style='width:24.92%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (65,986)</p> </td> </tr> <tr style='height:13.4pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total liabilities assumed</p> </td> <td width="24%" valign="bottom" style='width:24.92%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.4pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; (52,721,777)</p> </td> </tr> <tr style='height:14.05pt'> <td width="75%" valign="bottom" style='width:75.08%;padding:0in 5.4pt 0in 5.4pt;height:14.05pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fair value of net assets acquired/consideration paid</p> </td> <td width="24%" valign="bottom" style='width:24.92%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:14.05pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $&#160;&#160;&#160;&#160; 6,753,000 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p> <!--egx--><table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="51%" colspan="5" valign="bottom" style='width:51.58%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>For the Year Ended December 31 (unaudited)</p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.7%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total revenues</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 306,471,770 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 284,812,830 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 229,483,646 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 11,923,653 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 12,627,709 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 8,044,482 </p> </td> </tr> <tr style='height:15.0pt'> <td width="48%" colspan="2" valign="bottom" style='width:48.42%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per Class A equivalent common share</p> </td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.95 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.7%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.88 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.57 </p> </td> </tr> <tr style='height:26.1pt'> <td width="45%" valign="bottom" style='width:45.66%;padding:0in 5.4pt 0in 5.4pt;height:26.1pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per Class A equivalent common share assuming dilution</p> </td> <td width="2%" valign="bottom" style='width:2.76%;padding:0in 5.4pt 0in 5.4pt;height:26.1pt'></td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:26.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.93 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:26.1pt'></td> <td width="15%" valign="bottom" style='width:15.7%;padding:0in 5.4pt 0in 5.4pt;height:26.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.85 </p> </td> <td width="2%" valign="bottom" style='width:2.22%;padding:0in 5.4pt 0in 5.4pt;height:26.1pt'></td> <td width="15%" valign="bottom" style='width:15.72%;padding:0in 5.4pt 0in 5.4pt;height:26.1pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.55 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="62%" style='width:62.9%;border-collapse:collapse'> <tr style='height:13.0pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other loans, net</p> </td> <td width="32%" valign="bottom" style='width:32.44%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 11,866,193 </p> </td> </tr> <tr style='height:13.0pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Property and equipment</p> </td> <td width="32%" valign="bottom" style='width:32.44%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 760,120 </p> </td> </tr> <tr style='height:13.0pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Goodwill</p> </td> <td width="32%" valign="bottom" style='width:32.44%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,373,722 </p> </td> </tr> <tr style='height:13.0pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other </p> </td> <td width="32%" valign="bottom" style='width:32.44%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,379,158 </p> </td> </tr> <tr style='height:13.0pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total assets acquired</p> </td> <td width="32%" valign="bottom" style='width:32.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,379,193 </p> </td> </tr> <tr style='height:13.0pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Other liabilities and accrued expenses</p> </td> <td width="32%" valign="bottom" style='width:32.44%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,368,000)</p> </td> </tr> <tr style='height:13.0pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total liabilities assumed</p> </td> <td width="32%" valign="bottom" style='width:32.44%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,368,000)</p> </td> </tr> <tr style='height:13.65pt'> <td width="67%" valign="bottom" style='width:67.56%;padding:0in 5.4pt 0in 5.4pt;height:13.65pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Fair value of net assets acquired</p> </td> <td width="32%" valign="bottom" style='width:32.44%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:13.65pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 15,011,193</p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="51%" colspan="5" valign="bottom" style='width:51.88%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>For the Year Ended December 31 (unaudited)</p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>(As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total revenues</p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 304,334,901 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 280,354,832 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 227,379,128 </p> </td> </tr> <tr style='height:15.0pt'> <td width="45%" valign="bottom" style='width:45.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 12,188,627 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 13,351,441 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 8,458,589 </p> </td> </tr> <tr style='height:15.0pt'> <td width="48%" colspan="2" valign="bottom" style='width:48.12%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per Class A equivalent common share</p> </td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.96 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.93 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.59 </p> </td> </tr> <tr style='height:30.0pt'> <td width="45%" valign="bottom" style='width:45.34%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per Class A equivalent common share assuming dilution</p> </td> <td width="2%" valign="bottom" style='width:2.78%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.94 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.90 </p> </td> <td width="2%" valign="bottom" style='width:2.24%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'></td> <td width="15%" valign="bottom" style='width:15.8%;padding:0in 5.4pt 0in 5.4pt;height:30.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 0.58 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="34%" colspan="2" valign="bottom" style='width:34.32%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31</p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="17%" valign="bottom" style='width:17.16%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amortized cost:</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance before valuation allowance at beginning of year</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 12,679,755 </p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160; 7,834,747 </p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>MSRs received as proceeds from loan sales</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 8,603,154 </p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 6,217,551 </p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Amortization</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160; (2,410,547)</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160; &#160;(1,372,543)</p> </td> </tr> <tr style='height:45.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Application of valuation allowance to write down MSRs &#160;&#160; with other than temporary impairment</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance before valuation allowance at year end</p> </td> <td width="17%" valign="bottom" style='width:17.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 18,872,362 </p> </td> <td width="17%" valign="bottom" style='width:17.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$ 12,679,755 </p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Valuation allowance for impairment of MSRs:</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at beginning of year</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Additions</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:45.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Application of valuation allowance to write down MSRs &#160;&#160; with other than temporary impairment</p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;- </p> </td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:45.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:15.0pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Balance at year end</p> </td> <td width="17%" valign="bottom" style='width:17.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> <td width="17%" valign="bottom" style='width:17.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; - </p> </td> </tr> <tr style='height:10.9pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:10.9pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:10.9pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:10.9pt'></td> </tr> <tr style='height:15.75pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Mortgage servicing rights, net</p> </td> <td width="17%" valign="bottom" style='width:17.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 18,872,362 </p> </td> <td width="17%" valign="bottom" style='width:17.16%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 12,679,755 </p> </td> </tr> <tr style='height:9.6pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:9.6pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:9.6pt'></td> <td width="17%" valign="bottom" style='width:17.16%;padding:0in 5.4pt 0in 5.4pt;height:9.6pt'></td> </tr> <tr style='height:15.75pt'> <td width="65%" valign="bottom" style='width:65.68%;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Estimated fair value of MSRs at year end</p> </td> <td width="17%" valign="bottom" style='width:17.16%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 25,496,832 </p> </td> <td width="17%" valign="bottom" style='width:17.16%;border:none;border-bottom:double windowtext 2.25pt;padding:0in 5.4pt 0in 5.4pt;height:15.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'> $ 13,897,160 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="32%" style='width:32.56%;border-collapse:collapse'> <tr style='height:27.05pt'> <td width="35%" valign="bottom" style='width:35.94%;padding:0in 5.4pt 0in 5.4pt;height:27.05pt'></td> <td width="7%" valign="bottom" style='width:7.88%;padding:0in 5.4pt 0in 5.4pt;height:27.05pt'></td> <td width="56%" valign="bottom" style='width:56.18%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:27.05pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Estimated MSR Amortization</p> </td> </tr> <tr style='height:13.5pt'> <td width="35%" valign="bottom" style='width:35.94%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>2017</p> </td> <td width="7%" valign="bottom" style='width:7.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="56%" valign="bottom" style='width:56.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>$&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,696,052 </p> </td> </tr> <tr style='height:13.5pt'> <td width="35%" valign="bottom" style='width:35.94%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>2018</p> </td> <td width="7%" valign="bottom" style='width:7.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="56%" valign="bottom" style='width:56.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,696,052 </p> </td> </tr> <tr style='height:13.5pt'> <td width="35%" valign="bottom" style='width:35.94%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>2019</p> </td> <td width="7%" valign="bottom" style='width:7.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="56%" valign="bottom" style='width:56.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,696,052 </p> </td> </tr> <tr style='height:13.5pt'> <td width="35%" valign="bottom" style='width:35.94%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>2020</p> </td> <td width="7%" valign="bottom" style='width:7.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="56%" valign="bottom" style='width:56.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,696,052 </p> </td> </tr> <tr style='height:13.5pt'> <td width="35%" valign="bottom" style='width:35.94%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>2021</p> </td> <td width="7%" valign="bottom" style='width:7.88%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="56%" valign="bottom" style='width:56.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,696,052 </p> </td> </tr> <tr style='height:13.5pt'> <td width="43%" colspan="2" valign="bottom" style='width:43.82%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Thereafter</p> </td> <td width="56%" valign="bottom" style='width:56.18%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,392,104 </p> </td> </tr> <tr style='height:14.2pt'> <td width="35%" valign="bottom" style='width:35.94%;padding:0in 5.4pt 0in 5.4pt;height:14.2pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="7%" valign="bottom" style='width:7.88%;padding:0in 5.4pt 0in 5.4pt;height:14.2pt'></td> <td width="56%" valign="bottom" style='width:56.18%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:14.2pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 18,872,364 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="35%" valign="bottom" style='width:35.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.14%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> </tr> <tr style='height:12.75pt'> <td width="35%" valign="bottom" style='width:35.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Contractual servicing fees</p> </td> <td width="19%" valign="bottom" style='width:19.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 5,661,699 </p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 3,864,454 </p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 2,641,234 </p> </td> </tr> <tr style='height:12.75pt'> <td width="35%" valign="bottom" style='width:35.46%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Late fees</p> </td> <td width="19%" valign="bottom" style='width:19.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 203,509 </p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 120,241 </p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="19%" valign="bottom" style='width:19.14%;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;123,399 </p> </td> </tr> <tr style='height:13.5pt'> <td width="35%" valign="bottom" style='width:35.46%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Total</p> </td> <td width="19%" valign="bottom" style='width:19.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 5,865,207 </p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="19%" valign="bottom" style='width:19.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 3,984,695 </p> </td> <td width="3%" valign="bottom" style='width:3.56%;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'></td> <td width="19%" valign="bottom" style='width:19.14%;border-top:solid windowtext 1.0pt;border-left:none;border-bottom:double windowtext 2.25pt;border-right:none;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160; 2,764,633 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="419" style='width:314.4pt;margin-left:5.4pt;border-collapse:collapse'> <tr style='height:12.75pt'> <td width="91" valign="bottom" style='width:.95in;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="328" colspan="5" valign="bottom" style='width:246.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Years Ended December 31</p> </td> </tr> <tr style='height:12.75pt'> <td width="91" valign="bottom" style='width:.95in;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="99" valign="bottom" style='width:74.6pt;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016</p> </td> <td width="15" valign="bottom" style='width:11.1pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="99" valign="bottom" style='width:74.6pt;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015</p> </td> <td width="15" valign="bottom" style='width:11.1pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="99" valign="bottom" style='width:74.6pt;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014</p> </td> </tr> <tr style='height:12.75pt'> <td width="91" valign="bottom" style='width:.95in;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Servicing UPB</p> </td> <td width="99" valign="bottom" style='width:74.6pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 2,720,441,340 </p> </td> <td width="15" valign="bottom" style='width:11.1pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="99" valign="bottom" style='width:74.6pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,861,835,430 </p> </td> <td width="15" valign="bottom" style='width:11.1pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'></td> <td width="99" valign="bottom" style='width:74.6pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;&#160;&#160;&#160;&#160; 1,227,249,143 </p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="373" style='width:280.0pt;margin-left:5.4pt;border-collapse:collapse'> <tr style='height:12.6pt'> <td width="156" valign="bottom" style='width:117.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.6pt'></td> <td width="78" valign="bottom" style='width:58.6pt;padding:0in 5.4pt 0in 5.4pt;height:12.6pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><u>Prepayment Speeds </u></p> </td> <td width="77" valign="bottom" style='width:57.45pt;padding:0in 5.4pt 0in 5.4pt;height:12.6pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><u>Average Life(Years) </u></p> </td> <td width="63" valign="bottom" style='width:46.95pt;padding:0in 5.4pt 0in 5.4pt;height:12.6pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'><u>Discount Rate </u></p> </td> </tr> <tr style='height:12.75pt'> <td width="156" valign="bottom" style='width:117.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>December 31, 2016</p> </td> <td width="78" valign="bottom" style='width:58.6pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>3.77%</p> </td> <td width="77" valign="bottom" style='width:57.45pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>6.52</p> </td> <td width="63" valign="bottom" style='width:46.95pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>10.01</p> </td> </tr> <tr style='height:12.75pt'> <td width="156" valign="bottom" style='width:117.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>December 31, 2015</p> </td> <td width="78" valign="bottom" style='width:58.6pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>3.02%</p> </td> <td width="77" valign="bottom" style='width:57.45pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>5.24</p> </td> <td width="63" valign="bottom" style='width:46.95pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>10.00</p> </td> </tr> <tr style='height:12.75pt'> <td width="156" valign="bottom" style='width:117.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>December 31, 2014</p> </td> <td width="78" valign="bottom" style='width:58.6pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2.87%</p> </td> <td width="77" valign="bottom" style='width:57.45pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>4.96</p> </td> <td width="63" valign="bottom" style='width:46.95pt;padding:0in 5.4pt 0in 5.4pt;height:12.75pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>10.00</p> </td> </tr> </table> <!--egx--><p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='border-collapse:collapse'> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="85%" colspan="15" valign="top" style='width:85.06%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2016 (2)</p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="85%" colspan="15" valign="top" style='width:85.06%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Three Months Ended</p> </td> </tr> <tr style='height:26.25pt'> <td width="14%" valign="bottom" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="9%" valign="bottom" style='width:9.68%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>March 31 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.56%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>March 31 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.34%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>June 30 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.04%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>June 30 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.02%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.9%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.0%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31 (As Previously Reported)</p> </td> <td width="2%" valign="top" style='width:2.66%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31 (As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Revenues</p> </td> <td width="9%" valign="bottom" style='width:9.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160; 67,355,307 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 69,456,348 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 81,312,192 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 80,087,227 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 84,393,427 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 82,948,657 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 74,147,490 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 71,842,669 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Benefits and expenses</p> </td> <td width="9%" valign="bottom" style='width:9.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 63,163,550 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 65,385,268 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 73,758,739 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 72,101,342 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 77,427,792 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 76,375,127 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 72,117,972 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 70,769,933 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Earnings before income taxes</p> </td> <td width="9%" valign="bottom" style='width:9.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,191,757 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;4,071,080 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,553,453 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,985,885 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,965,635 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,573,530 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,029,518 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,072,736 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Income tax expense</p> </td> <td width="9%" valign="bottom" style='width:9.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;(1,580,220)</p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,533,139)</p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,456,885)</p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,968,879)</p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,190,206)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,390,525)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (233,548)</p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (622,061)</p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="9%" valign="bottom" style='width:9.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,611,537 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,537,941 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,096,568 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,017,006 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,775,429 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,183,005 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,795,970 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 450,675 </p> </td> </tr> <tr style='height:15.0pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share (1)</p> </td> <td width="9%" valign="bottom" style='width:9.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.18 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.17 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.35 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.04%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.34 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.02%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.32 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.9%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.28 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.0%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.12 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.03 </p> </td> </tr> <tr style='height:25.5pt'> <td width="14%" valign="top" style='width:14.94%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share &#160;&#160; assuming dilution (1)</p> </td> <td width="9%" valign="bottom" style='width:9.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.17 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.17 </p> </td> <td width="2%" valign="bottom" style='width:2.34%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.34%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.34 </p> </td> <td width="2%" valign="bottom" style='width:2.64%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.04%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.33 </p> </td> <td width="2%" valign="bottom" style='width:2.68%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.02%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.31 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.9%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.27 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.0%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.12 </p> </td> <td width="2%" valign="bottom" style='width:2.66%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&nbsp;</p> </td> <td width="7%" valign="bottom" style='width:7.54%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.03 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="84%" colspan="15" valign="top" style='width:84.44%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2015 (2)</p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="84%" colspan="15" valign="top" style='width:84.44%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Three Months Ended</p> </td> </tr> <tr style='height:26.25pt'> <td width="15%" valign="bottom" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="8%" valign="bottom" style='width:8.46%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>March 31 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>March 31 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>June 30 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.94%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>June 30 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.72%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.48%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31 (As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Revenues</p> </td> <td width="8%" valign="bottom" style='width:8.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160; 66,537,523 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 65,824,546 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 77,292,625 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 75,187,618 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 74,062,877 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 74,985,622 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 66,671,215 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 64,357,046 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Benefits and expenses</p> </td> <td width="8%" valign="bottom" style='width:8.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 61,051,248 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 61,388,750 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 69,808,663 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 68,772,252 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 67,700,286 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 68,073,150 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 64,779,238 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 61,107,208 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Earnings before income taxes</p> </td> <td width="8%" valign="bottom" style='width:8.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 5,486,275 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,435,796 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 7,483,962 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,415,366 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,362,591 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,912,472 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,891,977 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,249,838 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Income tax expense</p> </td> <td width="8%" valign="bottom" style='width:8.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,104,958)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,698,788)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,867,957)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,454,812)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,346,210)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (2,554,134)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (426,823)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (954,297)</p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="8%" valign="bottom" style='width:8.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,381,317 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,737,008 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,616,005 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,960,554 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,016,381 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,358,338 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,465,154 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,295,541 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share (1)</p> </td> <td width="8%" valign="bottom" style='width:8.46%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.24 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.19 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.32 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.27 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.28 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.30 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.10 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.16 </p> </td> </tr> <tr style='height:25.5pt'> <td width="15%" valign="top" style='width:15.56%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share &#160;&#160; assuming dilution (1)</p> </td> <td width="8%" valign="bottom" style='width:8.46%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.23 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.18 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.31 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.94%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.26 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.26 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.29 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.72%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.10 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.48%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.15 </p> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-autospace:none;letter-spacing:-.1pt'>&nbsp;</p> <table border="0" cellspacing="0" cellpadding="0" width="100%" style='width:100.0%;border-collapse:collapse'> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="84%" colspan="15" valign="top" style='width:84.38%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>2014 (2)</p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="84%" colspan="15" valign="top" style='width:84.38%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>Three Months Ended</p> </td> </tr> <tr style='height:26.25pt'> <td width="15%" valign="bottom" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>&nbsp;</p> </td> <td width="8%" valign="bottom" style='width:8.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>March 31 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>March 31 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.74%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>June 30 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>June 30 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.98%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>September 30 (As Restated)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31 (As Previously Reported)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'></td> <td width="8%" valign="bottom" style='width:8.5%;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.25pt'> <p align="center" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:center;text-autospace:ideograph-numeric ideograph-other'>December 31 (As Restated)</p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Revenues</p> </td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right;text-autospace:ideograph-numeric ideograph-other'>&#160;$&#160;&#160;&#160;&#160;&#160;&#160; 45,502,539 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160;&#160; 45,843,231 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 60,200,879 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 58,408,816 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 61,012,516 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$ &#160;&#160;&#160;&#160;&#160;60,515,415 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 60,662,683 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;$&#160;&#160;&#160;&#160; 60,279,687 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Benefits and expenses</p> </td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 44,887,289 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 46,062,797 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 55,224,633 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,921,094 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160; &#160;&#160;&#160;&#160;58,348,652 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 57,958,096 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 55,995,147 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; 53,378,211 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Earnings before income taxes</p> </td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 615,250 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (219,566)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,976,246 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,487,722 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,663,864 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,557,319 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 4,667,536 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 6,901,476 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Income tax expense</p> </td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (202,352)</p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 119,914 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,870,803)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,685,203)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (961,140)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (919,546)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (1,864,368)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160; (3,025,284)</p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net earnings</p> </td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 412,898 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (99,652)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,105,443 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,802,519 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,702,724 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1,637,773 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 2,803,168 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 3,876,192 </p> </td> </tr> <tr style='height:15.0pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:justify;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share (1)</p> </td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.03 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>($0.01)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.22 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.20 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.12 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.98%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.12 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.20 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:15.0pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.28 </p> </td> </tr> <tr style='height:25.5pt'> <td width="15%" valign="top" style='width:15.62%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-autospace:ideograph-numeric ideograph-other'>Net earnings per common share &#160;&#160; assuming dilution (1)</p> </td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.03 </p> </td> <td width="2%" valign="bottom" style='width:2.16%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>($0.01)</p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.74%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.22 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.20 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.12 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.98%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.11 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.19 </p> </td> <td width="2%" valign="bottom" style='width:2.18%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'></td> <td width="8%" valign="bottom" style='width:8.5%;padding:0in 5.4pt 0in 5.4pt;height:25.5pt'> <p align="right" style='margin:0in;margin-bottom:.0001pt;text-autospace:none;text-align:right'>$0.27 </p> </td> </tr> </table> 4475065 249028 4657982 6017225 153514 6037490 164375636 10440989 171089612 9488083 221400 9428612 13418 11078349 10985338 447110 10573356 10985338 447110 10573356 58593622 40800117 51536622 1748783 149181578 145165921 6694148 33548079 48797 1765752 -1119630 40937146 27560040 3560579 292869 3848705 1805828 182073 1986861 134488108 9836355 138822720 5091887 190867 5207174 612023 29675 641698 145558425 10531839 150507158 9891500 213684 8431090 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Eligible employees are primarily those with more than one year of service, who work in excess of 1,000 hours per year. Contributions, which may be in cash or stock of the Company, are determined annually by the Board of Directors. The Company&#146;s contributions are allocated to eligible employees based on the ratio of each eligible employee&#146;s compensation to total compensation for all eligible employees during each year. 500450 265623 The Company has three 401(k) savings plans covering all eligible employees, as defined above, which includes employer participation in accordance with the provisions of Section 401(k) of the Internal Revenue Code. 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Imputed interest at 7%. Payable in monthly installments of $13,741 including principal and interest, collateralized by real property with a book value of approximately $498,000, due November 2017. Monthly installments of $1,702 including principal and interest, collateralized by real property with a book value of approximately $278,000, due October 2041 Monthly LIBOR rate note payable in monthly principal payments of $13,167 plus interest, collateralized by real property with a book value of approximately $4,564,000, due October 2021 Monthly installments of $86,059 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due January 2018 Monthly installments of $53,881 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due November 2021 Monthly installments of $46,825 including principal and interest, collateralized by real property with a book value of approximately $12,060,000 due January 2026. Monthly installments of $9,775 including principal and interest, collateralized by real property with a book value of approximately $3,048,000, due September 2025 Monthly LIBOR rate construction loan payable, collateralized by real property with a book value of approximately $31,835,000, due August 2019 Monthly installments of approximately $123,800, collateralized by real property with a book value of approximately $35,798,000, due October 2019 1 month LIBOR rate plus 3% loan purchase agreement with a warehouse line availability of $100,000,000, matures June 2018 1 month LIBOR rate plus 3% loan purchase agreement with a warehouse line availability of $100,000,000, matures September 2017 EX-101.SCH 8 snfca-20161231.xsd XBRL TAXONOMY EXTENSION SCHEMA 000210 - Disclosure - Note 14: Business Segment Information link:presentationLink link:definitionLink link:calculationLink 000060 - Statement - Statements of Stockholders' Equity link:presentationLink link:definitionLink link:calculationLink 000930 - Disclosure - Note 16: Fair Value of Financial Instruments: Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs (Tables) link:presentationLink link:definitionLink link:calculationLink 000950 - Disclosure - Note 16: Fair Value of Financial Instruments: Schedule of Financial Instruments Carried at Other Than Fair Value (Tables) link:presentationLink link:definitionLink link:calculationLink 001570 - Disclosure - Note 14: Business Segment Information: Schedule of Segment Reporting Information, by Segment (Details) link:presentationLink link:definitionLink link:calculationLink 000710 - Disclosure - Note 2: Investments: Schedule of Mortgate loans on a nonaccrual status (Tables) link:presentationLink link:definitionLink link:calculationLink 001220 - Disclosure - Note 2: Investments: Schedule of aging of mortgage loans (Details) link:presentationLink link:definitionLink link:calculationLink 000360 - Disclosure - Note 1: Significant Accounting Policies: Loans Held For Sale (Policies) link:presentationLink link:definitionLink link:calculationLink 001210 - 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Loans Held For Sale Investments {1} Investments Note 22: Impact of Restatement Adjustments on Quarterly Financial Statements (unaudited) Represents the textual narrative disclosure of Note 22: Impact of Restatement Adjustments on Quarterly Financial Statements (unaudited), during the indicated time period. Note 20: Mortgage Servicing Rights Represents the textual narrative disclosure of Note 20: Mortgage Servicing Rights, during the indicated time period. Note 18: Derivative Instruments Income taxes {1} Income taxes Cash paid during the year for: Land and improvements held for sale Amortization of premiums and discounts Net earnings per Class A equivalent common share - assuming dilution(1) Mortgage fee income Represents the monetary amount of Mortgage fee income, during the indicated time period. Additional paid-in capital Total liabilities Total liabilities Goodwill Goodwill, Beginning Balance Goodwill, Ending Balance Entity Registrant Name MortgageServicingRights Represents the monetary amount of MortgageServicingRights, as of the indicated date. OtherLiabilitiesAndAccruedExpensesMember ReceivablesMember FixedMaturitySecuritiesHeldToMaturityMember Fair Value of Liability Derivatives, Interest rate lock and forward sales commitments Represents the monetary amount of Fair Value of Liability Derivatives, Interest rate lock and forward sales commitments, as of the indicated date. Net Potential unrealized gains (losses) for derivative mortgage loans before taxes Represents the monetary amount of Net Potential unrealized gains (losses) for derivative mortgage loans before taxes, as of the indicated date. Future Policy Benefits - Annuities Derivatives - bank loan interest rate swaps, Put Options Represents the monetary amount of Derivatives - bank loan interest rate swaps, Put Options, as of the indicated date. Cemetery and Mortuary SecurityNationalLifeInsuranceMember Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures in Period Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Exercised Employee stock options Represents the monetary amount of Employee stock options, during the indicated time period. Operating Leases, Future Minimum Payments, Due in Four Years FixedMaturitySecuritiesMember Cemetery perpetual care obligation, trust investments at market value Represents the monetary amount of Cemetery perpetual care obligation, trust investments at market value, as of the indicated date. Change in accumulated other comprehensive income Represents the monetary amount of Change in accumulated other comprehensive income, during the indicated time period. Loans Payable {1} Loans Payable Property, Plant and Equipment, Other, Accumulated Depreciation DueInYearsTwoThroughFiveMember Financing Receivable, Individually Evaluated for Impairment Financing Receivable, Individually Evaluated for Impairment Maximum Contractual Maturity [Axis] Available-for-sale Debt Securities, Gross Unrealized Loss Available-for-sale Debt Securities, Gross Unrealized Loss Schedule of the components of the cemetery perpetual care obligation Represents the textual narrative disclosure of Schedule of the components of the cemetery perpetual care obligation, during the indicated time period. Schedule of Unrealized Loss on Investments Tables/Schedules Participating Insurance Represents the textual narrative disclosure of Participating Insurance, during the indicated time period. Note 4: Value of Business Acquired Purchase of treasury stock {1} Purchase of treasury stock Represents the monetary amount of Purchase of treasury stock, during the indicated time period. Purchases of real estate held for investment Purchases of real estate held for investment Proceeds from loans sold Treasury Stock {1} Treasury Stock Other comprehensive income Other comprehensive gain (loss) Income tax expense Income tax expense Other expenses Amortization of deferred policy and pre-need acquisition costs and value of business acquired Realized gains on investments and other assets Realized losses (gains) on investments and other assets Income Statement Balance Sheet Parenthetical Unearned premium reserve Cemetery land and improvements Cash and cash equivalents Equity securities, available for sale, at estimated fair value Document Period End Date Class of Stock [Axis] TotalAssetsMember RealEstateHeldForInvestmentMember Business Acquisition Purchase Price Allocation Increase (Decrease) in Other comprehensive income, Balance Represents the monetary amount of Increase (Decrease) in Other comprehensive income, Balance, during the indicated time period. Assets accounted for at fair value on non-recurring basis Assets, Fair Value Disclosure, Nonrecurring Mortgage servicing rights Represents the monetary amount of Mortgage servicing rights, as of the indicated date. Level 3 Inputs [Axis] Future policy benefits - annuities Represents the monetary amount of Future policy benefits - annuities, as of the indicated date. Cemetery perpetual care trust investments {1} Cemetery perpetual care trust investments Represents the monetary amount of Cemetery perpetual care trust investments, as of the indicated date. Statutory Accounting Practices, Statutory Net Income Amount DeferredCompensationPlanMember Cemetery perpetual care obligation, trust assets Represents the monetary amount of Cemetery perpetual care obligation, trust assets, as of the indicated date. Current Installment Current Installment Represents the monetary amount of Current Installment, as of the indicated date. N634NotePayableMember Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment Minimum Cemeteries and mortuaries Gross Realized Gains Represents the monetary amount of Gross Realized Gains, during the indicated time period. Available For Sale Securities Fair Value Represents the monetary amount of Available For Sale Securities Fair Value, as of the indicated date. Policy loans and other investments Represents the monetary amount of Policy loans and other investments, as of the indicated date. Held-to-maturity Securities, Unrecognized Holding Gain Assumptions used in determining MSR value Represents the textual narrative disclosure of Assumptions used in determining MSR value, during the indicated time period. Business Acquisition [Axis] Schedule of Principal amounts due on mortgage loans on real estate and construction loans held for investment by category Represents the textual narrative disclosure of Schedule of Principal amounts due on mortgage loans on real estate and construction loans held for investment by category, during the indicated time period. Commercial Real Estate Investment Major Types of Debt and Equity Securities [Axis] AsOfDecember312015Member Goodwill {1} Goodwill Note 7: Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds Represents the textual narrative disclosure of Note 7: Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds, during the indicated time period. Net cash provided by financing activities Net cash provided by financing activities Proceeds from stock options exercised Proceeds from stock options exercised Purchases of short-term investments Purchases of short-term investments Purchase - equity securities Purchase - equity securities Conversion Class C to Class A Represents the monetary amount of ConversionClassCToClassA, during the indicated time period. Retained Earnings Additional Paid-in Capital Commissions Death benefits Represents the monetary amount of Death benefits, during the indicated time period. Benefits and expenses: Other than temporary impairments Other than temporary impairments Total Liabilities and Stockholders' Equity Total Liabilities and Stockholders' Equity Treasury stock, at cost - 704,122 Class A shares and -0- Class C shares in 2016; 930,546 Class A shares and -0- Class C shares in 2015 Treasury stock, at cost - 704,122 Class A shares and -0- Class C shares in 2016; 930,546 Class A shares and -0- Class C shares in 2015 Entity Well-known Seasoned Issuer Entity Public Float Current Fiscal Year End Date Other Revenue, Net Estimated Amortization of Mortgage Service Rights Represents the monetary amount of Estimated Amortization of Mortgage Service Rights, during the indicated time period. Fair Value of Assets Acquired Goodwill1Member Tax Effect Gain on Derivatives Represents the monetary amount of Tax Effect Gain on Derivatives, during the indicated time period. Sub total Gain on Derivatives Represents the monetary amount of Sub total Gain on Derivatives, during the indicated time period. Increase (Decrease) in Unrealized net gains on available- for-sale securities and trust investments Represents the monetary amount of Increase (Decrease) in Unrealized net gains on available- for-sale securities and trust investments, during the indicated time period. Potential Tax Expense Benefit Represents the monetary amount of Potential Tax Expense Benefit, as of the indicated date. Depreciation {1} Depreciation Represents the monetary amount of Depreciation, during the indicated time period. Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Granted Adjustedweighted average shares and assumed conversions Represents the Adjustedweighted average shares and assumed conversions (number of shares), during the indicated time period. Diluted weighted-average shares outstanding SafeHarborPlanMember Cemetery perpetual care obligation, note receivables eliminated in consolidation Represents the monetary amount of Cemetery perpetual care obligation, note receivables eliminated in consolidation, as of the indicated date. Derivative Liability N99789NotePayableMember Receivables held in escrow Represents the monetary amount of Receivables held in escrow, as of the indicated date. Total Past Due Mortgage loans Mortgage loans Represents the monetary amount of Mortgage loans, as of the indicated date. TexasMember LouisianaMember KansasMember DueIn2017Member Time Duration [Axis] Other investments at estimated fair value Represents the monetary amount of Other investments at estimated fair value, as of the indicated date. Schedule of Other Revenues Schedule of Gains and Losses on Derivatives Represents the textual narrative disclosure of Schedule of Gains and Losses on Derivatives, during the indicated time period. Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs Represents the textual narrative disclosure of Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs, during the indicated time period. Schedule of statutory accounting practices Represents the textual narrative disclosure of Schedule of statutory accounting practices, during the indicated time period. Schedule of Effective Income Tax Rate Reconciliation Schedule of Receivables Represents the textual narrative disclosure of Schedule of Receivables, during the indicated time period. Schedule of Mortgate loans on a nonaccrual status Represents the textual narrative disclosure of Schedule of Mortgate loans on a nonaccrual status, during the indicated time period. Transfer of loans held for sale to mortgage loans held for investment Represents the monetary amount of Transfer of loans held for sale to mortgage loans held for investment, during the indicated time period. Cash flows from investing activities: Stock Dividends Net unrealized gains on derivative instruments Other comprehensive income: Income taxes Other assets Receivables, net Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 Fixed maturity securities, held to maturity, at amortized cost AdjustmentAMember OtherMember ReceivableFromReinsurersMember DeferredTaxAssetMember Fair Value of Liability Derivatives, Call Options Represents the monetary amount of Fair Value of Liability Derivatives, Call Options, as of the indicated date. Other comprehensive income changes Represents the monetary amount of Other comprehensive income changes, as of the indicated date. ShortTermInvestments1Member Restricted assets of cemeteries and mortuaries Represents the monetary amount of Restricted assets of cemeteries and mortuaries, as of the indicated date. Trading Securities, Equity Fair Value, Inputs, Level 2 Fair Value, Hierarchy [Axis] Revenue from customers Represents the monetary amount of Revenue from customers, during the indicated time period. SouthernSecurityLifeInsuranceCompanyIncMember Segment Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term Options exercisable Deferred Compensation Arrangements, Overall, Description Compensation [Axis] Operating Leases, Future Minimum Payments Due, Next Twelve Months Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Amount Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Amount Deferred State and Local Income Tax Expense (Benefit) Deferred Tax, Valuation Allowance Represents the monetary amount of Deferred Tax, Valuation Allowance, as of the indicated date. Bank and other loans, excluding current installments Represents the monetary amount of Bank and other loans, excluding current installments, as of the indicated date. Provision for current loan originations Represents the monetary amount of Provision for current loan originations, during the indicated time period. Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest PerformingMember Aging of Loans Aging of Loans [Axis] Restricted Assets [Axis] Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net, Available-for-sale Securities Held-to-maturity Securities, Fair Value Mortgage loans on real estate and construction, allowance for losses Mortgage loans on real estate and construction, allowance for losses Represents the monetary amount of Mortgage loans on real estate and construction, allowance for losses, as of the indicated date. Types of Financial Instruments AsOfDecember312014Member Schedule of components of Deferred Tax Liabilities Represents the textual narrative disclosure of Schedule of components of Deferred Tax Liabilities, during the indicated time period. Advertising {1} Advertising Stock Based Compensation Derivative Instruments Proceeds from bank borrowings Annuity contract withdrawals Annuity contract withdrawals Earnings before income taxes Earnings before income taxes Revenues: Investments: Entity Central Index Key Amendment Flag FutureLifeAnnuityAndOtherBenefitsMember Level 3 Inputs Derivatives - bank loan interest rate swaps, Interest rate lock commitments Represents the monetary amount of Derivatives - bank loan interest rate swaps, Interest rate lock commitments, as of the indicated date. Increase (Decrease) in Future Policy Benefit Reserves MemorialInsuranceCompanyOfAmericaMember Business Segments [Axis] Adjustment for the effect of stock dividends Represents the Adjustment for the effect of stock dividends (number of shares), during the indicated time period. Shares outstanding Compensation {1} Compensation Defined Contribution Plan, Description State and Local Income Tax Expense (Benefit), Continuing Operations Bank loans payable, lines of credit and notes and contracts payable Represents the monetary amount of Bank loans payable, lines of credit and notes and contracts payable, as of the indicated date. DueInYearThreeMember Line of Credit Facility, Description Long-term Debt, Fair Value N625ANotePayableMember Trade contracts Represents the monetary amount of Trade contracts, as of the indicated date. Impaired Financing Receivable, Average Recorded Investment Allowance for credit losses, Charge-offs Allowance for credit losses, Charge-offs Represents the monetary amount of Allowance for credit losses, Charge-offs, during the indicated time period. IllinoisMember CaliforniaMember NewMexicoMember Net carrying amount for sales of securities Represents the monetary amount of Net carrying amount for sales of securities, during the indicated time period. Investments by Category [Axis] Real estate held for investment, net of depreciation Fair Value Assets Measured on a Nonrecurring Basis Schedule of Value of Business Acquired Represents the textual narrative disclosure of Schedule of Value of Business Acquired, during the indicated time period. Available-for-sale Securities {1} Available-for-sale Securities General Overview of Business Note 8: Income Taxes Servicing asset at amortized cost, additions Comprehensive income Surrenders and other policy benefits Represents the monetary amount of Surrenders and other policy benefits, during the indicated time period. Insurance premiums and other considerations Allowance for losses on mortgage loans on real estate and construction loans, held for investment Bank and other loans payable Total Assets Total Assets Document Fiscal Year Focus Scenario, Previously Reported Estimated fair value of MSRs Represents the monetary amount of Estimated fair value of MSRs, as of the indicated date. Unrealized net gains on available- for-sale securities and trust investments Unrealized net gains on available- for-sale securities and trust investments Unrealized net gains on available- for-sale securities and trust investments Represents the monetary amount of Unrealized net gains on available- for-sale securities and trust investments, as of the indicated date. Mortgage Loans on Real Estate Assets accounted for at fair value on a recurring basis Other than Temporary Impairment Losses, Investments Mortgage Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Remaining Contractual Term Amounts accrued for loan losses Represents the monetary amount of Amounts accrued for loan losses, during the indicated time period. Deferred Tax Net Operating Loss Represents the monetary amount of Deferred Tax Net Operating Loss, as of the indicated date. ApproximateMember Current Income Tax Liability Represents the monetary amount of Current Income Tax Liability, as of the indicated date. Property, Plant and Equipment, Gross Land and Building Mortgage Loans Principal Amount due Represents the monetary amount of Mortgage Loans Principal Amount due, as of the indicated date. Impaired Financing Receivable, Related Allowance Impaired Financing Receivable, with Related Allowance, Recorded Investment Impaired Financing Receivable, with No Related Allowance, Recorded Investment WashingtonMember Investment Geographic Region [Axis] Commercial Real Estate 1 Insurance Assignments PolicyLoans1Member Other Assets {1} Other Assets Short-term investments at amortized cost Represents the monetary amount of Short-term investments at amortized cost, as of the indicated date. Insurance assignments Represents the monetary amount of Insurance assignments, as of the indicated date. The Estimated Fair Values of The Assets Acquired and The Liabilities Assumed At The Date of Acquisition Schedule of Financial Instruments Carried at Other Than Fair Value Represents the textual narrative disclosure of Schedule of Financial Instruments Carried at Other Than Fair Value, during the indicated time period. Schedule of Impaired Mortgage Loans Represents the textual narrative disclosure of Schedule of Impaired Mortgage Loans, during the indicated time period. AsOfDecember312016Member Mortgage Servicing Rights Represents the textual narrative disclosure of Mortgage Servicing Rights, during the indicated time period. Note 21: Correction of Errors Note 3: Receivables Net change in warehouse line borrowings Sale of real estate held for investment Sales (purchases) of restricted assets Sales (purchases) of restricted assets Net cash provided by (used in) operating activities Statement of Cash Flows Comprehensive Income Statement Costs related to funding mortgage loans Represents the monetary amount of Costs related to funding mortgage loans, during the indicated time period. Net investment income Retained earnings Loans held for sale Represents the monetary amount of Loans held for sale, as of the indicated date. Products and Services [Axis] Amortization of Mortgage Servicing Rights Thereafter Represents the monetary amount of Amortization of Mortgage Servicing Rights Thereafter, as of the indicated date. AccruedInvestmentIncomeMember Carrying Value Represents the monetary amount of Carrying Value, as of the indicated date. LoansHeldForSale1Member Fair Value, Losses (Gains) included in other comprehensive income Represents the monetary amount of Fair Value, Losses (Gains) included in other comprehensive income, during the indicated time period. Derivatives - bank loan interest rate swaps, Call Options Represents the monetary amount of Derivatives - bank loan interest rate swaps, Call Options, as of the indicated date. Life Insurance Segment Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value Conversion of Stock, Shares Issued Rent expense related to non-cancelable operating leases Represents the monetary amount of Rent expense related to non-cancelable operating leases, during the indicated time period. Current Income Tax Expense (Benefit) Deferred Tax, Available for sale Securities Represents the monetary amount of Deferred Tax, Available for sale Securities, as of the indicated date. Cemetery perpetual care obligation, fair value of trust assets in excess of trust obligations Represents the monetary amount of Cemetery perpetual care obligation, fair value of trust assets in excess of trust obligations, as of the indicated date. DueInYearThereafterMember RevolvingLineOfCredit1Member N385ANotePayableMember Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment Impaired Financing Receivable, Unpaid Principal Balance Past due 90 or more days Financing Receivable, Allowance for Credit Losses, Beginning Balance Financing Receivable, Allowance for Credit Losses, Beginning Balance Financing Receivable, Allowance for Credit Losses, Ending Balance Square Footage Represents the Square Footage, as of the indicated date. ArkansasMember Other than Temporary Impairments Represents the monetary amount of Other than Temporary Impairments, during the indicated time period. DueIn2018Through2021Member Average market value over amortized cost Represents the Average market value over amortized cost, as of the indicated date. US Treasury and Government Schedule of Error Corrections and Prior Period Adjustments Schedule of Mortgage Servicing Rights Amortization Represents the textual narrative disclosure of Schedule of Mortgage Servicing Rights Amortization, during the indicated time period. Schedule of Segment Reporting Information, by Segment Loan Loss Reserve Represents the textual narrative disclosure of Loan Loss Reserve, during the indicated time period. Property and Equipment Non Cash Investing and Financing Activities: Cash paid for purchase of subsidiaries, net of cash acquired Represents the monetary amount of Cash paid for purchase of subsidiaries, net of cash acquired, during the indicated time period. Sales - equity securities Provision for loan losses and doubtful accounts Sale of treasury stock Equity Component Net unrealized gains (losses) on available for sale securities Changes in: Weighted average Class A equivalent common shares outstanding (1) Selling, general and administrative expenses: Treasury Stock Accumulated depreciation on real estate held for investment Value of business acquired Receivable from reinsurers Represents the monetary amount of Receivable from reinsurers, as of the indicated date. Servicing Unpaid Principal Balance Represents the monetary amount of Servicing Unpaid Principal Balance, during the indicated time period. Business Acquisition, Pro Forma Earnings Per Share, Diluted Business Acquisition, Pro Forma Revenue TotalLiabilitiesMember Fair Value of Asset Derivatives, Interest rate lock and forward sales commitments Represents the monetary amount of Fair Value of Asset Derivatives, Interest rate lock and forward sales commitments, as of the indicated date. Unrealized gains (losses) on derivative bank loan interest rate swaps Unrealized gains (losses) on derivative bank loan interest rate swaps Unrealized gains (losses) on derivative bank loan interest rate swaps Represents the monetary amount of Unrealized gains (losses) on derivative bank loan interest rate swaps, as of the indicated date. MortgageServicingRights2Member Fair Value Balance Fair Value Balance Fair Value Balance Represents the monetary amount of Fair Value Balance, as of the indicated date. Bank Loan Interest Rate Swaps Derivatives - interest rate lock commitments Represents the monetary amount of Derivatives - interest rate lock commitments, as of the indicated date. Fair Value, Inputs, Level 3 Fair Value, Inputs, Level 1 Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest Employee Stock Ownership Plan (ESOP) Name [Axis] Insurance assumed from other companies Represents the monetary amount of Insurance assumed from other companies, as of the indicated date. Unrecognized Tax Benefits Deferred Tax, Unearned premium Represents the monetary amount of Deferred Tax, Unearned premium, as of the indicated date. Impaired Financing Receivable, with Related Allowance, Average Recorded Investment Mortgage Loans, Allowance for Loan Losses Represents the monetary amount of Mortgage Loans, Allowance for Loan Losses, during the indicated time period. Range [Axis] Average Market Value of Security over initial investment Represents the Average Market Value of Security over initial investment, as of the indicated date. Mortgage loans on real estate and construction Represents the monetary amount of Mortgage loans on real estate and construction, as of the indicated date. Available-for-sale Debt Securities Gross Unrealized Gain Industrial, miscellaneous and all other equity securities Redeemable Preferred Stock Schedule of Changes in accumulated other comprehensive income Represents the textual narrative disclosure of Schedule of Changes in accumulated other comprehensive income, during the indicated time period. Investments Classified by Contractual Maturity Date Scenario [Axis] Income Taxes Accrued real estate construction costs and retainage Represents the monetary amount of Accrued real estate construction costs and retainage, during the indicated time period. Mortgage, policy, and other investments made Mortgage, policy, and other investments made Sales of short-term investments Future life and other benefits Represents the monetary amount of Future life and other benefits, during the indicated time period. Policy and pre-need acquisition costs amortized Advertising Increase in future policy benefits Common Stock Authorized Preferred Stock: Accrued investment income Policy loans and other investments, net of allowances for doubtful accounts of $1,119,630 and $906,616 for 2016 and 2015 Represents the monetary amount of Policy and other loans, net of allowances for doubtful accounts of $876,318 and $693,413 for 2015 and 2014, as of the indicated date. Entity Current Reporting Status Trading Symbol Document and Entity Information: Restatement Adjustment AdjustmentBMember Average Life in Years of MSR Represents the Average Life in Years of MSR, during the indicated time period. Amortization of MSR's Represents the monetary amount of Amortization of MSR's, during the indicated time period. Business Acquisition, Pro Forma Earnings Per Share, Basic EquitySecuritiesAvailableForSaleMember Fair Value of Asset Derivatives, Total Represents the monetary amount of Fair Value of Asset Derivatives, Total, as of the indicated date. Fair Value, Losses (Gains) included in earnings Represents the monetary amount of Fair Value, Losses (Gains) included in earnings, during the indicated time period. Benefits and Expenses Represents the monetary amount of Benefits and Expenses, during the indicated time period. Interest Expense, intersegment Represents the monetary amount of Interest Expense, intersegment, during the indicated time period. Provision for Loan and Lease Losses Statutory Accounting Practices, Statutory Capital and Surplus, Balance Operating Leases, Future Minimum Payments, Due in Two Years Deferred Tax, Deferred policy acquisition costs Represents the monetary amount of Deferred Tax, Deferred policy acquisition costs, as of the indicated date. DueInYearOneMember N440NotePayableMember N427NotePayableMember Property, Plant and Equipment, Type Value of business acquired - amortization Represents the monetary amount of Value of business acquired - amortization, during the indicated time period. Financing Receivable Acquired With Deteriorated Credit Quality Represents the monetary amount of Financing Receivable Acquired With Deteriorated Credit Quality, during the indicated time period. OklahomaMember Investments {2} Investments DueIn2022Through2026Member Residential Mortgage Corporate Debt Securities Schedule of Major categories of net investment income Represents the textual narrative disclosure of Schedule of Major categories of net investment income, during the indicated time period. Held-to-maturity Securities {2} Held-to-maturity Securities Held-to-maturity Securities {1} Held-to-maturity Securities Pre-need Sales and Costs Represents the textual narrative disclosure of Pre-need Sales and Costs, during the indicated time period. Deferred Policy Acquisition Costs and Value of Business Acquired Cemetery Perpetual Care Trust Investments Represents the textual narrative disclosure of Cemetery Perpetual Care Trust Investments, during the indicated time period. Note 11: Capital Stock Mortgage loans foreclosed into real estate Represents the monetary amount of MortgageLoansForeclosedIntoRealEstate, during the indicated time period. Supplemental Disclosure of Cash Flow Information: Change in assets for perpetual care trusts Change in assets for perpetual care trusts Represents the monetary amount of Changes in assets for perpetual care trusts, during the indicated time period. Securities available for sale: Common Stock Issued Short-term investments Mortgage loans on real estate and construction loans held for investment, net of allowances for loan losses of $1,748,783 and $1,848,120 for 2016 and 2015 Class C Common Stock {1} Class C Common Stock Class A Common Stock {1} Class A Common Stock Entity Filer Category Net Earnings Represents the monetary amount of Net Earnings, during the indicated time period. Fair Value of Liability Derivatives, Total Represents the monetary amount of Fair Value of Liability Derivatives, Total, as of the indicated date. Reclassification adjustment for net realized gains in net income Represents the monetary amount of Reclassification adjustment for net realized gains in net income, as of the indicated date. Other Investments {1} Other Investments Employee Service Share-based Compensation, Allocation of Recognized Period Costs, Capitalized Amount ScottMQuistMember Defined Contribution Plan, Maximum Annual Contributions Per Employee, Amount Plan Name [Axis] Effective Income Tax Rate Reconciliation, Other Adjustments, Amount Effective Income Tax Rate Reconciliation, Other Adjustments, Amount Deferred Tax Assets, Net of Valuation Allowance Deferred Tax, Loan Loss Reserve Represents the monetary amount of Deferred Tax, Loan Loss Reserve, as of the indicated date. MutualFundsMember DueInYearFourMember Line of Credit Facility, Interest Rate at Period End Line of Credit Facility, Maximum Borrowing Capacity RevolvingLineOfCredit2Member Office Equipment Value of business acquired, balance at start of period Value of business acquired, balance at start of period Value of business acquired, balance at start of period Represents the monetary amount of Value of business acquired, balance at start of period, as of the indicated date. NonPerformingMember In Foreclosure Allowance for credit losses, Provision Represents the monetary amount of Allowance for credit losses, Provision, during the indicated time period. Available-for-sale Securities, Amortized Cost Basis Held-to-maturity Securities, Unrecognized Holding Loss Held-to-maturity Securities, Unrecognized Holding Loss Details Schedule of Quarterly Financial Information Gain (Loss) on Investments {1} Gain (Loss) on Investments Fixed Maturities Concentration of Credit Risk Earnings Per Common Share Future Life, Annuity and Other Policy Benefits Use of Estimates Basis of Presentation Note 16: Fair Value of Financial Instruments Note 10: Retirement Plans Net change in cash and cash equivalents Net change in cash and cash equivalents Cash received from reinsurance Represents the monetary amount of CashReceivedFromReinsurance, during the indicated time period. Disposal of property and equipment Payments received for mortgage, policy, and other investments Amount received for perpetual care trusts Represents the monetary amount of AmountReceivedForPerpetualCareTrusts, during the indicated time period. Benefit plans funded with treasury stock Provision for deferred and other income taxes Depreciation Reverse stock true-up Represents the monetary amount of Reverse stock true-up, during the indicated time period. Weighted average Class A equivalent common shares outstanding-assuming dilution (1) Preferred Stock Par Value Total investments Entity Common Stock, Shares Outstanding Class A Common Stock Late fees Contractual Servicing Fees Net unrealized gains (losses) before taxes Represents the monetary amount of Net unrealized gains (losses) before taxes, as of the indicated date. Obligations, Fair Value Disclosure Policyholder account balances Represents the monetary amount of Policyholder account balances, as of the indicated date. Fair Value, Measurements, Fair Value Hierarchy Other General Expense Death and other policy benefits Represents the monetary amount of Death and other policy benefits, during the indicated time period. TransWesternLifeInsuranceCompanyMember Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant Net Earnings (Loss) Represents the monetary amount of Net Earnings (Loss), during the indicated time period. Deferred Tax, Basis difference in property and equipment Represents the monetary amount of Deferred Tax, Basis difference in property and equipment, as of the indicated date. Deferred Tax Deferred Compensation Represents the monetary amount of Deferred Tax Deferred Compensation, as of the indicated date. MarkToMarketOfInterestRateSwapsMember Property, Plant and Equipment, Type [Axis] Allowance for Doubtful Accounts Receivable Allowance for Doubtful Accounts Receivable Receivables from sales agents Represents the monetary amount of Receivables from sales agents, as of the indicated date. Loan loss reserve, Charge-offs and settlements Loan loss reserve, Charge-offs and settlements Represents the monetary amount of Loan loss reserve, Charge-offs, as of the indicated date. Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance Past due 30 to 59 days Residential Real Estate 1 Securities on deposit for regulatory authorities Represents the monetary amount of Securities on deposit for regulatory authorities, as of the indicated date. Other investments Real Estate Net realized gain related to sales of securities Represents the monetary amount of Net realized gain related to sales of securities, during the indicated time period. DueAfter2026Member Allowance for doubtful accounts Represents the monetary amount of Allowance for doubtful accounts, as of the indicated date. Goodwill and Intangible Assets Disclosure Equity Securities Reinsurance Note 19: Acquisitions Represents the textual narrative disclosure of Note 19: Acquisitions, during the indicated time period. Note 13: Statutory Financial Information and Dividend Limitations Note 12: Stock Compensation Plans Note 9: Reinsurance, Commitments and Contingencies Interest (net of amount capitalized) Annuity contract receipts Cash flows from operating activities: Balance Balance Balance Statement, Equity Components [Axis] Cost of goods and services sold - mortuaries and cemeteries Depreciation on property and equipment Common Stock Par Value Allowance for doubtful accounts on policy and other loans Mortgage servicing rights, net Represents the monetary amount of Mortgage servicing rights, net, as of the indicated date. Restricted assets Amendment Description Statement [Line Items] Products and Services OtherLoansMember PropertyAndEquipmentMember Tax (expense) benefit Represents the monetary amount of Tax (expense) benefit, as of the indicated date. BankAndOtherLoansPayable1Member Real estate held for investment Represents the monetary amount of Real estate held for investment, as of the indicated date. Interest Rate Lock Commitments Administrative costs, intersegment Represents the monetary amount of Administrative costs, intersegment, during the indicated time period. Significant Reconciling Items Employee Stock Ownership Plan (ESOP), Shares in ESOP Federal Income Tax Expense (Benefit), Continuing Operations Deferred Taxes Increase In The Valuation Allowance Represents the monetary amount of Deferred Taxes Increase In The Valuation Allowance, during the indicated time period. Income Tax Liability Represents the monetary amount of Income Tax Liability, as of the indicated date. EquitySecurities1Member Other Receivables Internal Credit Assessment [Axis] Past due 60 to 89 days Gains and losses and other than temporary impairments from investments and other assets Represents the monetary amount of Gains and losses and other than temporary impairments from investments and other assets, during the indicated time period. Gross Realized Losses Gross Realized Losses Represents the monetary amount of Gross Realized Losses, during the indicated time period. Promissory notes Represents the monetary amount of Promissory notes, as of the indicated date. AvailableForSaleSecuritiesEstimatedFairValue Represents the monetary amount of AvailableForSaleSecuritiesEstimatedFairValue, as of the indicated date. Financial Instrument [Axis] Schedule of combined maturities of bank loans payable, lines of credit and notes and contracts payable Represents the textual narrative disclosure of Schedule of combined maturities of bank loans payable, lines of credit and notes and contracts payable, during the indicated time period. Schedule of loan loss reserve which is included in other liabilities and accrued expenses Represents the textual narrative disclosure of Schedule of loan loss reserve which is included in other liabilities and accrued expenses, during the indicated time period. Scenario, Unspecified Allowance For Doubtful Accounts and Loan Losses and Impaired Loans Restricted Assets Represents the textual narrative disclosure of Restricted Assets, during the indicated time period. Note 14: Business Segment Information Notes Cash and cash equivalents at beginning of year Cash and cash equivalents at beginning of year Cash and cash equivalents at end of year Policy and pre-need acquisition costs deferred Grant of stock options Represents the monetary amount of Grant of stock options, during the indicated time period. Liabilities {1} Liabilities Deferred policy and pre-need contract acquisition costs Preferred Stock Balance Sheet Document Fiscal Period Focus Entity Voluntary Filers Class of Stock Fair Value of Liability Derivatives, Interest Rate Swaps Represents the monetary amount of Fair Value of Liability Derivatives, Interest Rate Swaps, as of the indicated date. Fair Value of Liability Derivatives, Put Options Represents the monetary amount of Fair Value of Liability Derivatives, Put Options, as of the indicated date. Estimated Carrying Value Represents the monetary amount of Estimated Carrying Value, as of the indicated date. Policyholder Account Balances Non-redeemable preferred stock Represents the monetary amount of Non-redeemable preferred stock, as of the indicated date. Assets, Fair Value Disclosure, Recurring Expenditures for long-lived assets Represents the monetary amount of Expenditures for long-lived assets, as of the indicated date. Interest Expense, Other Deferred Compensation Arrangement with Individual, Recorded Liability Present value of anticipated benefits Represents the monetary amount of Present value of anticipated benefits, during the indicated time period. Plan Name Employee Stock Ownership Plan (ESOP), Plan Description Reserve related to Insurance programs Represents the monetary amount of Reserve related to Insurance programs, as of the indicated date. Operating Leases, Future Minimum Payments Due Operating Leases, Future Minimum Payments, Due in Five Years Operating Leases, Future Minimum Payments, Due in Three Years Deferred Tax, Trusts Represents the monetary amount of Deferred Tax, Trusts, as of the indicated date. ParticipatingInMortgageLoansWithSecurityNationalLifeMember Line of Credit Facility, Collateral N0625ANotePayableMember Loans Payable [Axis] DueInNextYearMember Mortgage Loans, Net Represents the monetary amount of Mortgage Loans, Net, during the indicated time period. Range UtahMember Net Investment Income Less than 12 months HeldToMaturitySecuritiesEstimatedFairValue Represents the monetary amount of HeldToMaturitySecuritiesEstimatedFairValue, as of the indicated date. US States and Political Subdivisions Debt Securities Business Acquisition, Pro Forma Information First Guaranty Insurance Company Accumulated Balances of Other Comprehensive Income Represents the textual narrative disclosure of Accumulated Balances of Other Comprehensive Income, during the indicated time period. Schedule of Future Minimum Rental Payments for Operating Leases Summary of Income Tax Liability Represents the textual narrative disclosure of Summary of Income Tax Liability, during the indicated time period. Summary of Bank Loans Payable Represents the textual narrative disclosure of Summary of Bank Loans Payable, during the indicated time period. Cemetery Land and Improvements Represents the textual narrative disclosure of Cemetery Land and Improvements, during the indicated time period. Policies Note 6: Bank and Other Loans Payable Note 5: Property and Equipment Repayment of bank and other loans payable Repayment of bank and other loans payable Net gains on loans sold Stock based compensation expense Amortization of mortgage servicing rights Adjustments to reconcile net earnings to net cash provided by (used in) operating activities: Provision for loan loss reserve Other income Net mortuary and cemetery sales Common Stock: Other liabilities and accrued expenses Accounts payable Deferred pre-need cemetery and mortuary contract revenues Cemetery perpetual care trust investments Represents the monetary amount of Cemetery perpetual care trust investments, as of the indicated date. Document Type Statement [Table] Discount Rate Business Acquisition, Pro Forma Net Income (Loss) Business Acquisition Purchase Price Allocation [Axis] Gain (Loss) on Derivatives, Total Represents the monetary amount of Gain (Loss) on Derivatives, Total, during the indicated time period. Increase (Decrease) in Unrealized gains (losses) on derivative bank loan interest rate swaps Represents the monetary amount of Increase (Decrease) in Unrealized gains (losses) on derivative bank loan interest rate swaps, during the indicated time period. Purchases Represents the monetary amount of Purchases, during the indicated time period. Derivatives - bank loan interest rate swaps Represents the monetary amount of Derivatives - bank loan interest rate swaps, as of the indicated date. Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number Weighted Average Number of Shares Outstanding, Basic and Diluted Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount Tax on unrealized appreciation Represents the monetary amount of Tax on unrealized appreciation, as of the indicated date. Deferred Tax, Future policy benefits Represents the monetary amount of Deferred Tax, Future policy benefits, as of the indicated date. Debt Instrument, Interest Rate, Effective Percentage InterestRateSwapInstrumentMember OtherNotesPayable1Member Value of business acquired - net amortization charged to income Value of business acquired - net amortization charged to income Represents the monetary amount of Value of business acquired - net amortization charged to income, during the indicated time period. Mortgage loans on real estate balances, net of allowance for losses Represents the monetary amount of Mortgage loans on real estate balances, net of allowance for losses, as of the indicated date. OregonMember ArizonaMember Investment Type [Axis] Restricted Assets {1} Restricted Assets Investment Income, Investment Expense Investment Income, Investment Expense No. of Investment Positions Represents the pure numeric value of No. of Investment Positions, as of the indicated date. More than 12 months The Company's Performing and Non-performing Mortgage Loans Were As Follows: Represents the textual narrative disclosure of The Company's Performing and Non-performing Mortgage Loans Were As Follows:, during the indicated time period. The Following Is A Summary of The Allowance For Loan Losses As A Contra-asset Account For The Periods Presented: Represents the textual narrative disclosure of The Following Is A Summary of The Allowance For Loan Losses As A Contra-asset Account For The Periods Presented:, during the indicated time period. Major Types of Debt and Equity Securities Note 17: Accumulated Other Comprehensive Income Note 2: Investments Net cash provided by (used in) investing activities Net cash provided by (used in) investing activities Calls and maturities - fixed maturity securities Change in assets and liabilities: Purchase of treasury stock Balance at January 1, 2014 (As Restated) Represents the Balance at January 1, 2014 (As Restated) (number of shares), during the indicated time period. 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Document and Entity Information - USD ($)
12 Months Ended
Dec. 31, 2016
Mar. 27, 2017
Jun. 30, 2016
Entity Registrant Name SECURITY NATIONAL FINANCIAL CORP    
Document Type 10-K    
Document Period End Date Dec. 31, 2016    
Trading Symbol snfca    
Amendment Flag true    
Amendment Description 1    
Entity Central Index Key 0000318673    
Current Fiscal Year End Date --12-31    
Entity Public Float     $ 22,000,000
Entity Filer Category Smaller Reporting Company    
Entity Current Reporting Status Yes    
Entity Voluntary Filers No    
Entity Well-known Seasoned Issuer No    
Document Fiscal Year Focus 2016    
Document Fiscal Period Focus FY    
Class A Common Stock      
Entity Common Stock, Shares Outstanding   13,820,079  
Class C Common Stock      
Entity Common Stock, Shares Outstanding   1,901,624  
XML 17 R2.htm IDEA: XBRL DOCUMENT v3.7.0.1
Balance Sheet - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Investments:    
Fixed maturity securities, held to maturity, at amortized cost $ 184,979,644 $ 145,558,425
Equity securities, available for sale, at estimated fair value 10,573,356 8,431,090
Mortgage loans on real estate and construction loans held for investment, net of allowances for loan losses of $1,748,783 and $1,848,120 for 2016 and 2015 149,181,578 112,546,905
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 145,165,921 114,852,432
Policy loans and other investments, net of allowances for doubtful accounts of $1,119,630 and $906,616 for 2016 and 2015 40,937,146 39,582,421
Short-term investments 27,560,040 16,915,808
Accrued investment income 2,972,596 2,553,819
Total investments 561,370,281 440,440,900
Cash and cash equivalents 38,987,430 40,053,242
Loans held for sale 189,139,832 211,453,006
Receivables, net 6,373,364 6,060,994
Restricted assets 10,391,394 9,359,802
Cemetery perpetual care trust investments 4,131,885 2,848,759
Receivable from reinsurers 13,079,668 13,400,527
Cemetery land and improvements 10,672,836 10,780,996
Deferred policy and pre-need contract acquisition costs 69,118,745 59,004,909
Mortgage servicing rights, net 18,872,362 12,679,755
Property and equipment, net 8,791,522 11,441,660
Value of business acquired 7,570,300 8,743,773
Goodwill 2,765,570 2,765,570
Other assets 10,413,394 11,439,273
Total Assets 951,678,583 840,473,166
Liabilities    
Future life, annuity, and other benefits 584,067,692 515,789,254
Unearned premium reserve 4,469,771 4,737,305
Bank and other loans payable 152,140,679 131,005,614
Deferred pre-need cemetery and mortuary contract revenues 12,360,249 12,816,227
Cemetery perpetual care obligation 3,598,580 3,465,771
Accounts payable 4,213,109 3,502,046
Other liabilities and accrued expenses 33,950,503 31,027,381
Income taxes 24,318,869 20,412,889
Total liabilities 819,119,452 722,756,487
Common Stock:    
Additional paid-in capital 34,813,246 30,232,582
Accumulated other comprehensive income, net of taxes 264,822 (499,358)
Retained earnings 67,409,204 60,525,404
Treasury stock, at cost - 704,122 Class A shares and -0- Class C shares in 2016; 930,546 Class A shares and -0- Class C shares in 2015 (1,370,611) (2,179,429)
Total stockholders' equity 132,559,131 117,716,679
Total Liabilities and Stockholders' Equity 951,678,583 840,473,166
Class A Common Stock    
Common Stock:    
Common stock 27,638,012 26,218,200
Class B Common Stock    
Common Stock:    
Common stock
Class C Common Stock    
Common Stock:    
Common stock 3,804,458 3,419,280
Preferred Stock    
Preferred Stock:    
Preferred stock
XML 18 R3.htm IDEA: XBRL DOCUMENT v3.7.0.1
Balance Sheet Parenthetical - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Allowance for losses on mortgage loans on real estate and construction loans, held for investment $ 1,748,783 $ 1,848,120
Accumulated depreciation on real estate held for investment 16,138,439 12,210,346
Allowance for doubtful accounts on policy and other loans $ 1,119,630 $ 906,616
Preferred Stock Par Value $ 1.00 $ 1.00
Preferred Stock Authorized 5,000,000 5,000,000
Class A Common Stock    
Common Stock Par Value $ 2.00 $ 2.00
Common Stock Authorized 20,000,000 20,000,000
Common Stock Issued 13,819,006 13,109,100
Treasury Stock 704,122 930,546
Class B Common Stock    
Common Stock Par Value $ 1.00 $ 1.00
Common Stock Authorized 5,000,000 5,000,000
Common Stock Issued
Common Stock Outstanding
Class C Common Stock    
Common Stock Par Value $ 2.00 $ 2.00
Common Stock Authorized 3,000,000 3,000,000
Common Stock Issued 1,902,229 1,709,640
XML 19 R4.htm IDEA: XBRL DOCUMENT v3.7.0.1
Income Statement - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Revenues:      
Insurance premiums and other considerations $ 64,501,017 $ 56,409,863 $ 53,008,679
Net investment income 37,582,444 34,007,904 28,303,740
Net mortuary and cemetery sales 12,267,640 11,502,045 11,426,308
Realized gains on investments and other assets (176,387) 2,401,359 1,918,176
Other than temporary impairments (270,358) (605,430) (164,240)
Mortgage fee income 183,542,796 171,517,284 126,807,473
Other income 6,887,749 5,121,807 3,747,013
Total revenues 304,334,901 280,354,832 225,047,149
Benefits and expenses:      
Death benefits 31,033,222 31,158,281 27,100,278
Surrenders and other policy benefits 2,354,158 2,391,612 2,689,686
Increase in future policy benefits 21,322,195 17,057,764 17,905,914
Amortization of deferred policy and pre-need acquisition costs and value of business acquired 8,003,175 5,641,293 6,892,978
Selling, general and administrative expenses:      
Commissions 88,634,494 80,900,618 59,374,542
Personnel 70,254,479 60,860,275 49,360,406
Advertising 6,425,277 5,730,197 4,584,436
Rent and rent related 8,061,598 7,850,776 6,135,876
Depreciation on property and equipment 2,182,724 2,183,496 2,177,165
Provision for loan loss reserve 1,700,000 3,449,103 1,000,000
Costs related to funding mortgage loans 9,191,488 8,901,511 6,451,319
Other expenses 28,569,949 26,954,378 22,800,066
Interest expense 5,111,868 4,458,612 2,994,429
Cost of goods and services sold - mortuaries and cemeteries 1,787,043 1,803,444 1,853,103
Total benefits and expenses 284,631,670 259,341,360 211,320,198
Earnings before income taxes 19,703,231 21,013,472 13,726,951
Income tax expense (7,514,604) (7,662,031) (5,510,119)
Net earnings $ 12,188,627 $ 13,351,441 $ 8,216,832
Net earnings per Class A Equivalent common share (1) $ 0.82 $ 0.92 $ 0.59
Net earnings per Class A equivalent common share - assuming dilution(1) $ 0.81 $ 0.89 $ 0.57
Weighted average Class A equivalent common shares outstanding (1) 14,806,290 14,439,274 13,893,260
Weighted average Class A equivalent common shares outstanding-assuming dilution (1) 15,127,204 14,951,833 14,344,475
XML 20 R5.htm IDEA: XBRL DOCUMENT v3.7.0.1
Comprehensive Income Statement - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Comprehensive Income Statement      
Net earnings $ 12,188,627 $ 13,351,441 $ 8,216,832
Changes in:      
Net unrealized gains on derivative instruments 6,490 10,628 16,433
Net unrealized gains (losses) on available for sale securities 757,690 (771,343) (65,848)
Other comprehensive gain (loss) 764,180 (760,715) (49,415)
Comprehensive income $ 12,952,807 $ 12,590,726 $ 8,167,417
XML 21 R6.htm IDEA: XBRL DOCUMENT v3.7.0.1
Statements of Stockholders' Equity - USD ($)
Class A Common Stock
Class C Common Stock
Additional Paid-in Capital
Accumulated Other Comprehensive Income (Loss)
Retained Earnings
Treasury Stock
Total
Balance at Dec. 31, 2013 $ 23,614,574 $ 2,660,382 $ 23,215,875 $ 310,772 $ 40,574,211 $ (2,624,625) $ 87,751,189
Prior period adjustment         $ 6,405,271   $ 6,405,271
Balance at January 1, 2014 (As Restated) 23,614,574 2,660,382 23,215,875 310,772 46,979,482 (2,624,625) 94,156,460
Other comprehensive income       $ (49,415)     $ (49,415)
Grant of stock options     $ 391,220       391,220
Reverse stock true-up   $ 30     $ (30)    
Exercise of stock options $ 108,824   (34,800)       74,024
Sale of treasury stock     361,679     $ 538,171 899,850
Stock Dividends 1,190,040 132,767 1,997,147   (3,319,954)    
Conversion Class C to Class A 5,042 (5,041) (2)   1    
Net earnings         8,216,832   8,216,832
Balance at Dec. 31, 2014 24,918,480 2,788,138 25,931,119 261,357 51,876,331 (2,086,454) 103,688,971
Other comprehensive income       (760,715)     (760,715)
Grant of stock options     387,608       387,608
Exercise of stock options 47,922 483,304 (55,717)     (441,832) 33,677
Sale of treasury stock     666,840     530,396 1,197,236
Purchase of treasury stock           (181,539) (181,539)
Stock Dividends 1,248,966 150,670 3,302,732   (4,702,368)    
Conversion Class C to Class A 2,832 (2,832)          
Net earnings         13,351,441   13,351,441
Balance at Dec. 31, 2015 26,218,200 3,419,280 30,232,582 (499,358) 60,525,404 (2,179,429) 117,716,679
Other comprehensive income       764,180     764,180
Grant of stock options     343,577       343,577
Exercise of stock options 85,268 209,950 (179,112)       116,106
Sale of treasury stock     621,144     808,818 1,429,962
Stock Dividends 1,315,838 193,934 3,795,055   (5,304,827)    
Conversion Class C to Class A 18,706 (18,706)          
Net earnings         12,188,627   12,188,627
Balance at Dec. 31, 2016 $ 27,638,012 $ 3,804,458 $ 34,813,246 $ 264,822 $ 67,409,204 $ (1,370,611) $ 132,559,131
XML 22 R7.htm IDEA: XBRL DOCUMENT v3.7.0.1
Statement of Cash Flows - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Cash flows from operating activities:      
Net earnings $ 12,188,627 $ 13,351,441 $ 8,216,832
Adjustments to reconcile net earnings to net cash provided by (used in) operating activities:      
Realized losses (gains) on investments and other assets 176,387 (2,401,359) (1,918,176)
Other than temporary impairments 270,358 605,430 164,240
Depreciation 5,579,259 5,023,985 4,389,472
Provision for loan losses and doubtful accounts 1,188,599 524,237 743,386
Amortization of premiums and discounts 653,761 269,681 238,687
Provision for deferred and other income taxes 6,130,644 4,826,010 3,856,456
Policy and pre-need acquisition costs deferred (16,943,538) (13,061,573) (10,159,895)
Policy and pre-need acquisition costs amortized 6,829,702 4,364,167 5,590,332
Value of business acquired amortized 1,173,473 1,277,126 1,302,646
Servicing asset at amortized cost, additions (8,603,154) (6,217,551) (3,741,381)
Amortization of mortgage servicing rights 2,410,547 1,372,543 750,735
Stock based compensation expense 343,577 387,608 391,220
Benefit plans funded with treasury stock 1,429,962 1,197,236 899,850
Loans originated for sale (3,098,710,299) (2,861,404,239) (2,044,909,613)
Proceeds from loans sold 3,246,127,714 2,933,300,742 2,102,740,825
Net gains on loans sold (137,682,984) (131,130,447) (93,144,155)
Change in assets and liabilities:      
Land and improvements held for sale 108,160 67,089 (216,512)
Future life and other benefits 17,989,595 15,078,397 13,930,657
Other operating assets and liabilities (5,125,376) 4,456,090 (1,589,164)
Net cash provided by (used in) operating activities 35,535,014 (28,113,387) (12,463,558)
Securities held to maturity:      
Purchase - fixed maturity securities (11,386,383) (22,604,453) (3,449,187)
Calls and maturities - fixed maturity securities 15,343,488 11,952,402 11,850,864
Securities available for sale:      
Purchase - equity securities (4,980,320) (9,336,175) (5,996,993)
Sales - equity securities 4,523,034 6,559,555 3,851,664
Purchases of short-term investments (18,228,912) (47,160,050) (18,587,022)
Sales of short-term investments 12,943,083 57,188,522 3,663,246
Sales (purchases) of restricted assets (981,433) (40,763) (2,628,764)
Change in assets for perpetual care trusts (1,215,778) (267,717) (230,921)
Amount received for perpetual care trusts 132,809 59,053 140,587
Mortgage, policy, and other investments made (469,593,661) (372,334,883) (286,974,069)
Payments received for mortgage, policy, and other investments 446,242,429 371,254,833 267,763,998
Purchases of property and equipment (3,566,511) (3,632,690) (1,520,443)
Disposal of property and equipment 47,293 2,899,322 894,805
Purchases of real estate held for investment (26,634,840) (16,725,475) (19,317,567)
Sale of real estate held for investment 6,093,308 13,540,913 7,269,475
Cash received from reinsurance   24,020,215 13,553,864
Cash paid for purchase of subsidiaries, net of cash acquired (4,328,520)   (15,011,193)
Net cash provided by (used in) investing activities (55,590,914) 15,372,609 (44,727,656)
Cash flows from financing activities:      
Annuity contract receipts 11,349,276 10,172,170 10,051,662
Annuity contract withdrawals (13,620,998) (12,273,707) (14,519,563)
Proceeds from stock options exercised 116,106 33,677 74,024
Purchase of treasury stock   (181,539)  
Repayment of bank and other loans payable (1,680,678) (1,967,197) (2,357,468)
Proceeds from bank borrowings 14,500,950 13,873,157 13,115,348
Net change in warehouse line borrowings 8,325,432 12,282,139 43,479,367
Net cash provided by financing activities 18,990,088 21,938,700 49,843,370
Net change in cash and cash equivalents (1,065,812) 9,197,922 (7,347,844)
Cash and cash equivalents at beginning of year 40,053,242 30,855,320 38,203,164
Cash and cash equivalents at end of year 38,987,430 40,053,242 30,855,320
Cash paid during the year for:      
Interest (net of amount capitalized) 5,119,459 4,347,062 2,901,492
Income taxes 2,667,918 2,716,161 408,939
Non Cash Investing and Financing Activities:      
Transfer of loans held for sale to mortgage loans held for investment 12,578,743   2,282,899
Accrued real estate construction costs and retainage 7,358,922    
Mortgage loans foreclosed into real estate $ 2,075,714 $ 3,246,712 $ 981,820
XML 23 R8.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies
12 Months Ended
Dec. 31, 2016
Notes  
Note 1: Significant Accounting Policies

1)         Significant Accounting Policies

 

General Overview of Business

 

Security National Financial Corporation and its wholly owned subsidiaries (the “Company”) operate in three main business segments: life insurance, cemetery and mortuary, and mortgages. The life insurance segment is engaged in the business of selling and servicing selected lines of life insurance, annuity products and accident and health insurance marketed primarily in the intermountain west, California and eleven southern states. The cemetery and mortuary segment of the Company consists of eight mortuaries and five cemeteries in Utah and one cemetery in California. The mortgage segment is an approved government and conventional lender that originates and underwrites residential and commercial loans for new construction, existing homes and real estate projects primarily in Florida, Nevada, Texas, and Utah.

 

Basis of Presentation

 

The accompanying consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP). The presentation of certain amounts in prior years has been reclassified to conform to the 2016 presentation.

 

Principles of Consolidation

 

These consolidated financial statements include the financial statements of the Company and its majority owned subsidiaries. All intercompany transactions and accounts have been eliminated in consolidation.

 

Use of Estimates

 

Management of the Company has made a number of estimates and assumptions related to the reported amounts of assets and liabilities, reported amounts of revenues and expenses, and the disclosure of contingent assets and liabilities to prepare these financial statements in conformity with generally accepted accounting principles. Actual results could differ from those estimates.

 

Material estimates that are particularly susceptible to significant changes in the near term are those used in determining the value of derivative assets and liabilities, those used in determining deferred acquisition costs and the value of business acquired, those used in determining the value of mortgage loans foreclosed to real estate held for investment, those used in determining the liability for future policy benefits and unearned revenue, those used in determining the estimated future costs for pre-need sales, those used in determining the value of mortgage servicing rights, those used in determining allowances for loan losses for mortgage loans on real estate, those used in determining loan loss reserve, and those used in determining deferred tax assets and liabilities. Although some variability is inherent in these estimates, management believes the amounts provided are fairly stated in all material respects.

 

Investments

 

The Company’s management determines the appropriate classifications of investments in fixed maturity securities and equity securities at the acquisition date and re-evaluates the classifications at each balance sheet date.

 

Fixed maturity securities held to maturity are carried at cost, adjusted for amortization of premium or accretion of discount. Although the Company has the ability and intent to hold these investments to maturity, infrequent and unusual conditions could occur under which it would sell certain of these securities. Those conditions include unforeseen changes in asset quality, significant changes in tax laws, and changes in regulatory capital requirements or permissible investments.

 

Equity securities available for sale are carried at estimated fair value. Changes in fair values net of income taxes are reported as unrealized appreciation or depreciation and recorded as an adjustment directly to stockholders’ equity and, accordingly, have no effect on net income.

 

Mortgage loans on real estate and construction loans held for investment are carried at their unpaid principal balances adjusted for charge-offs and the related allowance for loan losses. The Company defers related material loan origination fees, net of related direct loan origination costs, and amortizes the net fees over the term of the loans.

 

Mortgage loans are collateral dependent and require an appraisal at the time of underwriting and funding.  Generally, the Company will fund a loan not to exceed 80% of the loan’s collateral fair market value.  Amounts over 80% will require additional collateral or mortgage insurance by an approved third party insurer.  Once a loan is deemed to be impaired the Company will review the market value of the collateral and provide an allowance for any impairment.

 

Real estate held for investment is carried at cost, less accumulated depreciation provided on a straight line basis over the estimated useful lives of the properties, or is adjusted to a new basis for impairment in value, if any. Included are foreclosed properties which the Company intends to hold for investment purposes.  These properties are recorded at the lower of cost or fair value upon foreclosure.

 

Policy loans and other investments are carried at the aggregate unpaid balances, less allowances for possible losses.

 

Short-term investments are carried at cost and consist of certificates of deposit and commercial paper with maturities of up to one year.

 

Realized gains and losses on investments arise when investments are sold (as determined on a specific identification basis) or are other-than-temporarily impaired. If in management’s judgment a decline in the value of an investment below cost is other-than-temporary, the cost of the investment is written down to fair value with a corresponding charge to earnings. Factors considered in judging whether an impairment is other-than-temporary include: the financial condition, business prospects and credit worthiness of the issuer, the length of time that fair value has been less than cost, the relative amount of the decline, and the Company’s ability and intent to hold the investment until the fair value recovers, which is not assured.

 

Cash and Cash Equivalents

 

For purposes of the statement of cash flows, the Company considers all highly liquid debt instruments purchased with an original maturity of three months or less to be cash equivalents. The Company maintains its cash in bank deposit accounts, which at times exceed federally insured limits. The Company has not experienced any losses in such accounts and believes it is not exposed to any significant credit risk on cash and cash equivalents.

 

Loans Held for Sale

 

Loans held for sale are carried at the lower of cost or market and include the amounts due from third party investors. Loans held for sale are also shown net of direct selling revenues and costs. Based on the short-term nature of these assets, the Company has no related allowance for loan losses recorded for these assets.

 

Restricted Assets

 

Restricted assets are assets held in a trust account for future mortuary services and merchandise and consist of cash; participations in mortgage loans with Security National Life; mutual funds carried at cost; equity securities carried at fair market value; and a surplus note with Security National Life. Restricted cash also represents escrows held for borrowers and investors under servicing and appraisal agreements relating to mortgage loans, funds held by warehouse banks in accordance with loan purchase agreements and funds held in escrow for certain real estate construction development projects. Additionally, the Company elected to fund its medical benefit safe-harbor limit based on 35 percent of the qualified direct costs for the preceding year, and has included this amount as a component of restricted cash.

 

Cemetery Perpetual Care Trust Investments

 

Cemetery endowment care trusts have been set up for four of the six cemeteries owned by the Company. Of the six cemeteries owned by the Company, four cemeteries are endowment care properties. Under endowment care arrangements a portion of the price for each lot sold is withheld and invested in a portfolio of investments similar to those described in the prior paragraph. The earnings stream from the investments is designed to fund future maintenance and upkeep of the cemetery.

 

Cemetery Land and Improvements

 

The development of a cemetery involves not only the initial acquisition of raw land but the installation of roads, water lines, landscaping and other costs to establish a marketable cemetery lot. The costs of developing the cemetery are shown as an asset on the balance sheet. The amount on the balance sheet is reduced by the total cost assigned to the development of a particular lot when the criterion for recognizing a sale of that lot is met.

 

Property and Equipment

 

Property and equipment are recorded at cost. Depreciation is calculated principally on the straight-line method over the estimated useful lives of the assets which range from three to forty years. Leasehold improvements are amortized over the lesser of the useful life or remaining lease terms.

 

Recognition of Insurance Premiums and Other Considerations

 

Premiums and other consideration for traditional life insurance products (which include those products with fixed and guaranteed premiums and benefits and consist principally of whole life insurance policies, limited payment life insurance policies, and certain annuities with life contingencies) are recognized as revenues when due from policyholders. Premiums and other consideration for interest-sensitive insurance policies (which include universal life policies, interest-sensitive life policies, deferred annuities, and annuities without life contingencies) are recognized when earned and consist of amounts assessed against policyholder account balances during the period for policy administration charges and surrender charges.

 

Deferred Policy Acquisition Costs and Value of Business Acquired

 

Commissions and other costs, net of commission and expense allowances for reinsurance ceded, that vary with and are primarily related to the production of new insurance business have been deferred. Deferred policy acquisition costs (“DAC”) for traditional life insurance are amortized over the premium paying period of the related policies using assumptions consistent with those used in computing policy benefit reserves. For interest-sensitive insurance products, deferred policy acquisition costs are amortized generally in proportion to the present value of expected gross profits from surrender charges, investment, mortality and expense margins. This amortization is adjusted when estimates of current or future gross profits to be realized from a group of products are reevaluated. Deferred acquisition costs are written off when policies lapse or are surrendered.

 

The Company follows accounting principles generally accepted in the United States of America when accounting for DAC on internal replacements of insurance and investment contracts. An internal replacement is a modification in product benefits, features, rights or coverage that occurs by the exchange of a contract for a new contract, or by amendment, endorsement, or rider to contract, or by the election of a feature or coverage within a contract. Modifications that result in a replacement contract that is substantially changed from the replaced contract are accounted for as an extinguishment of the replaced contract. Unamortized DAC, unearned revenue liabilities and deferred sales inducements from the replaced contract are written-off. Modifications that result in a contract that is substantially unchanged from the replaced contract are accounted for as a continuation of the replaced contract.

 

Value of business acquired is the present value of estimated future profits of the acquired business and is amortized similar to deferred policy acquisition costs.

 

Mortgage Servicing Rights

 

Mortgage Service Rights (MSR) arise from contractual agreements between the Company and third-party investors (or their agents) when mortgage loans are sold. Under these contracts, the Company is obligated to retain and provide loan servicing functions on loans sold, in exchange for fees and other remuneration. The servicing functions typically performed include, among other responsibilities, collecting and remitting loan payments; responding to borrower inquiries; accounting for principal and interest, holding custodial (impound) funds for payment of property taxes and insurance premiums; counseling delinquent mortgagors; and supervising the acquisition of real estate owned and property dispositions.

 

The total residential mortgage loans serviced for others consist primarily of agency conforming fixed-rate mortgage loans.  The value of MSRs is derived from the net cash flows associated with the servicing contracts. The Company receives a servicing fee of generally about 0.250% annually on the remaining outstanding principal balances of the loans. Based on the result of the cash flow analysis, an asset or liability is recorded for mortgage servicing rights. The servicing fees are collected from the monthly payments made by the mortgagors. The Company generally receives other remuneration including rights to various mortgagor-contracted fees such as late charges, and collateral reconveyance charges and the Company is generally entitled to retain the interest earned on funds held pending remittance of mortgagor principal, interest, tax and insurance payments. Contractual servicing fees and late fees are included in other revenues on the Consolidated Statements of Earnings.

 

Interest rate risk, prepayment risk, and default risk are inherent risks in MSR valuation. Interest rate changes largely drive prepayment rates. Refinance activity generally increases as rates decline. A significant decrease in rates beyond expectation could cause a decline in the value of the MSR. On the contrary, if rates increase borrowers are less likely to refinance or prepay their mortgage, which extends the duration of the loan and MSR values are likely to rise. Because of these risks, discount rates and prepayment speeds are used to estimate the fair value.

 

The Company’s subsequent accounting for MSRs is based on the class of MSRs. The Company has identified two classes of MSRs: MSRs backed by mortgage loans with initial term of 30 years and MSRs backed by mortgage loans with initial term of 15 years. The Company distinguishes between these classes of MSRs due to their differing sensitivities to change in value as the result of changes in market. After being initially recorded at fair value, MSRs backed by mortgage loans are accounted for using the amortization method. MSR amortization is determined by amortizing the balance straight-line over an estimated seven and nine year life.

 

The Company periodically assesses MSRs for impairment. Impairment occurs when the current fair value of the MSR falls below the asset’s carrying value (carrying value is the amortized cost reduced by any related valuation allowance). If MSRs are impaired, the impairment is recognized in current-period earnings and the carrying value of the MSRs is adjusted through a valuation allowance.

 

Management periodically reviews the various loan strata to determine whether the value of the MSRs in a given stratum is impaired and likely to recover. When management deems recovery of the value to be unlikely in the foreseeable future, a write-down of the cost of the MSRs for that stratum to its estimated recoverable value is charged to the valuation allowance.

 

Derivative Instruments

 

Mortgage Banking Derivatives

 

Loan Commitments

 

The Company is exposed to price risk due to the potential impact of changes in interest rates on the values of loan commitments from the time a loan commitment is made to an applicant to the time the loan that would result from the exercise of that loan commitment is funded. Managing price risk is complicated by the fact that the ultimate percentage of loan commitments that will be exercised (i.e., the number of loans that will be funded) fluctuates. The probability that a loan will not be funded or the loan application is denied or withdrawn within the terms of the commitment is driven by a number of factors, particularly the change, if any, in mortgage rates following the issuance of the loan commitment.

 

In general, the probability of funding increases if mortgage rates rise and decreases if mortgage rates fall. This is due primarily to the relative attractiveness of current mortgage rates compared to the applicant’s committed rate. The probability that a loan will not be funded within the terms of the mortgage loan commitment also is influenced by the source of the applications (retail, broker or correspondent channels), proximity to rate lock expiration, purpose for the loan (purchase or refinance) product type and the application approval status. The Company has developed fallout estimates using historical data that take into account all of the variables, as well as renegotiations of rate and point commitments that tend to occur when mortgage rates fall. These fallout estimates are used to estimate the number of loans that the Company expects to be funded within the terms of the loan commitments and are updated periodically to reflect the most current data.

 

The Company estimates the fair value of a loan commitment based on the change in estimated fair value of the underlying mortgage loan, quoted MBS prices, estimates of the fair value of mortgage servicing rights, and an estimate of the probability that the mortgage loan will fund within the terms of the commitment net of estimated commission expense. The change in fair value of the underlying mortgage loan is measured from the date the loan commitment is issued and is shown net of expenses. Following issuance, the value of a loan commitment can be either positive or negative depending upon the change in value of the underlying mortgage loans.

 

Forward Sale Commitments

 

The Company utilizes forward commitments to economically hedge the price risk associated with its outstanding mortgage loan commitments. A forward commitment protects the Company from losses on sales of the loans arising from exercise of the loan commitments. Management expects these types of commitments will experience changes in fair value opposite to changes in fair value of the loan commitments, thereby reducing earnings volatility related to the recognition in earnings of changes in the values of the commitments.

 

The net changes in fair value of all loan commitments and forward sale commitments are shown in current earnings as a component of mortgage fee income.

 

Call and Put Options

 

The Company uses a strategy of selling “out of the money” call options on its available for sale equity securities as a source of revenue.  The options give the purchaser the right to buy from the Company specified equity securities at a set price up to a pre-determined date in the future.  The Company uses the strategy of selling put options as a means of generating cash or purchasing equity securities at lower than current market prices.  The Company receives an immediate payment of cash for the value of the option and establishes a liability for the fair value of the option.  The liability for options is adjusted to fair value at each reporting date. In the event an option is exercised, the Company recognizes a gain on the sale of the equity security and a gain on the sale of the option.  If the option expires unexercised, the Company recognizes a gain from the sale of the option.

 

Allowance for Doubtful Accounts and Loan Losses and Impaired Loans

 

The Company records an allowance and recognizes an expense for potential losses from mortgage loans, other loans and receivables in accordance with generally accepted accounting principles.

 

Receivables are the result of cemetery and mortuary operations, mortgage loan operations and life insurance operations. The allowance is based upon the Company’s historical experience for collectively evaluated impairment. Other allowances are based upon receivables individually evaluated for impairment. Collectability of the cemetery and mortuary receivables is significantly influenced by current economic conditions. The critical issues that impact recovery of mortgage loan operations are interest rate risk, loan underwriting, new regulations and the overall economy.

 

The Company provides allowances for losses on its mortgage loans held for investment through an allowance for loan losses. The allowance is comprised of two components. The first component is an allowance for collectively evaluated impairment that is based upon the Company’s historical experience in collecting similar receivables. The second component is based upon individual evaluation of loans that are determined to be impaired. Upon determining impairment, the Company establishes an individual impairment allowance based upon an assessment of the fair value of the underlying collateral. See the schedules in Note 2 for additional information. In addition, when a mortgage loan is past due more than 90 days, the Company does not accrue any interest income. When a loan becomes delinquent, the Company proceeds to foreclose on the real estate and all expenses for foreclosure are expensed as incurred. Once foreclosed, an adjustment for the lower of cost or fair value is made, if necessary, and the amount is classified as real estate held for investment. The Company will rent the properties until it is deemed desirable to sell them.

 

The allowance for losses on mortgage loans held for investment could change based on changes in the value of the underlying collateral, the performance status of the loans, or the Company’s actual collection experience. The actual losses could change, in the near term, from the established allowance, based upon the occurrence or non-occurrence of these events.

 

Loan Loss Reserve

 

The mortgage loan loss reserve is an estimate of probable losses at the balance sheet date that the Company will realize in the future on mortgage loans sold to third party investors.

 

The loan loss reserve analysis involves mortgage loans that have been sold to third party investors, which were believed to have met investor underwriting guidelines at the time of sale, where the Company has received a demand from the investor. There are generally three types of demands: make whole, repurchase, or indemnification. These types of demands are more particularly described as follows:

 

Make whole demand – A make whole demand occurs when an investor forecloses on a property and then sells the property. The make whole amount is calculated as the difference between the original unpaid principal balance, accrued interest and fees, less the sale proceeds.

 

Repurchase demand – A repurchase demand usually occurs when there is a significant payment default, error in underwriting or detected loan fraud.

 

Indemnification demand – On certain loans the Company has negotiated a set fee that is to be paid in lieu of repurchase. The fee varies by investor and by loan product type.

 

Additional information related to the Loan Loss Reserve is included in Note 2.

 

Future Life, Annuity and Other Policy Benefits

 

Future policy benefit reserves for traditional life insurance are computed using a net level method, including assumptions as to investment yields, mortality, morbidity, withdrawals, and other assumptions based on the life insurance subsidiaries’ experience, modified as necessary to give effect to anticipated trends and to include provisions for possible unfavorable deviations. Such liabilities are, for some plans, graded to equal statutory values or cash values at or prior to maturity. The range of assumed interest rates for all traditional life insurance policy reserves was 4.5% to 10%. Benefit reserves for traditional limited-payment life insurance policies include the deferred portion of the premiums received during the premium-paying period. Deferred premiums are recognized as income over the life of the policies. Policy benefit claims are charged to expense in the period the claims are incurred. Increases in future policy benefits are charged to expense.

 

Future policy benefit reserves for interest-sensitive insurance products are computed under a retrospective deposit method and represent policy account balances before applicable surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policy account balances. Interest crediting rates for interest-sensitive insurance products ranged from 3% to 6.5%.

 

Participating Insurance

 

Participating business constituted 2% of insurance in force for the years ended 2016, 2015 and 2014. The provision for policyholders’ dividends included in policyholder obligations is based on dividend scales anticipated by management. Amounts to be paid are determined by the Board of Directors.

 

Reinsurance

 

The Company follows the procedure of reinsuring risks in excess of $100,000 to provide for greater diversification of business to allow management to control exposure to potential losses arising from large risks, and provide additional capacity for growth. The Company remains liable for amounts ceded in the event the reinsurers are unable to meet their obligations.

 

The Company entered into coinsurance agreements with unaffiliated insurance companies under which the Company assumed 100% of the risk for certain life insurance policies and certain other policy-related liabilities of the insurance company.

 

Reinsurance premiums, commissions, expense reimbursements, and reserves related to reinsured business are accounted for on a basis consistent with those used in accounting for the original policies issued and the terms of the reinsurance contracts. Expense allowances received in connection with reinsurance ceded are accounted for as a reduction of the related policy acquisition costs and are deferred and amortized accordingly.

 

Pre-need Sales and Costs

 

Pre-need contract sales of funeral services and caskets - revenue and costs associated with the sales of pre-need funeral services and caskets are deferred until the services are performed or the caskets are delivered.

 

Sales of cemetery interment rights (cemetery burial property) - revenue and costs associated with the sale of cemetery interment rights are recognized in accordance with the retail land sales provisions based on GAAP. Under GAAP, recognition of revenue and associated costs from constructed cemetery property must be deferred until a minimum percentage of the sales price has been collected.

 

Pre-need contract sales of cemetery merchandise (primarily markers and vaults) - revenue and costs associated with the sale of pre-need cemetery merchandise is deferred until the merchandise is delivered. Pre-need contract sales of cemetery services (primarily merchandise delivery, installation fees and burial opening and closing fees) - revenue and costs associated with the sales of pre-need cemetery services are deferred until the services are performed.

 

Prearranged funeral and pre-need cemetery customer acquisition costs - costs incurred related to obtaining new pre-need contract cemetery and prearranged funeral services are accounted for under the guidance of the provisions based on GAAP. Obtaining costs, which include only costs that vary with and are primarily related to the acquisition of new pre-need cemetery and prearranged funeral services, are deferred until the merchandise is delivered or services are performed.

 

Revenues and costs for at need sales are recorded when a valid contract exists, the services are performed, collection is reasonably assured and there are no significant obligations remaining.

 

The Company, through its cemetery and mortuary operations, provides guaranteed funeral arrangements wherein a prospective customer can receive future goods and services at guaranteed prices. To accomplish this, the Company, through its life insurance operations, sells to the customer an increasing benefit life insurance policy that is assigned to the mortuaries. If, at the time of need, the policyholder/potential mortuary customer utilizes one of the Company’s facilities, the guaranteed funeral arrangement contract that has been assigned will provide the funeral goods and services at the contracted price. The increasing life insurance policy will cover the difference between the original contract prices and current prices. Risks may arise if the difference cannot be fully met by the life insurance policy. However, management believes that given current inflation rates and related price increases of goods and services, the risk of exposure is minimal.

 

Mortgage Fee Income

 

Mortgage fee income consists of origination fees, processing fees and certain other income related to the origination and sale of mortgage loans. For mortgage loans sold to third party investors, mortgage fee income and related expenses are recognized pursuant to GAAP at the time the sales of mortgage loans comply with the sales criteria for the transfer of financial assets, which are: (i) the transferred assets have been isolated from the Company and its creditors, (ii) the transferee has the right to pledge or exchange the mortgage, and (iii) the Company does not maintain effective control over the transferred mortgage.

 

The Company has determined that all three criteria are met at the time a loan is purchased from a third party investor. Until the loan is purchased, all direct selling revenues and costs are deferred.

 

The Company, through its mortgage subsidiaries, sells mortgage loans to third party investors without recourse. However, it may be required to repurchase a loan or pay a fee instead of repurchase under certain events, which include the following:

 

·         Failure to deliver original documents specified by the investor,

·         The existence of misrepresentation or fraud in the origination of the loan,

 

·         The loan becomes delinquent due to nonpayment during the first several months after it is sold,

·         Early pay-off of a loan, as defined by the agreements,

·         Excessive time to settle a loan,

·         Investor declines purchase, and

·         Discontinued product and expired commitment.

 

Loan purchase commitments generally specify a date 30 to 45 days after delivery upon which the underlying loans should be settled. Depending on market conditions, these commitment settlement dates can be extended at a cost to the Company.

 

It is the Company's policy to cure any documentation problems regarding such loans at a minimal cost for up to a six-month time period and to pursue efforts to enforce loan purchase commitments from third-party investors concerning the loans. The Company believes that six months allows adequate time to remedy any documentation issues, to enforce purchase commitments, and to exhaust other alternatives. Remedial methods include the following:

 

·         Research reasons for rejection,

·         Provide additional documents,

·         Request investor exceptions,

·         Appeal rejection decision to purchase committee, and

·         Commit to secondary investors.

 

Once purchase commitments have expired and other alternatives to remedy are exhausted, which could be earlier than the six-month time period, the loans are repurchased and transferred to the long-term investment portfolio at the lower of cost or fair value and previously recorded sales revenue that was to be received from a third-party investor is written off against the loan loss reserve. Any loan that later becomes delinquent is evaluated by the Company at that time and any impairment is adjusted accordingly.

 

Determining Lower of Cost or Market

 

Cost is equal to the amount paid to the warehouse bank and the amount originally funded by the Company. Market value is often difficult to determine, but is based on the following:

 

·         For loans that have an active market the Company uses the market price on the repurchased date.

·         For loans where there is no market but there is a similar product, the Company uses the market value for the similar product on the repurchased date.

·         For loans where no active market exists on the repurchased date, the Company determines that the unpaid principal balance best approximates the market value on the repurchased date, after considering the fair value of the underlying real estate collateral and estimated future cash flows.

 

The appraised value of the real estate underlying the original mortgage loan adds support to the Company’s determination of fair value because if the loan becomes delinquent, the Company has sufficient value to collect the unpaid principal balance or the carrying value of the loan. In determining the market value on the date of repurchase, the Company considers the total value of all of the loans because any sale of loans would be made as a pool.

 

The Company provides an allowance for loan losses on its mortgage loans held for investment. The allowance is comprised of two components. The first component is an allowance for collectively evaluated impairment that is based upon the Company’s historical experience in collecting similar receivables. The second component is based upon individual evaluation of loans that are determined to be impaired.

 

Commercial Loans

 

Each quarter, management reviews the current commercial loans and determines if an allowance is required based on the Company’s actual experience of losses on impaired commercial loans. To date, the Company has not incurred any significant losses. The carrying value of all commercial loans is supported by appraisals and cash flow analysis of revenue received. Also, the Company does not accrue any interest income or capitalize any of the foreclosure costs on impaired commercial loans.

 

Residential and Construction Loans

The Company believes that in an orderly market fair value will approximate the replacement cost of a home and the rental income provides a cash flow stream for investment analysis. The Company believes the highest and best use of the properties are as income producing assets since it is the Company’s intent to hold the properties as rental properties, matching the income from the investment in rental properties with the funds required for future estimated policy claims. Accordingly, the fair value determination will be weighted more heavily toward the rental analysis.

 

It should be noted that for replacement cost, when determining the fair value of mortgage properties, the Company uses Marshall and Swift, a provider of building cost information to the real estate construction industry. For the investment analysis, the Company used market data based upon its real estate operation experience and projected the present value of the net rental income over seven years. The Company used 20% of the projected cash flow analysis and 80% of the replacement cost to approximate fair value of the collateral.

 

Each quarter the Company also analyzes its current loan portfolio and determines the level of allowance needed for loans that are listed as current in the portfolio. The basis of the analysis places a higher weight on loans with high loan to value ratios, those that lack mortgage insurance, and certain loan types that have a higher percentage of default based on the Company’s experience.

 

Each quarter the Company makes further analysis of the foreclosed properties to determine if any additional allowances are necessary by comparing national indexes of loan to value ratios by region to the Company’s loan to value ratios. Based upon the above procedures, the Company’s management believes that residential and residential construction loans are reflected in the Company’s financial statements at the lower of cost or market in accordance with GAAP requirements.

 

Goodwill

 

Previous acquisitions have been accounted for as purchases under which assets acquired and liabilities assumed were recorded at their fair values with the excess purchase price recognized as goodwill. The Company evaluates annually or when changes in circumstances warrant the recoverability of goodwill and if there is a decrease in value, the related impairment is recognized as a charge against income. No impairment of goodwill has been recognized in the accompanying financial statements.

 

Long-lived Assets

 

Long-lived assets to be held and used are reviewed for impairment whenever events or changes in circumstances indicate that the related carrying amount may not be recoverable. When required, impairment losses on assets to be held and used are recognized based on the fair value of the asset, and long-lived assets to be disposed of are reported at the lower of carrying amount or fair value less costs to sell. No impairment of long-lived assets has been recognized in the accompanying financial statements.

 

Income Taxes

 

Income taxes include taxes currently payable plus deferred taxes. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to the temporary differences in the financial reporting basis and tax basis of assets and liabilities and operating loss carry-forwards. Deferred tax assets are measured using enacted tax rates expected to apply to taxable income in the years in which these temporary differences are expected to be recovered or settled.

                                                                                                                                            

Liabilities are established for uncertain tax positions expected to be taken in income tax returns when such positions are judged to meet the “more-likely-than-not” threshold based on the technical merits of the positions. Estimated interest and penalties related to uncertain tax penalties are included as a component of other expenses.

 

Earnings Per Common Share

 

The Company computes earnings per share in accordance with GAAP which requires presentation of basic and diluted earnings per share. Basic earnings per equivalent Class A common share are computed by dividing net earnings by the weighted-average number of Class A common shares outstanding during each year presented, after the effect of the assumed conversion of Class C common stock to Class A common stock. Diluted earnings per share is computed by dividing net earnings by the weighted-average number of common shares outstanding during the year used to compute basic earnings per share plus dilutive potential incremental shares. Basic and diluted earnings per share amounts have been adjusted retroactively for the effect of annual stock dividends.

 

Stock Based Compensation

 

The cost of employee services received in exchange for an award of equity instruments is recognized in the financial statements and is measured based on the fair value on the grant date of the award. The fair value of stock options is calculated using the Black Scholes method. Stock option compensation expense is recognized over the period during which an employee is required to provide service in exchange for the award.

 

Concentration of Credit Risk

 

For a description of the geographic concentration risk regarding mortgage loans and real estate, refer to Note 2 of the Notes to Consolidated Financial Statements.

 

Advertising

 

The Company expenses advertising costs as incurred.

 

Recent Accounting Pronouncements

 

ASU No. 2016-13: “Financial Instruments – Credit Losses (Topic 326)” – Issued in June 2016, ASU 2016-13 amends guidance on reporting credit losses for assets held at amortized cost basis and available for sale debt securities. For assets held at amortized cost basis, Topic 326 eliminates the probable initial recognition threshold in current generally accepted accounting principles (“GAAP”) and, instead, requires an entity to reflect its current estimate of all expected credit losses. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of the financial assets to present the net amount expected to be collected. For available for sale debt securities, credit losses should be measured in a manner similar to current GAAP, however Topic 326 will require that credit losses be presented as an allowance rather than as a write-down. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2019. The Company is in the process of evaluating the potential impact of this standard.

 

ASU No. 2016-02: “Leases (Topic 842)” - Issued in February 2016, ASU 2016-02 supersedes the leases requirements in ASC Topic 840, “Leases”, and was issued to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2018. The Company is in the process of evaluating the potential impact of this standard.

 

ASU No. 2016-01: “Financial Instruments – Overall (Topic 825-10)” – Issued in January 2016, ASU 2016-01 changes the accounting for non-consolidated equity investments that are not accounted for under the equity method of accounting by requiring changes in fair value to be recognized in income. Under current guidance, changes in fair value for investments of this nature are recognized in accumulated other comprehensive income as a component of stockholders’ equity.  Additionally, ASU 2016-01 simplifies the impairment assessment of equity investments without readily determinable fair values; requires entities to use the exit price when estimating the fair value of financial instruments; and modifies various presentation disclosure requirements for financial instruments.  The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2017. The Company is in the process of evaluating the potential impact of this standard.

 

ASU No. 2014-09: “Revenue from Contracts with Customers (Topic 606)” - Issued in May 2014, ASU 2014-09 supersedes the revenue recognition requirements in ASC Topic 605, “Revenue Recognition”, and requires entities to recognize revenue in a way that depicts the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. Insurance contracts are excluded from the scope of this new guidance. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2017. The Company is in the process of evaluating the potential impact of this standard, which is not expected to be material to the Company’s results of operations or financial position.

 

The Company has reviewed other recent accounting pronouncements and has determined that they will not significantly impact the Company’s results of operations or financial position.

XML 24 R9.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments
12 Months Ended
Dec. 31, 2016
Notes  
Note 2: Investments

2)    Investments

 

The Company’s investments in fixed maturity securities held to maturity and equity securities available for sale as of December 31, 2016 are summarized as follows:

 

Amortized Cost

Gross Unrealized Gains

Gross Unrealized Losses

Estimated Fair Value

December 31, 2016:

 

Fixed maturity securities held to maturity carried at amortized cost:

U.S. Treasury securities and obligations of U.S. Government agencies

$         4,475,065

$          249,028

$           (66,111)

$          4,657,982

    

Obligations of states and political subdivisions

6,017,225

153,514

(133,249)

6,037,490

Corporate securities including public utilities

164,375,636

10,440,989

(3,727,013)

171,089,612

Mortgage-backed securities

9,488,083

221,400

(280,871)

9,428,612

Redeemable preferred stock

623,635

               13,418

                       -  

637,053

 

 

 

 

Total fixed maturity securities held to maturity

$     184,979,644

$     11,078,349

$      (4,207,244)

$      191,850,749

Equity securities available for sale at estimated fair value:

Common stock:

Industrial, miscellaneous and all other

$       10,985,338

$          447,110

$         (859,092)

$        10,573,356

Total securities available for sale carried at estimated fair value

$       10,985,338

$          447,110

$         (859,092)

$        10,573,356

Mortgage loans on real estate and construction loans held for investment at amortized cost:

Residential

$       58,593,622

Residential construction

          40,800,117

Commercial

          51,536,622

Less: Allowance for loan losses

          (1,748,783)

Total mortgage loans on real estate and construction loans held for investment

$     149,181,578

Real estate held for investment - net of depreciation

$     145,165,921

Policy loans and other investments are shown at amortized cost except for other investments that are shown at estimated fair value:

Policy loans

$         6,694,148

Insurance assignments

          33,548,079

Promissory notes

                 48,797

Other investments at estimated fair value

            1,765,752

Less: Allowance for doubtful accounts

          (1,119,630)

Total policy loans and other investments

$       40,937,146

Short-term investments at amortized cost

$       27,560,040

 

The Company’s investments in fixed maturity securities held to maturity and equity securities available for sale as of December 31, 2015 are summarized as follows:

 

Amortized Cost

Gross Unrealized Gains

Gross Unrealized Losses

Estimated Fair Value

December 31, 2015:

 

Fixed maturity securities held to maturity carried at amortized cost:

U.S. Treasury securities and obligations of U.S. Government agencies

$         3,560,579

$          292,869

$             (4,743)

$         3,848,705

    

Obligations of states and political subdivisions

1,805,828

182,073

(1,040)

1,986,861

Corporate securities including public utilities

134,488,108

9,836,355

(5,501,743)

138,822,720

Mortgage-backed securities

5,091,887

190,867

(75,580)

5,207,174

Redeemable preferred stock

612,023

               29,675

 -

641,698

Total fixed maturity securities held to maturity

$     145,558,425

$     10,531,839

$      (5,583,106)

$     150,507,158

Equity securities available for sale at estimated fair value:

Common stock:

Industrial, miscellaneous and all other

$         9,891,500

$          213,684

$      (1,674,094)

$         8,431,090

Total securities available for sale carried at estimated fair value

$         9,891,500

$          213,684

$      (1,674,094)

$         8,431,090

Mortgage loans on real estate and construction loans held for investment at amortized cost:

Residential

$       46,020,490

Residential construction

          34,851,557

Commercial

          33,522,978

Less: Allowance for loan losses

          (1,848,120)

Total mortgage loans on real estate and construction loans held for investment

$     112,546,905

Real estate held for investment - net of depreciation

$     114,852,432

Policy loans and other investments are shown at amortized cost except for other investments that are shown at estimated fair value:

Policy loans

$         6,896,457

Insurance assignments

          32,369,014

Promissory notes

                 48,797

Other investments at estimated fair value

            1,174,769

Less: Allowance for doubtful accounts

             (906,616)

Total policy loans and other investments

$       39,582,421

Short-term investments at amortized cost

$       16,915,808

 

Fixed Maturity Securities

 

The following tables summarize unrealized losses on fixed maturities securities, which are carried at amortized cost, at December 31, 2016 and 2015. The unrealized losses were primarily related to interest rate fluctuations. The tables set forth unrealized losses by duration and number of investment positions, together with the fair value of the related fixed maturity securities:

 

 

 

Unrealized Losses for Less than Twelve Months

Fair Value

Unrealized Losses for More than Twelve Months

Fair Value

Total Unrealized Loss

 

Fair Value

At December 31, 2016

U.S. Treasury Securities and Obligations

    of U.S. Government Agencies

 $          66,111

 $     1,342,088

 $                    -

 $                    -

 $          66,111

 $     1,342,088

Obligations of States and

    Political Subdivisions

           133,249

        3,686,856

                       -

                       -

           133,249

        3,686,856

Corporate Securities

        1,728,312

      41,796,016

        1,998,701

      12,969,135

        3,727,013

      54,765,151

Mortgage and other

asset-backed securities

           176,715

        4,176,089

           104,156

           940,278

           280,871

        5,116,367

Total unrealized losses

 $     2,104,387

 $   51,001,049

 $     2,102,857

 $   13,909,413

 $     4,207,244

 $   64,910,462

 

 

 

 

Unrealized Losses for Less than Twelve Months

 

Fair Value

 

Unrealized Losses for More than Twelve Months

 

Fair Value

 

Total Unrealized Loss

 

Fair Value

At December 31, 2015

U.S. Treasury Securities and Obligations

     of U.S. Government Agencies

$            4,743

 $     2,191,782

 $                    -

 $                    -

 $            4,743

 $     2,191,782

Obligations of States and

    Political Subdivisions

 

                       -

 

                       -

 

               1,040

 

             86,388

 

               1,040

 

             86,388

Corporate Securities

 

        3,701,572

 

      30,109,114

 

        1,800,171

 

        3,723,569

 

        5,501,743

 

      33,832,683

Mortgage and other

asset-backed securities

 

             75,580

 

        1,775,505

 

                       -

 

                       -

 

             75,580

 

        1,775,505

Total unrealized losses

 

 $ 3,781,895

 

 $   34,076,401

 

 $     1,801,211

 

 $     3,809,957

 

 $     5,583,106

 

 $   37,886,358

 

 There were 250 securities with unrealized losses of 93.9% of amortized cost at December 31, 2016. There were 123 securities with unrealized losses of 87.2% of amortized cost at December 31, 2015. During the years ended December 31, 2016, 2015 and 2014, an other than temporary decline in market value resulted in the recognition of credit losses on fixed maturity securities of $100,000, $120,000 and $120,000, respectively.

 

On a quarterly basis, the Company reviews its available for sale and held to maturity fixed investment securities related to corporate securities and other public utilities, consisting of bonds and preferred stocks that are in a loss position. The review involves an analysis of the securities in relation to historical values, and projected earnings and revenue growth rates. Based on the analysis, a determination is made whether a security will likely recover from the loss position within a reasonable period of time. If it is unlikely that the investment will recover from the loss position, the loss is considered to be other than temporary, the security is written down to the impaired value and an impairment loss is recognized.

 

Equity Securities

 

The following tables summarize unrealized losses on equity securities that were carried at estimated fair value based on quoted trading prices at December 31, 2016 and 2015. The unrealized losses were primarily the result of decreases in market value due to overall equity market declines. The tables set forth unrealized losses by duration and number of investment positions, together with the fair value of the related equity securities available for sale in a loss position:

 

 

 

Unrealized Losses for Less than Twelve Months

No. of Investment Positions

Unrealized Losses for More than Twelve Months

No. of Investment Positions

Total Unrealized Losses

At December 31, 2016

Industrial, miscellaneous and all other

$    215,563

124

$    643,529

104

$    859,092

Total unrealized losses

$    215,563

124

$    643,529

104

$    859,092

Fair Value

$ 2,063,144

$ 1,685,874

$ 3,749,018

At December 31, 2015

Industrial, miscellaneous and all other

$    997,862

222

$    676,232

74

$ 1,674,094

Total unrealized losses

$    997,862

222

$    676,232

74

$ 1,674,094

Fair Value

$ 4,177,709

$    760,860

$ 4,938,569

 

The average market value of the equity securities available for sale was 81.4% and 74.7% of the original investment as of December 31, 2016 and 2015, respectively. The intent of the Company is to retain equity securities for a period of time sufficient to allow for the recovery in fair value. However, the Company may sell equity securities during a period in which the fair value has declined below the amount of the original investment. In certain situations, new factors, including changes in the business environment, can change the Company’s previous intent to continue holding a security. During the years ended December 31, 2016, 2015, and 2014, an other than temporary decline in the market value resulted in the recognition of an impairment loss on equity securities of $170,358, $293,714, and $44,240, respectively.

 

On a quarterly basis, the Company reviews its investment in industrial, miscellaneous and all other equity securities that are in a loss position. The review involves an analysis of the securities in relation to historical values, price earnings ratios, projected earnings and revenue growth rates. Based on the analysis a determination is made whether a security will likely recover from the loss position within a reasonable period of time. If it is unlikely that the investment will recover from the loss position, the loss is considered to be other than temporary, the security is written down to the impaired value and an impairment loss is recognized.

 

The fair values of fixed maturity securities are based on quoted market prices, when available. For fixed maturity securities not actively traded, fair values are estimated using values obtained from independent pricing services, or in the case of private placements, are estimated by discounting expected future cash flows using a current market value applicable to the coupon rate, credit and maturity of the investments. The fair values for equity securities are based on quoted market prices.

 

The amortized cost and estimated fair value of fixed maturity securities at December 31, 2016, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because certain borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

 

Amortized

Estimated Fair

 

   Cost   

    Value      

Held to Maturity:

Due in 2017

 $           6,148,334

 $           6,232,674

Due in 2018 through 2021

            42,886,637

            44,879,897

Due in 2022 through 2026

            42,090,383

            43,288,035

Due after 2026

            83,742,572

            87,324,617

Mortgage-backed securities

              9,488,083

              9,488,473

Redeemable preferred stock

                 623,635

                 637,053

Total held to maturity

 $       184,979,644

 $       191,850,749

 

The cost and estimated fair value of available for sale securities at December 31, 2016, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because certain borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Equities are valued using the specific identification method.

 

 Estimated Fair

 Cost

     Value      

Available for Sale:

Common stock

$         10,985,338

$         10,573,356

Total available for sale

 $         10,985,338

 $         10,573,356

 

The Company’s realized gains and losses and other than temporary impairments from investments and other assets for the years ended December 31 are summarized as follows:

 

2016

2015

2014

Fixed maturity securities held

to maturity:

Gross realized gains

 $         389,558

 $         387,162

 $         390,203

Gross realized losses

          (132,124)

            (82,166)

            (71,800)

      Other than temporary impairments

          (100,000)

          (120,000)

          (120,000)

Securities available for sale:

Gross realized gains

            221,817

            180,602

            349,207

Gross realized losses

            (61,242)

            (66,850)

            (55,222)

      Other than temporary impairments

          (170,358)

          (293,714)

            (44,240)

Other assets:

Gross realized gains

            349,252

         2,067,438

         1,445,596

Gross realized losses

          (943,648)

            (84,827)

          (139,808)

      Other than temporary impairments

                        -

          (191,716)

                        -

Total

 $       (446,745)

 $      1,795,929

 $      1,753,936

 

The net carrying amount for disposals of securities classified as held to maturity was $2,380,027, $2,569,712 and $2,840,709, for the years ended December 31, 2016, 2015 and 2014, respectively.  The net realized gain related to these disposals was $155,346, $311,752 and $20,722, for the years ended December 31, 2016, 2015 and 2014, respectively. Although the intent is to buy and hold a bond to maturity the Company will sell a bond prior to maturity if conditions have changed within the entity that issued the bond to increase the risk of default to an unacceptable level.

 

There were no investments, aggregated by issuer, in excess of 10% of shareholders’ equity (before net unrealized gains and losses on available-for-sale securities) at December 31, 2016, other than investments issued or guaranteed by the United States Government.

 

Major categories of net investment income for the years ended December 31, are as follows:

 

 

2016

2015

2014

Fixed maturity securities

 $  8,972,877

 $  8,168,441

 $  8,229,451

Equity securities

        270,942

        269,795

        212,917

Mortgage loans on real estate

     8,963,105

     7,696,533

     7,550,110

Real estate

   10,969,828

     9,454,567

     8,433,895

Policy loans

        781,188

        749,917

        741,220

Insurance assignments

   11,876,836

     8,915,655

     7,324,964

Other investments

         25,122

           6,533

                  -

Short-term investments, principally gains on    sale of mortgage loans

     4,976,180

     7,594,014

     5,072,418

Gross investment income

   46,836,078

   42,855,455

   37,564,975

Investment expenses

    (9,253,634)

    (8,847,551)

    (9,261,235)

Net investment income

 $ 37,582,444

 $ 34,007,904

 $ 28,303,740

 

 

Net investment income includes net investment income earned by the restricted assets of the cemeteries and mortuaries of $419,360, $369,632 and $356,369 for the years ended December 31, 2016, 2015 and 2014, respectively.

 

Net investment income on real estate consists primarily of rental revenue received under short-term leases.

 

Investment expenses consist primarily of depreciation, property taxes, operating expenses of real estate and an estimated portion of administrative expenses relating to investment activities.

 

Securities on deposit for regulatory authorities as required by law amounted to $9,269,121 and $8,815,542 at December 31, 2016 and 2015, respectively. The restricted securities are included in various assets under investments on the accompanying consolidated balance sheets.

 

Real Estate

 

The Company continues to strategically deploy resources into real estate to match the income and yield durations of its primary obligations. The sources for these real estate assets come through its various business segments in the form of acquisition, development and mortgage foreclosures. The Company reports real estate held for investment pursuant to the accounting policy discussed in Note 1 and Note 16 of the Notes to Consolidated Financial Statements.

 

Commercial Real Estate Held for Investment

 

The Company owns and manages commercial real estate assets as a means of generating investment income. These assets are acquired in accordance with the Company’s goals and objectives for risk-adjusted returns. Due diligence is conducted on each asset using internal and third party reports. Geographic locations and asset classes of the investment activity is determined by senior management under the direction of the Board of Directors.

 

The Company employs full-time employees to attend to the day-to-day operations of those assets within the greater Salt Lake area and close surrounding markets.  The Company utilizes third party property managers when the geographic boundary does not warrant full-time staff or through strategic lease-up periods. The Company generally looks to acquire assets in regions that are high growth regions for employment and population and in assets that provide operational efficiencies.

 

The Company currently owns and operates 13 commercial properties in 7 states. These properties include industrial warehouses, office buildings, retail centers and includes the redevelopment and expansion of its corporate campus in Salt Lake City Utah. The assets are primarily held without debt; however, the Company does use debt in strategic cases to leverage established yields or to acquire higher quality or different class of asset.

 

The following is a summary of the Company’s investment in commercial real estate for the periods presented:

 

Net Ending Balance

Total Square Footage

December 31

December 31

2016

2015

2016

2015

Arizona

$     450,538

(1)

$     463,774

(1)

   16,270

   16,270

Arkansas

        100,369

                  -

     3,200

           -

Kansas

   12,450,297

   11,537,335

 222,679

 222,679

Louisiana

        518,700

                  -

     7,063

           -

Mississippi

     3,818,985

                  -

   33,821

           -

New Mexico

           7,000

(1)

           7,000

(1)

           -

           -

Texas

     3,734,974

     3,768,542

   23,470

   23,470

Utah

   47,893,073

(2)

   17,403,746

433,244

253,244

$ 68,973,936

$ 33,180,397

739,747

515,663

                 

(1) Includes Vacant Land

(2) Includes 53rd Center to be completed in July 2017.

 

Residential Real Estate Held for Investment

 

The Company owns a portfolio of residential homes primarily as a result of loan foreclosures.  The strategy has been to lease these homes to produce cash flow, and allow time for the economic fundamentals to return to the various markets. As an orderly and active market for these homes returns, the Company has the option to dispose or to continue and hold them for cash flow and acceptable returns.

 

The Company established Security National Real Estate Services (“SNRE”) in 2013 to manage the residential portfolio. SNRE cultivates and maintains the preferred vendor relationships necessary to manage costs and quality of work performed on the portfolio of homes across the country.

 

As of December 31, 2016, SNRE manages 129 residential properties in 8 states across the United States which includes a newly constructed apartment complex, Dry Creek at East Village, in Sandy Utah.

 

The following is a summary of the Company’s investment in residential real estate for the periods presented:

 

Net Ending Balance

December 31

2016

2015

Arizona

$       742,259

$     944,614

California

       5,848,389

     6,158,253

Colorado

          364,489

        553,230

Florida

       8,327,355

     9,203,624

Illinois

                    -

        165,800

Oklahoma

           46,658

         99,862

Oregon

                    -

        120,000

South Carolina

                    -

        823,872

Texas

       1,091,188

     1,198,860

Utah

     59,485,466

   62,117,738

Washington

          286,181

        286,182

$   76,191,985

$ 81,672,035

 

Real Estate Owned and Occupied by the Company

 

The primary business units of the Company occupy a portion of the real estate owned by the Company.  Currently, the Company occupies nearly 80,000 square feet, or 10% of the overall commercial real estate holdings.

 

As of December 31, 2016, real estate owned and occupied by the company is summarized as follows:

 

 

Mortgage Loans

 

Mortgage loans consist of first and second mortgages. The mortgage loans bear interest at rates ranging from 2.0 % to 10.5%, maturity dates range from three months to 30 years and are secured by real estate. Concentrations of credit risk arise when a number of mortgage loan debtors have similar economic characteristics that would cause their ability to meet contractual obligations to be similarly affected by changes in economic conditions. Although the Company has a diversified mortgage loan portfolio consisting of residential mortgages, commercial loans and residential construction loans and requires collateral on all real estate exposures, a substantial portion of its debtors’ ability to honor obligations is reliant on the economic stability of the geographic region in which the debtors do business. At December 31, 2016, the Company has 42%, 14%, 9%, 8% and 7% of its mortgage loans from borrowers located in the states of Utah, California, Texas, Florida and Nevada, respectively. The mortgage loans on real estate balances on the consolidated balance sheet are reflected net of an allowance for loan losses of $1,748,783 and $1,848,120 at December 31, 2016 and 2015, respectively.

 

The Company establishes a valuation allowance for credit losses in its portfolio. The following is a summary of the allowance for loan losses as a contra-asset account for the periods presented:

 

Allowance for Credit Losses and Recorded Investment in Mortgage Loans

Years Ended December 31

Commercial

Residential

Residential Construction

Total

2016

Allowance for credit losses:

Beginning balance

 $      187,129

 $   1,560,877

 $      100,114

 $     1,848,120

   Charge-offs

                     -

       (420,135)

                     -

          (420,135)

   Provision

                     -

         320,798

                     -

           320,798

Ending balance

 $      187,129

 $   1,461,540

 $      100,114

 $     1,748,783

Ending balance: individually evaluated for impairment

 $                  -

 $      187,470

 $                  -

 $        187,470

Ending balance: collectively evaluated for impairment

 $      187,129

 $   1,274,070

 $      100,114

 $     1,561,313

Ending balance: loans acquired with deteriorated credit quality

 $                  -

 $                  -

 $                  -

 $                    -

Mortgage loans:

Ending balance

 $ 51,536,622

 $ 58,593,622

 $ 40,800,117

 $ 150,930,361

Ending balance: individually evaluated for impairment

 $      202,992

 $   2,916,538

 $        64,895

 $     3,184,425

Ending balance: collectively evaluated for impairment

 $ 51,333,630

 $ 55,677,084

 $ 40,735,222

 $ 147,745,936

Ending balance: loans acquired with deteriorated credit quality

 $                  -

 $                  -

 $                  -

 $                    -

2015

Allowance for credit losses:

Beginning balance

 $      187,129

 $   1,715,812

 $      100,114

 $     2,003,055

   Charge-offs

                     -

       (123,942)

                     -

          (123,942)

   Provision

                     -

         (30,993)

                     -

            (30,993)

Ending balance

 $      187,129

 $   1,560,877

 $      100,114

 $     1,848,120

Ending balance: individually evaluated for impairment

 $                  -

 $      305,962

 $                  -

 $        305,962

Ending balance: collectively evaluated for impairment

 $      187,129

 $   1,254,915

 $      100,114

 $     1,542,158

Ending balance: loans acquired with deteriorated credit quality

 $                  -

 $                  -

 $                  -

 $                    -

Mortgage loans:

Ending balance

 $ 33,522,978

 $ 46,020,490

 $ 34,851,557

 $ 114,395,025

Ending balance: individually evaluated for impairment

 $                  -

 $   3,087,161

 $        93,269

 $     3,180,430

Ending balance: collectively evaluated for impairment

 $ 33,522,978

 $ 42,933,329

 $ 34,758,287

 $ 111,214,594

Ending balance: loans acquired with deteriorated credit quality

 $                  -

 $                  -

 $                  -

 $                    -

 

The following is a summary of the aging of mortgage loans for the periods presented.

Age Analysis of Past Due Mortgage Loans

Years Ended December 31

 

 30-59 Days Past Due

 60-89 Days Past Due

Greater Than 90 Days 1)

In Process of Foreclosure 1)

Total Past Due

Current

Total Mortgage Loans

Allowance for Loan Losses

Net Mortgage Loans

2016

Commercial

 $                        -

 $                       -

 $                       -

 $          202,992

 $          202,992

 $         51,333,630

 $           51,536,622

 $           (187,129)

 $        51,349,493

Residential

             964,960

             996,779

          1,290,355

             1,626,183

           4,878,277

             53,715,345

              58,593,622

           (1,461,540)

            57,132,082

Residential   Construction

                            -

                           -

               64,895

                             -

                 64,895

            40,735,222

                40,800,117

                (100,114)

           40,700,003

Total

 $         964,960

 $         996,779

 $      1,355,250

 $         1,829,175

 $         5,146,164

 $       145,784,197

 $         150,930,361

 $      (1,748,783)

 $        149,181,578

2015

Commercial

 $                        -

 $                       -

 $                       -

 $                         -

 $                         -

 $        33,522,978

 $          33,522,978

 $           (187,129)

 $       33,335,849

Residential

             1,162,102

              884,143

          2,212,993

             3,087,161

           7,346,399

             38,674,091

              46,020,490

          (1,560,877)

            44,459,613

Residential   Construction

                            -

                           -

               64,895

                 93,269

                158,164

            34,693,393

               34,851,557

                (100,114)

            34,751,443

Total

 $         1,162,102

 $          884,143

 $     2,277,888

 $        3,180,430

 $       7,504,563

 $      106,890,462

 $         114,395,025

 $       (1,848,120)

 $       112,546,905

                   

1)  There was not any interest income recognized on loans past due greater than 90 days or in foreclosure.

 

 

Impaired Mortgage Loans

 

Impaired mortgage loans include loans with a related specific valuation allowance or loans whose carrying amount has been reduced to the expected collectible amount because the impairment has been considered other than temporary. The recorded investment in and unpaid principal balance of impaired loans along with the related loan specific allowance for losses, if any, for each reporting period and the average recorded investment and interest income recognized during the time the loans were impaired were as follows:

 

Impaired Loans

Years Ended December 31

 Recorded Investment

Unpaid Principal Balance

Related Allowance

 Average Recorded Investment

Interest Income Recognized

2016

With no related allowance recorded:

   Commercial

$    202,992

$      202,992

 $                -

$          202,992

 $                -

   Residential

                   -

                     -

                   -

                         -

                   -

   Residential construction

         64,895

           64,895

                   -

               64,895

                   -

With an allowance recorded:

   Commercial

 $                -

 $                  -

 $                -

 $                      -

 $                -

   Residential

    2,916,538

      2,916,538

       374,501

          2,916,538

                   -

   Residential construction

                   -

                     -

                   -

                         -

                   -

Total:

   Commercial

$    202,992

$      202,992

 $                -

$          202,992

 $                -

   Residential

    2,916,538

      2,916,538

       374,501

          2,916,538

                   -

   Residential construction

         64,895

           64,895

                   -

               64,895

                   -

2015

With no related allowance recorded:

   Commercial

 $                -

 $                  -

 $                -

 $                      -

 $                -

   Residential

                   -

                     -

                   -

                         -

                   -

   Residential construction

         93,269

           93,269

                   -

               93,269

                   -

With an allowance recorded:

   Commercial

 $                -

 $                  -

 $                -

 $                      -

 $                -

   Residential

    3,087,161

      3,087,161

       305,962

          3,087,161

                   -

   Residential construction

                   -

                     -

                   -

                         -

                   -

Total:

   Commercial

 $                -

 $                  -

 $                -

 $                      -

 $                -

   Residential

    3,087,161

      3,087,161

       305,962

          3,087,161

                   -

   Residential construction

         93,269

           93,269

                   -

               93,269

                   -

 

Credit Risk Profile Based on Performance Status

 

The Company’s mortgage loan portfolio is monitored based on performance of the loans. Monitoring a mortgage loan increases when the loan is delinquent or earlier if there is an indication of impairment. The Company defines non-performing mortgage loans as loans 90 days or greater delinquent or on non-accrual status.

 

The Company’s performing and non-performing mortgage loans were as follows:

 

Mortgage Loan Credit Exposure

Credit Risk Profile Based on Payment Activity

Years Ended December 31

 Commercial

 Residential

 Residential Construction

 Total

 

2016

2015

2016

2015

2016

2015

2016

2015

Performing

 $  51,333,630

 $  33,522,978

 $     55,677,084

 $ 40,720,336

 $   40,735,222

 $  34,693,393

 $       147,745,936

 $  108,936,707

Non-performing

           202,992

                           -

             2,916,538

         5,300,154

                64,895

              158,164

                3,184,425

           5,458,318

Total

 $  51,536,622

 $  33,522,978

 $     58,593,622

 $ 46,020,490

 $     40,800,117

 $   34,851,557

 $        150,930,361

 $   114,395,025

 

Non-Accrual Mortgage Loans

 

Once a loan is past due 90 days, it is the policy of the Company to end the accrual of interest income on the loan and write off any income that had been accrued. Interest not accrued on these loans totals $172,000 and $268,000 as of December 31, 2016 and 2015, respectively.

 

The following is a summary of mortgage loans on a non-accrual status for the periods presented.

 

Mortgage Loans on Non-accrual Status

Years Ended December 31

2016

2015

Commercial

 $              202,992

 $                          -

Residential

              2,916,538

               5,300,154

Residential construction

                   64,895

                  158,164

Total

 $           3,184,425

 $            5,458,318

 

Principal Amounts Due

 

The amortized cost and contractual payments on mortgage loans on real estate and construction loans held for investment by category as of December 31, 2016 are shown below. Expected principal payments may differ from contractual obligations because certain borrowers may elect to pay off mortgage obligations with or without early payment penalties.

 

  Principal 

  Principal 

  Principal 

 Amounts

 Amounts

 Amounts

Due in

Due in

Due

Total

2017

2018-2021

Thereafter

Residential 

 $      58,593,622

 $    6,115,360

 $ 11,916,728

 $ 40,561,534

Residential Construction

         40,800,117

     32,504,143

      8,295,974

                -  

Commercial

         51,536,622

     26,697,442

    20,682,311

      4,156,869

Total

 $    150,930,361

 $  65,316,945

 $ 40,895,013

 $ 44,718,403

 

Loan Loss Reserve

 

When a repurchase demand corresponding to a mortgage loan previously sold to a third party investor is received from a third-party investor, the relevant data is reviewed and captured so that an estimated future loss can be calculated. The key factors that are used in the estimated loss calculation are as follows: (i) lien position, (ii) payment status, (iii) claim type, (iv) unpaid principal balance, (v) interest rate, and (vi) validity of the demand. Other data is captured and is useful for management purposes; the actual estimated loss is generally based on these key factors. The Company conducts its own review upon the receipt of a repurchase demand. In many instances, the Company is able to resolve the issues relating to the repurchase demand by the third-party investor without having to make any payments to the investor.

 

The following is a summary of the loan loss reserve which is included in other liabilities and accrued expenses:

 

December 31

2016

(As Restated)

2015

(As Restated)

Balance, beginning of period

 $          2,805,900

 $          1,718,150

Provision for current loan originations (1)

 

             2,988,754

 

             2,845,940

Additional provision for loan loss reserve

             1700,000

             3,449,103

Charge-offs and settlements

           (6,866,921)

           (5,207,293)

Balance, at December 31

 $             627,733

 $          2,805,900

 

 

 

 

 

(1)                Included in Mortgage fee income

 

 

 

 

 

The Company believes the loan loss reserve represents probable loan losses incurred as of the balance sheet date. Actual loan loss experience could change, in the near-term, from the established reserve based upon claims that could be asserted by third party investors. SecurityNational Mortgage believes there is potential to resolve any alleged claims by third party investors on acceptable terms. If SecurityNational Mortgage is unable to resolve such claims on acceptable terms, legal action may ensue. In the event of legal action by any third-party investor, SecurityNational Mortgage believes it has significant defenses to any such action and intends to vigorously defend itself against such action.

XML 25 R10.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 3: Receivables
12 Months Ended
Dec. 31, 2016
Notes  
Note 3: Receivables

3)         Receivables

 

Receivables consist of the following:

 

December 31

2016

(As Restated)

2015

(As Restated)

Trade contracts

 $        3,482,175

 $        2,890,489

Receivables from sales agents

             4,016,393

             3,280,423

Held in Escrow – Southern Security

                107,388

                245,088

Other

             1,122,890

             1,345,690

Total receivables

           8,728,846

           7,761,690

Allowance for doubtful accounts

           (2,355,482)

           (1,700,696)

Net receivables

 $        6,373,364

 $        6,060,994

XML 26 R11.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 4: Value of Business Acquired
12 Months Ended
Dec. 31, 2016
Notes  
Note 4: Value of Business Acquired

4)         Value of Business Acquired and Goodwill

 

Information with regard to value of business acquired is as follows:

 

December 31

2016

2015

Balance at beginning of year

 $      8,743,773

 $      8,547,627

Value of  business acquired

                     -

         1,473,272

Imputed interest at 7%

             45,762

           590,108

Amortization

       (1,219,235)

       (1,867,234)

Net amortization charged to income

       (1,173,473)

       (1,277,126)

Balance at end of year

 $      7,570,300

 $      8,743,773

 

Presuming no additional acquisitions, net amortization charged to income is expected to approximate $1,119,000, $1,041,000, $966,000, $899,000, and $835,000 for the years 2017 through 2021. Actual amortization may vary based on changes in assumptions or experience. As of December 31, 2016, value of business acquired is being amortized over a weighted average life of 5.4 years.

 

Information with regard to goodwill acquired is as follows:

 

December 31

2016

2015

Balance at beginning of year

$      2,765,570

$      2,765,570

Goodwill acquired

                     -

                     -

Other

                     -

                     -

 

 

Balance at end of year

$      2,765,570

$      2,765,570

 

Goodwill is not amortized but tested annually for impairment. The annual impairment tests resulted in no impairment of goodwill.

XML 27 R12.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 5: Property and Equipment
12 Months Ended
Dec. 31, 2016
Notes  
Note 5: Property and Equipment

5)         Property and Equipment

 

The cost of property and equipment is summarized below:

 

December 31

2016

2015

 Land and buildings

 $          9,155,665

 $        13,126,195

 Furniture and equipment

           19,548,521

           16,613,862

 

           28,704,186

           29,740,057

Less accumulated depreciation

         (19,912,664)

         (18,298,397)

Total

 $          8,791,522

 $        11,441,660

 

Depreciation expense for the years ended December 31, 2016, 2015 and 2014 was $2,182,724, $2,183,496 and $2,177,165, respectively.

XML 28 R13.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 6: Bank and Other Loans Payable
12 Months Ended
Dec. 31, 2016
Notes  
Note 6: Bank and Other Loans Payable

6)         Bank and Other Loans Payable

 

Bank loans payable are summarized as follows:

 

 December 31

 

2016

(As Restated)

2015

(As Restated)

1.65% above the monthly LIBOR rate (0.625% at December 31, 2016) note payable in monthly installments of $13,741 including principal and interest, collateralized by real property with a book value of approximately $498,000, due November 2017.  

 $      147,346

 $      312,240

Mark to market of interest rate swaps (discussed below) adjustment

            3,308

          13,947

6.50% note payable in monthly installments of $1,702 including principal and interest, collateralized by real property with a book value of approximately $278,000, due October 2041.  

        251,072

                  -

2.25% above the monthly LIBOR rate (0.625% at December 31, 2016) plus 1/16th of the monthly LIBOR rate note payable in monthly principal payments of $13,167 plus interest, collateralized by real property with a book value of approximately $4,564,000, due October 2021.

      3,133,787

      3,260,266

3.85% note payable in monthly installments of $86,059 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due January 2018.

      1,093,349

      2,062,512

4.27% note payable in monthly installments of $53,881 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due November 2021.

      2,904,354

                  -

4.40% note payable in monthly installments of $46,825 including principal and interest, collateralized by real property with a book value of approximately $12,060,000, due January 2026.

      7,927,526

      8,135,438

4.329% note payable in monthly installments of $9,775 including principal and interest, collateralized by real property with a book value of approximately $3,048,000, due September 2025.

      1,992,056

      2,020,993

2.5% above the monthly LIBOR rate (0.625% at December 31, 2016) plus 1/16th of the monthly LIBOR rate construction loan payable, collateralized by real property with a book value of approximately $31,835,000, due August 2019.

      8,777,941

                  -

2.60% above 90 day LIBOR rate (0.99789% at December 31, 2016) note payable in monthly installments of approximately $123,800, collateralized by real property with a book value of approximately $35,798,000, due October 2019.

    27,377,114

    24,933,346

1 month LIBOR rate (0.625% at December 31, 2016) plus 3% loan purchase agreement with a warehouse line availability of $100,000,000, matures June 2018

 

    76,843,180

 

    61,302,069

 

 

 

 

 

1 month LIBOR rate (0.625% at December 31, 2016) plus 3% loan purchase agreement with a warehouse line availability of $100,000,000, matures September 2017

 

    21,578,951

 

    28,794,630

 

 

 

 

 

Other collateralized bank loans payable

        109,734

        169,212

Other notes payable

              961

              961

Total bank and other loans

    152,140,679

    131,005,614

Less current installments

      101,177,574

    119,734,751

Bank and other loans, excluding current installments

$ 50,963,105

$ 11,270,863

 

During 2001, the Company entered into an interest rate swap instrument that effectively fixed the interest rate on the note payable at 6.34% per annum. Management considers the interest rate swap instrument an effective cash flow hedge against the variable interest rate on the bank note since the interest rate swap mirrors the term of the note payable and expires on the maturity date of the bank loan it hedges. The interest rate swap is a derivative financial instrument carried at its fair value.

 

In the event the swap is terminated, any resulting gain or loss would be deferred and amortized to interest expense over the remaining life of the bank loan it hedged. In the event of early extinguishment of the hedged bank loan, any realized or unrealized gain or loss from the hedging swap would be recognized in income coincident with the extinguishment.

 

At December 31, 2016 and 2015, the fair value of the interest rate swap was an unrealized loss of $3,308 and $13,947, respectively, and was computed based on the underlying variable Libor rate plus 1.65%, or 2.65% per annum. The unrealized loss resulted in a derivative liability of $3,308 and $13,947 and has been reflected in accumulated other comprehensive income. The change in accumulated other comprehensive income from the interest rate swap in 2016 and 2015 was $10,639 and $17,423, respectively. The fair value of the interest rate swap was derived from a proprietary model of the bank from whom the interest rate swap was purchased and to whom the note is payable.

 

The Company has a $2,000,000 revolving line-of-credit with a bank with interest payable at the prime rate minus .75% (3.00% at December 31, 2016), secured by the capital stock of Security National Life and maturing September 30, 2017, renewable annually. At December 31, 2016, the Company was contingently liable under a standby letter of credit aggregating $560,350, to be used as collateral to cover any contingency related to additional risk assessments pertaining to the Company's captive insurance program and under a standby letter of credit aggregating $48,220 issued as a security deposit to guarantee payment of final bills for electric and gas utility services for a commercial real estate property owned by the Company in Wichita, Kansas. The Company does not expect any material losses to result from the issuance of the standby letter of credit because claims are not expected to exceed premiums paid. As of December 31, 2016, there were no amounts outstanding under the revolving line-of-credit.

 

The Company has a $2,500,000 revolving line-of-credit with a bank with interest payable at the overnight LIBOR rate plus 2.25% (2.9375% at December 31, 2016) maturing September 14, 2017. At December 31, 2016, SecurityNational Mortgage was contingently liable under a standby letter of credit aggregating $1,250,000, to be used as collateral to cover any contingency relating to claims filed in states where SecurityNational Mortgage is licensed. The Company does not expect any material losses to result from the issuance of the standby letters of credit. As of December 31, 2016, there were no amounts outstanding under the revolving line-of-credit.

 

The Company, through its subsidiary SecurityNational Mortgage, has a $100,000,000 line of credit with Wells Fargo Bank N.A. The agreement charges interest at the 1-Month LIBOR rate plus 3% and matures on June 16, 2018.   SecurityNational Mortgage is required to maintain an adjusted tangible net worth of $19,000,000, unrestricted cash of $10,000,000, indebtedness to adjusted tangible net worth of 12:1, liquidity overhead coverage of 1.75:1, and a quarterly gross profit of at least $1.

 

The Company, through its subsidiary SecurityNational Mortgage, also uses a line of credit with Texas Capital Bank N.A.   This agreement with the bank allows SecurityNational Mortgage to borrow up to $100,000,000 for the sole purpose of funding mortgage loans.  SecurityNational Mortgage is currently approved to borrow $30,000,000 of the $100,000,000 available.  The agreement charges interest at the 1-Month LIBOR rate plus 3% and matures on September 7, 2017. The Company is required to maintain an adjusted tangible net worth of $70,000,000, unrestricted cash of $15,000,000, and no two consecutive quarters with a net loss.

 

In addition to financial covenants of these agreements, the Company is required to carry insurance policies for errors and omissions and general liability and was in compliance with all debt covenants as of December 31, 2016.

 

The following tabulation shows the combined maturities of bank loans payable, lines of credit and notes and contracts payable:

 

2017

$     101,177,574

2018

        1,539,638

2019

      36,128,905

2020

        1,066,254

2021

        3,436,591

Thereafter

        8,791,717

Total

$    152,140,679

 

Interest expense in 2016, 2015 and 2014 was $5,111,868, $4,458,612 and $2,994,429, respectively.

XML 29 R14.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 7: Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds
12 Months Ended
Dec. 31, 2016
Notes  
Note 7: Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds

7)         Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds

 

State law requires the Company to pay into endowment care trusts a portion of the proceeds from the sale of certain cemetery property interment rights for cemeteries that have established an endowment care trust. These endowment care trusts are defined as variable interest entities pursuant to generally accepted accounting principles. Also, management has determined that the Company is the primary beneficiary of these trusts, as it absorbs both a majority of the losses and returns associated with the trusts. The Company has consolidated cemetery endowment care trust investments with a corresponding amount recorded as Cemetery Perpetual Care Obligation in the accompanying consolidated balance sheets.

 

The components of the cemetery perpetual care obligation are as follows:

 

December 31

2016

2015

Trust investments, at market value

 $     4,131,885

 $     2,848,759

Note receivables from Cottonwood Mortuary

Singing Hills Cemetery and Memorial Estates

eliminated in consolidation

        1,725,714

        1,780,618

Total trust assets

        5,857,599

        4,629,377

Cemetery perpetual care obligation

      (3,598,580)

      (3,465,771)

Fair value of trust assets in excess of trust obligations

 $     2,259,019

 $     1,163,606

 

The Company has also established certain restricted trust investments to provide for future merchandise and service obligations incurred in connection with its pre-need sales.

 

Assets in the restricted asset account are summarized as follows:

 

December 31

2016

2015

Cash and cash equivalents

 $     8,070,972

 $     7,206,863

Mutual funds

          645,241

          596,994

Fixed maturity securities

              8,775

              8,775

Equity securities

            91,362

            89,450

Participating in mortgage loans with Security National Life

        1,575,044

        1,457,720

Total

 $   10,391,394

 $     9,359,802

 

A surplus note receivable in the amount of $4,000,000 at December 31, 2016 and 2015, from Security National Life, was eliminated in consolidation.  See Notes 1 and 16 for additional information regarding restricted assets.

XML 30 R15.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 8: Income Taxes
12 Months Ended
Dec. 31, 2016
Notes  
Note 8: Income Taxes

8)         Income Taxes

 

The Company’s income tax liability (benefit) is summarized as follows:

 

December 31

2016

(As Restated)

2015

(As Restated)

Current

 $ (1,511,762)

 $   (215,366)

Deferred

   25,830,631

   20,628,255

Total

 $ 24,318,869

 $ 20,412,889

 

Significant components of the Company’s deferred tax (assets) and liabilities are approximately as follows:

 

December 31

2016

(As Restated)

2015

(As Restated)

Assets

Future policy benefits

 $ (9,719,058)

 $ (7,551,336)

Loan loss reserve

        (288,590)

    (1,163,700)

Unearned premium

     (1,519,722)

    (1,610,684)

Available for sale securities

         (51,266)

      (150,984)

Net operating loss

     (1,531,160)

      (588,537)

Deferred compensation

     (2,225,208)

    (1,994,927)

Deposit obligations

     (1,033,580)

    (1,026,984)

Other

     (3,384,144)

    (3,694,959)

Less: Valuation allowance

       431,802

     -

Total deferred tax assets

   (19,320,926)

  (17,782,111)

Liabilities

Deferred policy acquisition costs

     18,150,517

   14,838,604

Basis difference in property and equipment

     10,749,036

     9,375,146

Value of business acquired

       2,573,902

     2,972,883

Deferred gains

       9,290,123

     6,902,888

Trusts

       1,599,657

     1,599,657

Tax on unrealized appreciation

       2,788,322

     2,721,188

Total deferred tax liabilities

     45,151,557

   38,410,366

Net deferred tax liability

 $  25,830,631

 $ 20,628,255

 

The valuation allowance relates to differences between recorded deferred tax assets and liabilities and ultimate anticipated realization.  For the year ended December 31, 2016, the Company recorded a valuation allowance of $431,802 that relates to the acquisition of First Guaranty Insurance Company that was completed on July 11, 2016.

 

The Company paid $2,667,918, $2,716,161 and $408,939 in income taxes for the years ended December 31, 2016, 2015 and 2014, respectively.

 

The Company’s income tax expense (benefit) is summarized as follows for the years ended December 31:

 

2016

(As Restated)

2015

(As Restated)

2014

(As Restated)

Current

  Federal

 $    1,138,196

 $    2,423,846

 $    1,532,539

  State

         245,764

         412,175

         121,124

 

       1,383,960

       2,836,021

       1,653,663

Deferred

  Federal

       5,686,651

       4,413,336

       3,406,545

  State

         443,993

         412,674

         449,911

 

       6,130,644

       4,826,010

       3,856,456

Total

 

 $    7,514,604

 

 $    7,662,031

 

 $    5,510,119

 

The reconciliation of income tax expense at the U.S. federal statutory rates is as follows:

 

2016

(As Restated)

2015

(As Restated)

2014

(As Restated)

Computed expense at statutory rate

 $    6,699,099

 $    7,144,580

 $    4,667,165

State tax expense, net of federal tax benefit

         455,240

         544,400

         376,883

Change in valuation allowance

         431,802

                   -

                   -

Other, net

         (71,537)

         (26,949)

         466,071

Tax expense

 $    7,514,604

 $    7,662,031

 $    5,510,119

 

At December 31, 2016, the Company had no significant unrecognized tax benefits. As of December 31, 2016, the Company does not expect any material changes to the estimated amount of unrecognized tax benefits in the next twelve months. Federal and state income tax returns for 2013 through 2016 are subject to examination by taxing authorities.

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Note 9: Reinsurance, Commitments and Contingencies
12 Months Ended
Dec. 31, 2016
Notes  
Note 9: Reinsurance, Commitments and Contingencies

9)         Reinsurance, Commitments and Contingencies

 

Reinsurance

 

The Company follows the procedure of reinsuring risks in excess of a specified limit, which ranged from $25,000 to $100,000 during the years 2016 and 2015. The Company is liable for these amounts in the event such reinsurers are unable to pay their portion of the claims. The Company has also assumed insurance from other companies having insurance in force amounting to approximately $110,000 (unaudited) and approximately $1,468,935,000 (unaudited) at December 31, 2016 and 2015, respectively. The Company terminated its participation in Servicemembers’ Group Life Insurance in 2016 causing this assumed insurance in force amount to decrease.

 

Reinsurance Agreement with North America Life Insurance Company

 

On May 8, 2015, the Company, through its wholly owned subsidiary, Security National Life, signed a paid-up business offer under a coinsurance agreement that was effective December 1, 2010 to reinsure certain life insurance policies from North America Life Insurance Company (“North America Life”). Pursuant to the paid-up business offer, North America Life ceded and transferred to Security National Life all contractual obligations and risks under the coinsured policies. Security National Life paid a ceding commission to North America Life in the amount of $281,908. As a result of the ceding commission, North America Life transferred $8,900,282 of cash and $9,182,190 in statutory reserves, or liabilities, to Security National Life.

 

Reinsurance Agreement with American Republic Insurance Company

 

On February 11, 2015, the Company, through its wholly owned subsidiary, Security National Life, signed a coinsurance agreement to reinsure certain life insurance policies from American Republic Insurance Company (“American Republic”).  The policies were previously reinsured by North America Life under a coinsurance agreement between World Insurance Company (“World Insurance”) and North America Life that was entered into on July 22, 2009, which was subsequently commuted.  World Insurance was subsequently purchased by and merged into American Republic.  The current coinsurance agreement is now between Security National Life and American Republic and became effective on January 1, 2015.  As part of the coinsurance agreement, American Republic transferred all contractual obligations and risks to Security National Life and Security National Life took control of $15,004,771 of assets in a trust account held by Texas Capital Bank as the trustee. The assets have subsequently been moved to a trust account held by Zions Bank as the trustee.

 

Mortgage Loan Loss Settlements

 

Future loan losses can be extremely difficult to estimate. However, management believes that the Company’s reserve methodology and its current practice of property preservation allow it to estimate potential losses on loans sold. The additional amounts expensed for loan losses in years ended December 31, 2016, 2015 and 2014 were $1,700,000 and $3,449,103, and $1,000,000, respectively and the charge has been included in selling, general and administrative expenses.  The estimated liability for indemnification losses is included in other liabilities and accrued expenses and, as of December 31, 2016 and 2015, the balances were $628,000 and $2,806,000, respectively.

 

Settlement of Investigation by U.S. Department of Justice and the Office of the Inspector General for the U.S. Department of Housing and Urban Development (HUD) of Certain FHA-Insured Mortgage Loans Originated

 

On September 30, 2016, the Company, through its wholly owned subsidiary, SecurityNational Mortgage, announced the execution of a settlement agreement with the U.S. Department of Justice and the United States Attorney's Office in connection with the origination and underwriting by SecurityNational Mortgage of certain Federal Housing Administration (FHA) insured loans.  SecurityNational Mortgage, like many other high volume FHA-approved lenders, was being reviewed by the U.S. Department of Justice and the Office of the Inspector General of the U.S. Department of Housing and Urban Development (HUD) for loan origination activities that occurred as long as nine years ago. 

 

Without any admission of liability and in order to avoid the extended distractions and expenses associated with protracted litigation, SecurityNational Mortgage made a business decision to resolve this matter.  Pursuant to the settlement agreement, SecurityNational Mortgage was required to make a payment in the amount of $4,250,000 to the U.S. Department of Justice, which payment was made on October 4, 2016. SecurityNational Mortgage continues to be able to originate FHA-insured mortgage loans and participate fully in all FHA programs as this settlement agreement does not affect SecurityNational Mortgage's status with the Department of Housing and Urban Development.  In addition, this settlement does not include any allegations or findings against any particular individuals, such as officers, directors, employees or agents of SecurityNational Mortgage.

 

Mortgage Loan Loss Litigation

 

Lehman Brothers and Aurora Loan Services Litigation - Utah

 

On April 15, 2005, SecurityNational Mortgage entered into a Loan Purchase Agreement with Lehman Brothers Bank, FSB (“Lehman Bank”) which agreement incorporated a Seller's Guide.  Pursuant to the Loan Purchase Agreement, Lehman Bank purchased mortgage loans from time to time from SecurityNational Mortgage.  Lehman Bank asserted that certain of the mortgage loans that it purchased from SecurityNational Mortgage contained alleged misrepresentations and early payment defaults.  As a result, Lehman Bank contended it had the right to require SecurityNational Mortgage to repurchase certain loans or be liable for losses related to such Loans under the Loan Purchase Agreement. SecurityNational Mortgage disagreed with these claims.

 

On December 17, 2007, SecurityNational Mortgage entered into an Indemnification Agreement with Lehman Bank and Aurora Loan Services LLC (“Aurora”).  Under the terms of the Indemnification Agreement, SecurityNational Mortgage agreed to indemnify Lehman Bank and Aurora for certain amounts of actual losses, as defined, that Lehman Bank and Aurora may incur on account of the alleged breaches and early payment defaults pertaining to certain identified loans. A reserve account was set up to cover said losses.  From the time the reserve account was established, approximately $4,300,000 was taken from the reserve account to indemnify Lehman Bank and Aurora for alleged losses.  On March 28, 2011, Aurora Bank FSB (formerly known as Lehman Brothers Bank, FSB) (“Aurora Bank”) and Aurora allegedly assigned certain rights and remedies under the Indemnification Agreement to Lehman Brothers Holdings, Inc. ("Lehman Holdings").

 

On May 11, 2011, SecurityNational Mortgage filed a complaint against Aurora Bank and Aurora in the United States District Court, Utah, which was assigned to Judge David Nuffer.  The allegations in the complaint included breach of the Indemnification Agreement.  SecurityNational Mortgage claimed it was entitled to a judgment of approximately $4,000,000 against Aurora Bank, as well as Aurora to the extent of its involvement, for payments which should not have been taken from the reserve account.

 

On June 8, 2011, Lehman Holdings, which had filed for bankruptcy in September 2008, filed a complaint in the United States District Court, Utah against SecurityNational Mortgage. The case was assigned to Judge Ted Stewart. The complaint alleged claims for damages for breach of contract and breach of warranty pursuant to the Loan Purchase Agreement, as well as alleged early payment default loans, and initially claimed damages in excess of $5,000,000.  Lehman Holdings further alleged that Aurora Bank sold mortgage loans to it and assigned contractual rights and remedies.  SecurityNational Mortgage strongly disagreed with the claims in Lehman Holdings’ complaint.

 

On November 29, 2016, Judge Nuffer entered a judgment in favor of SecurityNational Mortgage Company, jointly and severally against Aurora Commercial Corporation (successor by merger to Aurora Bank), Aurora Bank and Aurora. The amount of the judgment was $3,892,974 principal, plus interest through May 31, 2014 in the amount of $1,674,240, plus interest for each day after May 31, 2014 until judgment (dated November 29, 2016) at the rate of $960 per diem.

 

In December 2016, the cases before Judge Nuffer and Judge Stewart were settled. Final settlement agreements were executed on December 20, 2016, which were effective as of December 9, 2016. Under the terms of the settlement, payments were made by Aurora Commercial to SecurityNational Mortgage, and by SecurityNational Mortgage to Lehman Holdings. The net result of the settlement involving both of the Utah cases was that $2,125,000 more was paid to Lehman Holdings. Additionally, the release agreed to by the parties covered claims arising from the sale of mortgage loans by SecurityNational Mortgage to Aurora Bank or Lehman Holdings that were included in the Utah cases.

 

Lehman Brothers Litigation – Delaware and New York

 

In January 2014, Lehman Holdings entered into a settlement with the Federal National Mortgage Association (Fannie Mae) concerning the mortgage loan claims asserted by Fannie Mae against Lehman Holdings that were based on alleged breaches of certain representations and warranties by Lehman Holdings.  Lehman Holdings had acquired these loans from Aurora Bank, which in turn purchased the loans from residential mortgage loan originators, including SecurityNational Mortgage.  A settlement based on similar circumstances was entered into between Lehman Holdings and the Federal Home Loan Mortgage Corporation (Freddie Mac) in February 2014.

 

Lehman Holdings filed a motion in May 2014 with the U.S. Bankruptcy Court of the Southern District of New York to require the mortgage loan originators, including SecurityNational Mortgage, to engage in non-binding mediations of its alleged indemnification claims against the mortgage loan originators relative to the Fannie Mae and Freddie Mac settlements with Lehman Holdings.  The mediation was not successful in resolving any issues between SecurityNational Mortgage and Lehman Holdings. 

 

On January 26, 2016, SecurityNational Mortgage filed a declaratory judgment action against Lehman Holdings in the Superior Court for the State of Delaware.  In the Delaware action, SecurityNational Mortgage asserted its right to obtain a declaration of rights in that there are allegedly millions of dollars in dispute with Lehman Holdings pertaining to approximately 136 loans.  SecurityNational Mortgage sought declaratory judgment as to its rights as it contends that it has no liability to Lehman Holdings as a result of Lehman Holdings’ settlements with Fannie Mae and Freddie Mac.  Lehman Holdings filed a motion in the Delaware court seeking to stay or dismiss the declaratory judgment action.  On August 24, 2016, the Court ruled that it would exercise its discretion to decline jurisdiction over the action and granted Lehman Holdings’ motion to dismiss.

 

On February 3, 2016, Lehman Holdings filed an adversary proceeding against approximately 150 mortgage loan originators, including SecurityNational Mortgage, in the U.S. Bankruptcy Court of the Southern District of New York seeking a declaration of rights similar in nature to the declaration that SecurityNational Mortgage sought in its Delaware lawsuit, and for damages relating to the defendants’ obligations under indemnification provisions of the alleged agreements, in amounts to be determined at trial, including interest, attorneys’ fees and costs incurred by Lehman Holdings in enforcing the obligations of the defendants.  A Case Management Order (“CMO”) was entered on November 1, 2016.  On December 27, 2016, pursuant to the CMO, Lehman Holdings filed a Second Amended Complaint against SecurityNational Mortgage.  The case is presently in a motion period and no Answer is required to be filed by SecurityNational Mortgage pending further order of the Court.  SecurityNational Mortgage denies that it has any liability to Lehman Holdings and intends to vigorously protect and defend such position.

 

Non-Cancelable Leases

 

The Company leases office space and equipment under various non-cancelable agreements, with remaining terms up to five years. Minimum lease payments under these non-cancelable operating leases as of December 31, 2016, are approximately as follows:

 

Years Ending

December 31

2017

$       6,556,093

2018

          4,121,399

2019

         2,583,941

2020

          1,151,873

2021

             496,713

Total

$     14,910,019

 

Total rent expense related to non-cancelable operating leases for the years ended December 31, 2016, 2015, and 2014 was approximately $7,879,000, $7,199,000 and $5,589,000, respectively.

 

Other Contingencies and Commitments

 

The Company has entered into commitments to fund construction and land development loans and has also provided financing for land acquisition and development. As of December 31, 2016, the Company’s commitments were approximately $56,422,000, for these loans of which $40,800,000 had been funded. The Company will advance funds once the work has been completed and an independent inspection is made. The maximum loan commitment ranges between 50% and 80% of appraised value. The Company receives fees and interest for these loans and the interest rate is generally fixed 5.50% to 8.00% per annum. Maturities range between six and eighteen months.

 

The Company belongs to a captive insurance group for certain casualty insurance, worker compensation and liability programs. Insurance reserves are maintained relative to these programs. The level of exposure from catastrophic events is limited by the purchase of stop-loss and aggregate liability reinsurance coverage. When estimating the insurance liabilities and related reserves, the captive insurance management considers a number of factors, which include historical claims experience, demographic factors, severity factors and valuations provided by independent third-party actuaries. If actual claims or adverse development of loss reserves occurs and exceed these estimates, additional reserves may be required. The estimation process contains uncertainty since captive insurance management must use judgment to estimate the ultimate cost that will be incurred to settle reported claims and unreported claims for incidents incurred but not reported as of the balance sheet date. At December 31, 2016, $416,576 of reserves was established related to such insurance programs versus $834,855 at December 31, 2015.

 

The Company is a defendant in various other legal actions arising from the normal conduct of business. Management believes that none of the actions will have a material effect on the Company’s financial position or results of operations. Based on management’s assessment and legal counsel’s representations concerning the likelihood of unfavorable outcomes, no amounts have been accrued for the above claims in the consolidated financial statements.

 

The Company is not a party to any other material legal proceedings outside the ordinary course of business or to any other legal proceedings, which, if adversely determined, would have a material adverse effect on its financial condition or results of operations.

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Note 10: Retirement Plans
12 Months Ended
Dec. 31, 2016
Notes  
Note 10: Retirement Plans

10)       Retirement Plans

 

The Company and its subsidiaries have a noncontributory Employee Stock Ownership Plan (“ESOP”) for all eligible employees. Eligible employees are primarily those with more than one year of service, who work in excess of 1,000 hours per year. Contributions, which may be in cash or stock of the Company, are determined annually by the Board of Directors.

 

The Company’s contributions are allocated to eligible employees based on the ratio of each eligible employee’s compensation to total compensation for all eligible employees during each year. The Company did not make any contributions for the years ended December 31, 2016, 2015 and 2014. At December 31, 2016, the ESOP held 500,450 shares of Class A and 265,623 shares of Class C common stock of the Company. All shares held by the ESOP have been allocated to the participating employees and all shares held by the ESOP are considered outstanding for purposes of computing earnings per share.

 

The Company has three 401(k) savings plans covering all eligible employees, as defined above, which includes employer participation in accordance with the provisions of Section 401(k) of the Internal Revenue Code. The plans allow participants to make pretax contributions up to a maximum of $18,000, $18,000 and $17,500 for the years 2016, 2015 and 2014, respectively or the statutory limits.

 

Beginning January 1, 2008, the Company elected to be a “Safe Harbor” Plan for its matching 401(k) contributions. The Company matched 100% of up to 3% of an employee’s total annual compensation and matched 50% of 4% to 5% of an employee’s annual compensation. The match was in Company stock. The Company’s contribution for the years ended December 31, 2016, 2015 and 2014 was $1,429,962, $1,197,236 and $899,850, respectively under the “Safe Harbor” plan.

 

In 2001, the Company’s Board of Directors adopted a Deferred Compensation Plan. Under the terms of the Plan, the Company will provide deferred compensation for a select group of management or highly compensated employees, within the meaning of Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974, as amended. The Board has appointed a Committee of the Company to be the Plan Administrator and to determine the employees who are eligible to participate in the plan. The employees who participate may elect to defer a portion of their compensation into the plan. The Company may contribute into the plan at the discretion of the Company’s Board of Directors. The Company did not make any contributions for 2016, 2015 and 2014.

 

On July 16, 2004, the Company entered into an employment agreement with Scott M. Quist, the Chairman of the Board, President and Chief Executive Officer. The agreement is effective as of December 4, 2003 and has a five-year term, but the Company has agreed to renew the agreement on December 4, 2008 and 2013 for additional five-year terms, provided Mr. Quist performs his duties with usual and customary care and diligence. Under the terms of the agreement, Mr. Quist is to devote his full time to the Company serving as its Chairman of the Board, President, and Chief Executive Officer at not less than his current salary and benefits. The Company also agrees to maintain a group term life insurance policy of not less than $1,000,000 on Mr. Quist’s life and a whole life insurance policy in the amount of $500,000 on Mr. Quist’s life. In the event of disability, Mr. Quist’s salary would be continued for up to five years at 75% of its current level.

 

In the event of a sale or merger of the Company and Mr. Quist is not retained in his current position, the Company would be obligated to continue Mr. Quist’s current compensation and benefits for seven years following the merger or sale. The agreement further provides that Mr. Quist is entitled to receive annual retirement benefits beginning (i) one month from the date of his retirement (to commence no sooner than age 65), (ii) five years following complete disability, or (iii) upon termination of his employment without cause. These retirement benefits are to be paid for a period of twenty years in annual installments in the amount equal to 75% of his then current rate of compensation. However, in the event that Mr. Quist dies prior to receiving all retirement benefits there under, the remaining benefits are to be paid to his heirs. The Company expensed $511,443, $999,961 and $833,183 during the years ended December 31, 2016, 2015 and 2014, respectively, to cover the present value of anticipated retirement benefits under the employment agreement. The liability accrued is $3,776,368 and $3,264,925 as of December 31, 2016 and 2015, respectively and is included in “Other liabilities and accrued expenses” on the Consolidated Balance Sheet.

 

On December 31, 2015, J. Lynn Beckstead, Jr., who served as Vice President of Mortgage Operations and President of SecurityNational Mortgage, retired from the Company. Under the terms of the employment agreement that the Company, through its wholly owned subsidiary, SecurityNational Mortgage, had entered into with Mr. Beckstead, Mr. Beckstead is entitled to receive retirement benefits from the Company for a period of ten years in an amount equal to 50% of his current rate of compensation at the time of his retirement, which was $267,685 for the year ended December 31, 2015. Such retirement payments are paid monthly during the ten-year period. In determining Mr. Beckstead’s current rate of compensation, stock option grants and incentive or similar bonuses are not included. In the event Mr. Beckstead dies prior to receiving all of his retirement benefits under his employment agreement, the remaining benefits will be made to his heirs. The Company expensed $148,557, $320,039 and $154,817 during the years ended December 31, 2016, 2015 and 2014, respectively, to cover the present value of the retirement benefits under the employment agreement. The company paid $133,842 in retirement compensation to Mr. Beckstead during the year ended December 31, 2016. The liability accrued was $1,109,277 and $1,093,720 as of December 31, 2016 and 2015, respectively and is included in “Other liabilities and accrued expenses” on the Consolidated Balance Sheet.

 

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Note 11: Capital Stock
12 Months Ended
Dec. 31, 2016
Notes  
Note 11: Capital Stock

11)               Capital Stock

 

The Company has one class of preferred stock of $1.00 par value, 5,000,000 shares authorized, of which none are issued. The preferred stock is non-voting.

 

The Company has two classes of common stock with shares outstanding, Class A common shares and Class C common shares. Class C shares have 10 votes per share on all matters except for the election of one third of the directors who are elected solely by the Class A shares. Class C shares are convertible into Class A shares at any time on a one to one ratio. The decrease in treasury stock was the result of treasury stock being used to fund the company’s 401(k) and Deferred Compensation Plans.

 

Stockholders of both Class A and Class C common stock have received 5% stock dividends in the years 1990 through 2016, as authorized by the Company’s Board of Directors.

 

The Company has Class B common stock of $1.00 par value, 5,000,000 shares authorized, of which none are issued. Class B shares are non-voting stock except to any proposed amendment to the Articles of Incorporation which would affect Class B common stock.

 

On July 2, 2014, the stockholders approved a 1-for-10 reverse stock split of the Company’s Class C common stock at the Annual Meeting of Stockholders.  Concurrently with the approval of the reverse stock split, the stockholders also approved amendments to Article V of the Company’s Articles of Incorporation to provide that each share of Class C common stock will have weighted voting of ten votes per share and that each share of Class C common stock may be converted into one share of Class A common stock.  The Board of Directors had previously approved the reverse stock split and weighted voting of Class C common stock.  Prior to the approval of the reverse stock split and weighted voting of Class C shares, the Company’s Articles of Incorporation provided that each share of Class C common stock had one vote per share and that Class C common shares were convertible into Class A common shares at a conversion ratio of ten shares of Class C common stock for one share of Class A common stock.

 

The reverse stock split and weighted voting of the Company's Class C common stock became effective on August 1, 2014, when the Articles of Restatement and Amendment to the Company's Articles of Incorporation were filed with the Utah Division of Corporations and Commercial Code. The reverse stock split affected all of the holders of the Company's Class C common stock uniformly but did not affect any Class C stockholder's percentage ownership interest in the Company or proportionate voting power, except for insignificant changes that resulted from the rounding up of fractional shares. Additionally, the reverse stock split did not impact the existing shares of Class A common stock.

 

The following table summarizes the activity in shares of capital stock for the three-year period ended December 31, 2016:

 

Class A

Class C (1)   

Balance at December 31, 2013

     11,807,287

       1,330,191

Exercise of stock options

            54,412

                      -

Stock dividends

          595,020

            66,384

Reverse stock split true up

                      -

                   15

Conversion of Class C to Class A

              2,521

             (2,521)

Balance at December 31, 2014

     12,459,240

       1,394,069

Exercise of stock options

            23,961

          241,652

Stock dividends

          624,483

            75,335

Conversion of Class C to Class A

              1,416

             (1,416)

Balance at December 31, 2015

     13,109,100

       1,709,640

Exercise of stock options

            42,634

          104,975

Stock dividends

          657,919

            96,967

Conversion of Class C to Class A

              9,353

             (9,353)

Balance at December 31, 2016

     13,819,006

       1,902,229

 

(1) Class C shares have been retroactively adjusted for the effect of the 1-for-10 reverse stock split that was approved by the stockholders in 2014.

 

Earnings per share amounts have been retroactively adjusted for the effect of annual stock dividends. In accordance with accounting principles generally accepted in the United States of America, the basic and diluted earnings per share amounts were calculated as follows:

 

2016

(As Restated)

2015

(As Restated)

2014

(As Restated)

Numerator:

Net earnings

 $   12,188,627

 $   13,351,441

 $  8,216,832

Denominator:

Denominator for basic earnings

per share-weighted-average shares

     14,806,290

     14,439,274

   13,893,260

Effect of dilutive securities

Employee stock options

          320,914

          512,559

        451,215

Dilutive potential common shares

          320,914

          512,559

        451,215

Denominator for diluted earnings

per share-adjusted weighted-average

 

 

 

shares and assumed conversions

     15,127,204

     14,951,833

   14,344,475

Basic earnings per share

             

$0.82

             

$0.92

             

$0.59

Diluted earnings per share

$0.81

$0.89

$0.57

XML 34 R19.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 12: Stock Compensation Plans
12 Months Ended
Dec. 31, 2016
Notes  
Note 12: Stock Compensation Plans

12)       Stock Compensation Plans

 

The Company has four fixed option plans (the “2003 Plan”, the “2006 Director Plan”, the “2013 Plan” and the “2014 Director Plan”). Compensation expense for options issued of $343,577, $387,608 and $391,220 has been recognized under these plans for the years ended December 31, 2016, 2015 and 2014, respectively. As of December 31, 2016, the total unrecognized compensation expense related to the options issued in December 2016 was $374,914, which is expected to be recognized over the vesting period of one year.

 

The weighted-average fair value of each option granted in 2016 under the 2013 Plan, is estimated at $2.17 for the December 21, 2016 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 54.42%, risk-free interest rate of 1.99%, and an expected term of 5.31 years.

 

The weighted-average fair value of each option granted in 2016 under the 2014 Director Plan, is estimated at $2.41 for the December 7, 2016 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 54.60%, risk-free interest rate of 1.93%, and an expected term of 5.31 years.

 

The weighted-average fair value of each option granted in 2016 under the 2013 Plan and the 2014 Director Plan, is estimated at $1.89 for the December 2, 2016 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 47.05%, risk-free interest rate of 1.78%, and an expected term of 4.33 years.

 

The weighted-average fair value of each option granted in 2015 under the 2014 Director Plan, is estimated at $1.61 for the December 7, 2015 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 43.11%, risk-free interest rate of 1.80%, and an expected term of 5.32 years.

 

The weighted-average fair value of each option granted in 2015 under the 2013 Plan and the 2014 Director Plan, is estimated at $1.61 for the December 4, 2015 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 43.15%, risk-free interest rate of 1.83%, and an expected term of 5.32 years. The weighted-average fair value of each option granted in 2014 under the 2014 Director Plan, is estimated at $1.56 for the December 7, 2014 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 52.27%, risk-free interest rate of 1.76%, and an expected term of 5.31 years.

 

The weighted-average fair value of each option granted in 2014 under the 2013 Plan and the 2014 Director Plan, is estimated at $1.56 for the December 5, 2014 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 52.31%, risk-free interest rate of 1.69%, and an expected term of 5.31 years.

 

The weighted-average fair value of each option granted in 2014 under the 2013 Plan is estimated at $1.74 for the July 2, 2014 options as of the grant date using the Black Scholes Option Pricing Model with the following assumptions: dividend yield of 5%, volatility of 57.77%, risk-free interest rate of 1.79%, and an expected term of 5.32 years.

 

The Company generally estimates the expected life of the options based upon the contractual term of the options adjusted for actual experience. Future volatility is estimated based upon the weighted historical volatility of the Company’s Class A common stock over a period equal to the estimated life of the options. Common stock issued upon exercise of stock options are generally new share issuances rather than from treasury shares.

 

Activity of the stock option plans is summarized as follows:

Number of Class A Shares

Weighted Average Exercise Price

 

Number of Class C Shares

Weighted Average Exercise Price

Outstanding at December 31, 2013

      405,133

$    2.41

      508,657

$    2.00

Adjustment for the effect of stock dividends

       24,446

       32,934

Granted

      173,500

      150,000

Exercised

      (59,713)

                -

Cancelled

      (30,571)

                -

 

 

Outstanding at December 31, 2014

      512,795

$    3.20

      691,591

$    2.54

Adjustment for the effect of stock dividends

       29,335

       27,497

Granted

      133,500

      100,000

Exercised

      (26,850)

    (241,652)

Cancelled

      (30,519)

                -

 

 

Outstanding at December 31, 2015

      618,261

$    3.89

      577,436

$    3.54

Adjustment for the effect of stock dividends

       35,346

       26,491

Granted

      133,500

       80,000

Exercised

      (42,634)

    (127,629)

Cancelled

        (2,500)

                -

 

 

Outstanding at December 31, 2016

      741,973

$    4.33

      556,298

$    4.52

Exercisable at end of year

      601,731

$    3.78

      472,298

$    4.02

Available options for future grant

      253,432

                -

Weighted average contractual term of options

outstanding at December 31, 2016

7.37 years

2.67 years

Weighted average contractual term of options

exercisable at December 31, 2016

6.77 years

2.27 years

Aggregated intrinsic value of options outstanding

at December 31, 2016 (1)

$1,452,902

$1,079,136

Aggregated intrinsic value of options exercisable

at December 31, 2016 (1)

$1,452,574

$1,079,136

                   

(1) The Company used a stock price of $6.19 as of December 31, 2016 to derive intrinsic value.

 

The total intrinsic value (which is the amount by which the fair value of the underlying stock exceeds the exercise price of an option on the exercise date) of stock options exercised during the years ended December 31, 2016 and 2015 was $670,959 and $1,190,879, respectively.

XML 35 R20.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 13: Statutory Financial Information and Dividend Limitations
12 Months Ended
Dec. 31, 2016
Notes  
Note 13: Statutory Financial Information and Dividend Limitations

13)       Statutory Financial Information and Dividend Limitations

 

The Company’s insurance subsidiaries prepare their statutory-basis financial statements in conformity with accounting practices prescribed or permitted by the insurance department of the applicable state of domicile. Prescribed statutory accounting practices include a variety of publications of the National Association of Insurance Commissioners (“NAIC”), as well as state laws, regulations and general administrative rules. Permitted statutory accounting practices encompass all accounting practices not so prescribed.

 

All states require domiciled insurance companies to prepare statutory-basis financial statements in conformity with the NAIC Accounting Practices and Procedures Manual, subject to any deviations prescribed or permitted by the applicable insurance commissioner and/or director. Statutory accounting practices differ from GAAP primarily since they require charging policy acquisition and certain sales inducement costs to expense as incurred, establishing life insurance reserves based on different actuarial assumptions, and valuing certain investments and establishing deferred taxes on a different basis.

 

Statutory net income and capital and surplus of the Company’s insurance subsidiaries, determined in accordance with statutory accounting practices prescribed or permitted by insurance regulatory authorities are as follows:

 

Net Income

Capital and Surplus

2016

2015

2014

2016

2015

Amounts by insurance subsidiary:

Security National Life Insurance Company

$ 2,601,408

$ 3,478,338

$ 5,137,208

$ 36,789,358

$ 32,771,066

First Guaranty Insurance Company

      174,562

                -

                -

     4,091,847

                  -

Memorial Insurance Company of America

            460

              49

            415

     1,081,319

     1,082,059

Southern Security Life Insurance Company, Inc.

            889

            491

            467

     1,592,440

     1,590,605

Trans-Western Life Insurance Company

          1,203

            (52)

          1,304

        500,333

        499,130

Total

$ 2,778,522

$ 3,478,826

$ 5,139,394

$ 44,055,297

$ 35,942,860

 

The Utah, Arkansas, Louisiana, Mississippi and Texas Insurance Departments impose minimum risk-based capital (“RBC”) requirements that were developed by the NAIC on insurance enterprises. The formulas for determining the RBC specify various factors that are applied to financial balances or various levels of activity based on the perceived degree of risk. Regulatory compliance is determined by a ratio (the “Ratio”) of the enterprise’s regulatory total adjusted capital, as defined by the NAIC, to its authorized control level, as defined by the NAIC. Enterprises below specific trigger points or ratios are classified within certain levels, each of which requires specified corrective action. The life insurance subsidiaries have a combined weighted Ratio that is greater than the first level of regulatory action as of December 31, 2016.

 

Generally, the net assets of the life insurance subsidiaries available for transfer to the Company are limited to the amounts of the life insurance subsidiaries net assets, as determined in accordance with statutory accounting practices, which were $44,055,297 at December 31, 2016, exceed minimum statutory capital requirements; however, payments of such amounts as dividends are subject to approval by regulatory authorities.

XML 36 R21.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 14: Business Segment Information
12 Months Ended
Dec. 31, 2016
Notes  
Note 14: Business Segment Information

14)       Business Segment Information

 

Description of Products and Services by Segment

 

The Company has three reportable business segments: life insurance, cemetery and mortuary, and mortgage. The Company’s life insurance segment consists of life insurance premiums and operating expenses from the sale of insurance products sold by the Company’s independent agency force and net investment income derived from investing policyholder and segment surplus funds. The Company’s cemetery and mortuary segment consists of revenues and operating expenses from the sale of at-need cemetery and mortuary merchandise and services at its mortuaries and cemeteries, pre-need sales of cemetery spaces after collection of 10% or more of the purchase price and the net investment income from investing segment surplus funds. The Company’s mortgage segment consists of fee income and expenses from the originations of residential mortgage loans and interest earned and interest expenses from warehousing pre-sold loans before the funds are received from financial institutional investors.

 

Measurement of Segment Profit or Loss and Segment Assets

 

The accounting policies of the reportable segments are the same as those described in the Significant Accounting Principles. Intersegment revenues are recorded at cost plus an agreed upon intercompany profit, and are eliminated upon consolidation.

 

Factors Management Used to Identify the Enterprise’s Reportable Segments

 

The Company’s reportable segments are business units that are managed separately due to the different products provided and the need to report separately to the various regulatory jurisdictions. The Company regularly reviews the quantitative thresholds and other criteria to determine when other business segments may need to be reported.

 

2016 (As Restated)

Life

 

Cemetery/

 

 

Intercompany

 

 

Insurance

Mortuary

Mortgage

Eliminations

Consolidated

Revenues:

From external sources:

Revenue from customers

 $       66,902,126

 $       12,267,640

 $     181,141,687

 $                         -

 $     260,311,453

Net investment income

          28,618,485

               312,494

            8,651,465

                     -

          37,582,444

Realized gains (losses) on

investments and other assets

             (277,040)

               211,429

             (110,776)

                     -

             (176,387)

Other than temporary impairments

             (270,358)

                    -

                    -

                     -

             (270,358)

Other revenues

               632,260

                 88,676

            6,166,813

                     -

            6,887,749

Intersegment revenues:

Net investment income

            7,119,692

               691,876

               327,778

            (8,139,346)

                           -

Total revenues

        102,725,165

          13,572,115

        196,176,967

            (8,139,346)

        304,334,901

Expenses:

Death and other policy benefits

          33,387,380

                    -

                    -

                     -

          33,387,380

Increase in future policy benefits

          21,322,195

                    -

                    -

                     -

          21,322,195

Amortization of deferred policy and preneed acquisition costs and

value of business acquired

            7,647,097

               356,078

                    -

                     -

            8,003,175

Depreciation

               596,827

               390,362

            1,195,535

                     -

            2,182,724

General, administrative and

other costs:

Intersegment

                           -

               148,025

               219,974

               (367,999)

                           -

Provision for loan losses

                    -

                    -

            1,700,000

                     -

            1,700,000

Costs related to funding mortgage

  loans

                    -

                    -

            9,191,488

                     -

            9,191,488

Other

          29,478,156

          10,524,535

        163,730,148

                            1

        203,732,840

Interest expense:

Intersegment

               781,078

               651,046

            6,339,224

            (7,771,348)

                           -

Other

            1,654,264

               282,878

            3,174,726

                     -

            5,111,868

Total benefits and expenses

          94,866,997

          12,352,924

        185,551,095

            (8,139,346)

        284,631,670

Earnings before income taxes

 $         7,858,168

 $         1,219,191

 $       10,625,872

 $                         -

 $       19,703,231

Income tax expense

          (3,451,292)

                    -

          (4,063,312)

                     -

          (7,514,604)

Net earnings

 $         4,406,876

 $         1,219,191

 $         6,562,560

 $                         -

 $       12,188,627

Identifiable assets

 $     821,097,220

 $       99,611,263

 $     171,844,559

 $     (140,874,459)

 $     951,678,583

Goodwill

 $         2,765,570

 $                        -

 $                        -

 $                         -

 $         2,765,570

Expenditures for long-lived assets

 $            532,958

 $            723,445

 $         2,310,108

 $                         -

 $         3,566,511

 

2015 (As Restated)

Life

 

Cemetery/

 

 

Intercompany

 

 

Insurance

Mortuary

Mortgage

Eliminations

Consolidated

Revenues:

From external sources:

Revenue from customers

 $       58,883,721

 $       11,502,045

 $     169,043,426

 $                         -

 $     239,429,192

Net investment income

          25,297,486

               450,854

            8,259,564

                     -

          34,007,904

Realized gains (losses) on

investments and other assets

            2,332,456

               387,316

             (318,413)

                     -

            2,401,359

Other than temporary impairments

             (413,714)

                    -

             (191,716)

                     -

             (605,430)

Other revenues

               824,759

               146,831

            4,150,217

                     -

            5,121,807

Intersegment revenues:

Net investment income

            7,615,338

            1,155,180

               326,822

            (9,097,340)

                           -

Total revenues

          94,540,046

          13,642,226

        181,269,900

            (9,097,340)

        280,354,832

Expenses:

Death and other policy benefits

          33,549,893

                    -

                    -

                     -

          33,549,893

Increase in future policy benefits

          17,057,764

                    -

                    -

                     -

          17,057,764

Amortization of deferred policy and preneed acquisition costs and

value of business acquired

            5,306,781

               334,512

                    -

                     -

            5,641,293

Depreciation

               710,733

               403,066

            1,069,697

                     -

            2,183,496

General, administrative and

other costs:

Intersegment

                           -

               156,777

               199,244

               (356,021)

                           -

Provision for loan losses

                    -

                    -

            3,449,103

                     -

            3,449,103

Costs related to funding mortgage

  loans

                    -

                    -

            8,901,511

                     -

            8,901,511

Other

          27,416,860

          10,117,012

        146,565,817

                          (1)

        184,099,688

Interest expense:

Intersegment

               726,919

            1,379,668

            6,634,731

            (8,741,318)

                           -

Other

            1,151,860

               337,632

            2,969,120

                     -

            4,458,612

Total benefits and expenses

          85,920,810

          12,728,667

        169,789,223

            (9,097,340)

        259,341,360

Earnings before income taxes

 $         8,619,236

 $            913,559

 $       11,480,677

 $                         -

 $       21,013,472

Income tax expense

          (3,191,370)

                    -

          (4,470,661)

                     -

          (7,662,031)

Net earnings

 $         5,427,866

 $            913,559

 $         7,010,016

 $                         -

 $       13,351,441

Identifiable assets

 $     721,362,741

 $     101,935,898

 $     157,283,191

 $     (140,108,664)

 $     840,473,166

Goodwill

 $         2,765,570

 $                        -

 $                        -

 $                         -

 $         2,765,570

Expenditures for long-lived assets

 $         3,024,223

 $            154,226

 $            454,241

 $                         -

 $         3,632,690

 

2014 (As Restated)

Life

 

Cemetery/

 

 

Intercompany

 

 

Insurance

Mortuary

Mortgage

Eliminations

Consolidated

Revenues:

From external sources:

Revenue from customers

 $       57,037,623

 $       11,426,308

 $     122,778,529

 $                         -

 $     191,242,460

Net investment income

          23,008,489

               275,324

            5,019,927

                     -

          28,303,740

Realized gains (losses) on

investments and other assets

            1,208,391

               585,543

               124,242

                     -

            1,918,176

Other than temporary impairments

             (164,240)

                    -

                    -

                     -

             (164,240)

Other revenues

               682,682

               169,464

            2,894,867

                     -

            3,747,013

Intersegment revenues:

Net investment income

            6,128,389

            1,288,856

               642,880

            (8,060,125)

                           -

Total revenues

          87,901,334

          13,745,495

        131,460,445

            (8,060,125)

        225,047,149

Expenses:

Death and other policy benefits

          29,789,964

                    -

                    -

                     -

          29,789,964

Increase in future policy benefits

          17,905,914

                    -

                    -

                     -

          17,905,914

Amortization of deferred policy and preneed acquisition costs and

value of business acquired

            6,561,589

               331,389

                    -

                     -

            6,892,978

Depreciation

               644,510

               436,390

            1,096,265

                     -

            2,177,165

General, administrative and

other costs:

Intersegment

                 24,000

               166,079

               208,513

               (398,592)

                           -

Provision for loan losses

                    -

                    -

            1,000,000

                     -

            1,000,000

Costs related to funding mortgage

  loans

                    -

                    -

            6,451,319

                     -

            6,451,319

Other

          23,045,928

          10,245,144

        110,817,359

                          (2)

        144,108,429

Interest expense:

Intersegment

               725,354

            1,481,317

            5,454,860

            (7,661,531)

                           -

Other

               578,083

               421,920

            1,994,426

                     -

            2,994,429

Total benefits and expenses

          79,275,342

          13,082,239

        127,022,742

            (8,060,125)

        211,320,198

Earnings before income taxes

 $         8,625,992

 $            663,256

 $         4,437,703

 $                         -

 $       13,726,951

Income tax expense

          (3,796,327)

                    -

          (1,713,792)

                     -

          (5,510,119)

Net earnings

 $         4,829,665

 $            663,256

 $         2,723,911

 $                         -

 $         8,216,832

Identifiable assets

 $     652,348,803

 $     109,114,226

 $     130,972,484

 $     (142,742,671)

 $     749,692,842

Goodwill

 $         2,765,570

 $                        -

 $                        -

 $                         -

 $         2,765,570

Expenditures for long-lived assets

 $            660,830

 $            121,677

 $            737,936

 $                         -

 $         1,520,443

XML 37 R22.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 15: Related Party Transactions
12 Months Ended
Dec. 31, 2016
Notes  
Note 15: Related Party Transactions

15)       Related Party Transactions

 

The Company’s Board of Directors has a written procedure, which requires disclosure to the Board of any material interest or any affiliation on the part of any of its officers, directors or employees that is in conflict or may be in conflict with the interests of the Company. The Company and its Board of Directors is unaware of any related party transactions that require disclosure as of December 31, 2016.

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Note 16: Fair Value of Financial Instruments
12 Months Ended
Dec. 31, 2016
Notes  
Note 16: Fair Value of Financial Instruments

16)       Fair Value of Financial Instruments

 

Generally accepted accounting principles (GAAP) defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants. GAAP also specifies a fair value hierarchy based upon the observability of inputs used in valuation techniques. Observable inputs (highest level) reflect market data obtained from independent sources, while unobservable inputs (lowest level) reflect internally developed market assumptions. Fair value measurements are classified under the following hierarchy:

                                                                                               

Level 1:  Financial assets and financial liabilities whose values are based on unadjusted quoted prices for identical assets or liabilities in an active market that the Company can access.

 

Level 2: Financial assets and financial liabilities whose values are based on the following:

a) Quoted prices for similar assets or liabilities in active markets;

b) Quoted prices for identical or similar assets or liabilities in non-active markets; or

c) Valuation models whose inputs are observable, directly or indirectly, for substantially the full term of the asset or liability.

 

Level 3:  Financial assets and financial liabilities whose values are based on prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. These inputs may reflect the Company’s estimates of the assumptions that market participants would use in valuing the financial assets and financial liabilities.

 

The Company utilizes a combination of third party valuation service providers, brokers, and internal valuation models to determine fair value.

 

The following methods and assumptions were used by the Company in estimating the fair value disclosures related to other significant financial instruments:

 

The items shown under Level 1 and Level 2 are valued as follows:

 

Securities Available for Sale and Held to Maturity: The fair values of investments in fixed maturity and equity securities along with methods used to estimate such values are disclosed in Note 2 of the Notes to Consolidated Statements.

 

Restricted Assets: A portion of these assets include mutual funds and equity securities that have quoted market prices. Also included are cash and cash equivalents and participations in mortgage loans. The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values.

 

Cemetery Endowment Care Trust Investments:  A portion of these assets include equity securities that have quoted market prices. Also included are cash and cash equivalents. The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values.

 

Call and Put Options: The Company uses quoted market prices to value its call and put options.

 

The items shown under Level 3 are valued as follows:

 

Policyholder Account Balances and Future Policy Benefits-Annuities:  Future policy benefit reserves for interest-sensitive insurance products are computed under a retrospective deposit method and represent policy account balances before applicable surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policy account balances. Interest crediting rates for interest-sensitive insurance products ranged from 4% to 6.5%. The fair values for the Company’s liabilities under investment-type insurance contracts (disclosed as policyholder account balances and future policy benefits – annuities) are estimated based on the contracts’ cash surrender values.

 

The fair values for the Company’s insurance contracts other than investment-type contracts are not required to be disclosed. However, the fair values of liabilities under all insurance contracts are taken into consideration in the Company’s overall management of interest rate risk, such that the Company’s exposure to changing interest rates is minimized through the matching of investment maturities with amounts due under insurance contracts.

 

Loan Commitments and Forward Sale Commitments: The Company’s mortgage segment enters into loan commitments with potential borrowers and forward sale commitments to sell loans to third-party investors. The Company also uses a hedging strategy for these transactions. A loan commitment binds the Company to lend funds to a qualified borrower at a specified interest rate and within a specified period of time, generally up to 30 days after issuance of the loan commitment. Loan commitments are defined to be derivatives under GAAP and are recognized at fair value on the consolidated balance sheet with changes in their fair values recorded in current earnings.

 

The Company estimates the fair value of a loan commitment based on the change in estimated fair value of the underlying mortgage loan, quoted MBS prices, estimates of the fair value of mortgage servicing rights, and an estimate of the probability that the mortgage loan will fund within the terms of the commitment net of estimated commission expense. The change in fair value of the underlying mortgage loan is measured from the date the loan commitment is issued and is shown net of related expenses. Following issuance, the value of a mortgage loan commitment can be either positive or negative depending upon the change in value of the underlying mortgage loans. Fallout rates and other factors from the Company’s recent historical data are used to estimate the quantity and value of mortgage loans that will fund within the terms of the commitments.

 

Interest Rate Swaps: Management considers the interest rate swap instruments to be an effective cash flow hedge against the variable interest rate on bank borrowings since the interest rate swap mirrors the term of the note payable and expires on the maturity date of the bank loan it hedges. The interest rate swaps are derivative financial instruments carried at its fair value. The fair value of the interest rate swap was derived from a proprietary model of the bank from whom the interest rate swap was purchased and to whom the note is payable.

 

Other Investments: The fair values are estimated using one or more valuation techniques for which sufficient and reliable data is available. Factors considered when estimating the fair value include the original transaction price, recent transactions in the same or similar properties, historical lease rates, comparable lease rates of similar properties, discount rates, market capitalization rates, expected vacancy rates, and changes in financial ratios or cash flow.

 

Mortgage Loans on Real Estate: The fair values are estimated using interest rates currently being offered for similar loans to borrowers with similar credit ratings. Loans with similar characteristics are aggregated for purposes of the calculations. The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values.

 

Real Estate Held for Investment: The Company believes that in an orderly market fair value will approximate the replacement cost of a home and the rental income provides a cash flow stream for investment analysis. The Company believes the highest and best use of the properties are as income producing assets since it is the Company’s intent to hold the properties as rental properties, matching the income from the investment in rental properties with the funds required for future estimated policy claims.

 

It should be noted that for replacement cost, when determining the fair value of mortgage properties, the Company uses Marshall and Swift, a provider of building cost information to the real estate construction industry. For the investment analysis, the Company used market data based upon its real estate operation experience and projected the present value of the net rental income over seven years. The Company used 20% of the projected cash flow analysis and 80% of the replacement cost to approximate fair value of the collateral.

 

In addition to this analysis performed by the Company, the Company depreciates Real Estate Held for Investment. This depreciation reduces the book value of these properties and lessens the exposure to the Company from further deterioration in real estate values.

 

Mortgage Servicing Rights: The Company initially recognizes Mortgage Servicing Rights (“MSRs”) at their estimated fair values derived from the net cash flows associated with the servicing contracts, where the Company assumes the obligation to service the loan in the sale transaction. The precise fair value of MSRs cannot be readily determined because MSRs are not actively traded in stand-alone markets. Considerable judgment is required to estimate the fair values of these assets and the exercise of such judgment can significantly affect the Company’s earnings.

 

The Company’s subsequent accounting for MSRs is based on the class of MSRs. The Company has identified two classes of MSRs: MSRs backed by mortgage loans with initial term of 30 years and MSRs backed by mortgage loans with initial term of 15 years. The Company distinguishes between these classes of MSRs due to their differing sensitivities to change in value as the result of changes in market. After being initially recorded at fair value, MSRs backed by mortgage loans are accounted for using the amortization method. MSR amortization is determined by amortizing the balance straight-line over an estimated seven and nine-year life which estimates the proportion to, and over the period of the estimated future net servicing income of the underlying financial assets.

 

The Company periodically assesses MSRs for impairment. Impairment occurs when the current fair value of the MSR falls below the asset’s carrying value (carrying value is the amortized cost reduced by any related valuation allowance). If MSRs are impaired, the impairment is recognized in current-period earnings and the carrying value of the MSRs is adjusted through a valuation allowance.

 

Management periodically reviews the various loan strata to determine whether the value of the MSRs in a given stratum is impaired and likely to recover. When management deems recovery of the value to be unlikely in the foreseeable future, a write-down of the cost of the MSRs for that stratum to its estimated recoverable value is charged to the valuation allowance.

 

The following table summarizes Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a recurring basis by their classification in the consolidated balance sheet at December 31, 2016, as restated.

 

 

Total

 

Quoted Prices in Active Markets for Identical Assets (Level 1)

 

Significant Observable Inputs (Level 2)

 

Significant Unobservable Inputs (Level 3)

Assets accounted for at fair value on a    recurring basis

Common stock

 $         10,573,356

 $        10,573,356

 $                 -

 $                         -

Total securities available for sale

            10,573,356

           10,573,356

                    -

                            -

Restricted assets of cemeteries and mortuaries

                 736,603

                736,603

                    -

                            -

Cemetery perpetual care trust investments

                 698,202

                698,202

                    -

                            -

Derivatives - loan commitments

              6,911,544

                           -

                    -

             6,911,544

Other investments

              1,765,752

                           -

                    -

             1,765,752

Total assets accounted for at fair value on a    recurring basis

 $         20,685,457

 $        12,008,161

 $                 -

 $          8,677,296

Liabilities accounted for at fair value on a    recurring basis

Policyholder account balances

 $       (49,421,125)

 $                        -

 $                 -

 $      (49,421,125)

Future policy benefits - annuities

          (99,388,662)

                           -

                    -

         (99,388,662)

Derivatives  - bank loan interest rate swaps

                   (3,308)

                           -

                    -

                  (3,308)

- call options

               (109,474)

              (109,474)

                    -

                            -

- put options

                 (26,494)

                (26,494)

                    -

                            -

 - loan commitments

               (102,212)

                           -

                    -

              (102,212)

Total liabilities accounted for at fair value    on a recurring basis

 $     (149,051,275)

 $           (135,968)

 $                 -

 $    (148,915,307)

 

Following is a summary of changes in the consolidated balance sheet line items measured using level 3 inputs:

 

 

Policyholder Account Balances

Future Policy Benefits - Annuities

 Loan Commitments

Bank Loan Interest Rate Swaps

Other Investments

Balance - December 31, 2015, as restated

 $      (50,694,953)

 $         (69,398,617)

 $           7,671,495

 $              (13,947)

 $          1,174,769

Purchases

            (30,294,480)

                600,000

Total Losses (Gains):

Included in earnings

             1,273,828

                  304,435

                (862,163)

                            -

Included in other

comprehensive income (loss)

                           -

                              -

                             -

                  10,639

                   (9,017)

Balance - December 31, 2016, as restated

 $      (49,421,125)

 $         (99,388,662)

 $           6,809,332

 $                (3,308)

 $          1,765,752

 

The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a nonrecurring basis by their classification in the consolidated balance sheet at December 31, 2016.

 

 

Total

 

Quoted Prices in Active Markets for Identical Assets (Level 1)

 

Significant Observable Inputs (Level 2)

 

Significant Unobservable Inputs (Level 3)

Assets accounted for at fair value on a    nonrecurring basis

Mortgage loans on real estate

 $        2,809,925

 $                        -

 $                -

 $        2,809,925

Mortgage servicing rights

           8,603,154

                           -

                   -

           8,603,154

Real estate held for investment

           2,347,820

                           -

                   -

           2,347,820

Total assets accounted for at fair value on    a nonrecurring basis

 $      13,760,899

 $                        -

 $                -

 $      13,760,899

 

The following table summarizes Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a recurring basis by their classification in the consolidated balance sheet at December 31, 2015, as restated.

 

 

Total

 

Quoted Prices in Active Markets for Identical Assets (Level 1)

 

Significant Observable Inputs (Level 2)

 

Significant Unobservable Inputs (Level 3)

Assets accounted for at fair value on a    recurring basis

Non-redeemable preferred stock

Common stock

 $           8,431,090

 $        8,431,090

 $                -

 $                         -

Total securities available for sale

              8,431,090

           8,431,090

                   -

                            -

Restricted assets of cemeteries and mortuaries

                 686,444

              686,444

                   -

                            -

Cemetery perpetual care trust investments

                 630,854

              630,854

                   -

                            -

Derivatives - loan commitments

              7,779,162

                         -

                   -

              7,779,162

Other investments

              1,174,769

                         -

                   -

              1,174,769

Total assets accounted for at fair value on a    recurring basis

 $         18,702,319

 $        9,748,388

 $                -

 $           8,953,931

Liabilities accounted for at fair value on a    recurring basis

Policyholder account balances

 $       (50,694,953)

 $                      -

 $                -

 $       (50,694,953)

Future policy benefits - annuities

          (69,398,617)

                         -

                   -

          (69,398,617)

Derivatives  - bank loan interest rate swaps

                 (13,947)

                         -

                   -

                 (13,947)

- call options

                 (16,342)

              (16,342)

                   -

                            -

 - put options

                 (28,829)

              (28,829)

                   -

                            -

 - loan commitments

               (107,667)

                         -

                   -

               (107,667)

Total liabilities accounted for at fair value    on a recurring basis

 $     (120,260,355)

 $           (45,171)

 $                -

 $     (120,215,184)

 

 

Following is a summary of changes in the consolidated balance sheet line items measured using level 3 inputs:

 

 

Policyholder Account Balances

Future Policy Benefits - Annuities

 Loan Commitments

Bank Loan Interest Rate Swaps

Other Investments

Balance - December 31, 2014, as restated

 $            (45,310,699)

 $            (65,540,985)

 $        5,105,605

 $         (31,370)

 $                     -

Purchases

         1,200,000

Total Losses (Gains):

Included in earnings

                 (5,384,254)

                 (3,857,632)

           2,565,890

                        -

Included in other

comprehensive income (loss)

                                 -

                                 -

                          -

              17,423

            (25,231)

Balance - December 31, 2015, as restated

 $            (50,694,953)

 $            (69,398,617)

 $        7,671,495

 $         (13,947)

 $      1,174,769

 

The following tables summarize Level 1, 2 and 3 financial assets and financial liabilities measured at fair value on a nonrecurring basis by their classification in the consolidated balance sheet at December 31, 2015.

 

 

Total

 

Quoted Prices in Active Markets for Identical Assets (Level 1)

 

Significant Observable Inputs (Level 2)

 

Significant Unobservable Inputs (Level 3)

Assets accounted for at fair value on a    nonrecurring basis

Mortgage loans on real estate

 $    2,874,468

 $      2,874,468

Mortgage servicing rights

       6,217,551

                           -

                    -

         6,217,551

Real estate held for investment

            95,000

                           -

                    -

              95,000

Total assets accounted for at fair value on    a nonrecurring basis

 $    9,187,019

 $                        -

 $                 -

 $      9,187,019

 

Fair Value of Financial Instruments Carried at Other Than Fair Value

 

ASC 825, Financial Instruments, requires disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practicable to estimate that value.

 

Management uses its best judgment in estimating the fair value of the Company’s financial instruments; however, there are inherent limitations in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates presented herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction at December 31, 2016 and 2015. The estimated fair value amounts for December 31, 2016 and 2015 have been measured as of period-end, and have not been reevaluated or updated for purposes of these Consolidated Financial Statements subsequent to those dates. As such, the estimated fair values of these financial instruments subsequent to the reporting date may be different than the amounts reported at period-end.

 

The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of December 31, 2016, as restated:

 

 

Carrying Value

 

Level 1

 

Level 2

 

Level 3

 

Total Estimated Fair Value

Assets

Fixed maturity securities, held to maturity

 $     184,979,644

 

 $                  -

 

 $   191,850,749

 

 $                        -

 

 $     191,850,749

Mortgage loans:

Residential

          57,132,082

                     -

                         -

          61,357,393

          61,357,393

Residential construction

          40,700,003

                     -

                         -

          40,700,003

          40,700,003

Commercial

          51,349,493

                     -

                         -

          53,299,800

          53,299,800

Mortgage loans, net

 $     149,181,578

 $                  -

 $                      -

 $     155,357,196

 $     155,357,196

Loans held for sale

        189,139,832

 

                     -

 

                         -

 

        192,289,854

 

        192,289,854

Policy loans

            6,694,148

                     -

                         -

            6,694,148

            6,694,148

Insurance assignments, net

          32,477,246

                     -

                         -

          32,477,246

          32,477,246

Short-term investments

          27,560,040

                     -

                         -

27,560,040

          27,560,040

Mortgage servicing rights

          18,872,362

 

                     -

 

                         -

 

          25,496,832

 

          25,496,832

Liabilities

Bank and other loans payable

 $   (152,137,341)

 $                  -

 $                      -

 $   (152,137,341)

 $   (152,137,341)

 

The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of December 31, 2015, as restated:

 

 

Carrying Value

 

Level 1

 

Level 2

 

Level 3

 

Total Estimated Fair Value

Assets

Fixed maturity securities, held to maturity

 $     145,558,425

 

 $                  -

 

 $  150,507,158

 

 $                        -

 

 $     150,507,158

Mortgage loans:

Residential

          44,459,613

                     -

                        -

          47,193,950

          47,193,950

Residential construction

          34,751,443

                     -

                        -

          34,751,443

          34,751,443

Commercial

          33,335,849

                     -

                        -

          34,778,136

          34,778,136

Loans held for sale

 $     112,546,905

 

 $                  -

 

 $                     -

 

 $     116,723,529

 

 $     116,723,529

Mortgage loans, net

        211,453,006

 $     217,646,189

        217,646,189

Policy loans

            6,896,457

                     -

                        -

            6,896,457

            6,896,457

 Insurance assignments, net

          31,511,195

                     -

                        -

          31,511,195

          31,511,195

Short-term investments

          16,915,808

                     -

                        -

       16,915,808

          16,915,808

Mortgage servicing rights

          12,679,755

 

                     -

 

                        -

 

          13,897,160

 

          13,897,160

Liabilities

Bank and other loans payable

 $   (130,991,667)

 $                  -

 $                     -

 $   (130,991,667)

 $   (130,991,667)

 

The methods, assumptions and significant valuation techniques and inputs used to estimate the fair value of financial instruments are summarized as follows:

 

Fixed Maturity Securities, Held to Maturity: The fair values of fixed maturity securities are based on quoted market prices, when available. For fixed maturity securities not actively traded, fair values are estimated using values obtained from independent pricing services, or in the case of private placements, are estimated by discounting expected future cash flows using a current market value applicable to the coupon rate, credit and maturity of the investments.

 

Mortgage Loans on Real Estate: The estimated fair value of the Company’s mortgage loans is determined using various methods. The Company’s mortgage loans are grouped into three categories: Residential, Residential Construction and Commercial. When estimating the expected future cash flows, it is assumed that all loans will be held to maturity, and any loans that are non-performing are evaluated individually for impairment.

 

Residential – The estimated fair value of mortgage loans originated prior to 2013 is determined by estimating expected future cash flows of interest payments and discounting them using current interest rates from single family mortgages. The estimated fair value of mortgage loans originated in 2013 thru 2016 is determined from pricing of similar loans that were sold in 2016.

 

Residential Construction – These loans are primarily short in maturity (4-6 months) accordingly, the estimated fair value is determined to be the net book value.

 

Commercial – The estimated fair value is determined by estimating expected future cash flows of interest payments and discounting them using current interest rates for commercial mortgages.

 

Loans Held for Sale: The fair value is based on quoted market prices, when available.  When a quoted market price is not readily available, the Company uses the market price from its last sale of similar assets.

 

Policy Loans: The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values because they are fully collateralized by the cash surrender value of the underlying insurance policies.

 

Insurance Assignments, Net: These investments are short in maturity accordingly, the carrying amounts reported in the accompanying condensed consolidated balance sheet for these financial instruments approximate their fair values.

 

Short-Term Investments: The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values due to their short-term nature.

 

Bank and Other Loans Payable: The carrying amounts reported in the accompanying consolidated balance sheet for these financial instruments approximate their fair values due to their short-term nature.

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Note 17: Accumulated Other Comprehensive Income
12 Months Ended
Dec. 31, 2016
Notes  
Note 17: Accumulated Other Comprehensive Income

17)       Accumulated Other Comprehensive Income

 

The following summarizes the changes in accumulated other comprehensive income:

 

 

December 31

2016

2015

Unrealized gains (losses) on available for-sale securities

 $         996,343

 $    (1,289,508)

Reclassification adjustment for net realized gains in net    income

            160,575

            113,751

Net unrealized gains (losses) before taxes

         1,156,918

       (1,175,757)

Tax (expense) benefit

          (399,228)

            404,414

Net

            757,690

          (771,343)

Potential unrealized gains for derivative bank loans    (interest rate swaps) before taxes

              10,639

              17,423

Tax expense

              (4,149)

              (6,795)

Net

                6,490

              10,628

Other comprehensive income (loss) changes

 $         764,180

 $       (760,715)

 

The following is the accumulated balances of other comprehensive income as of December 31, 2016:

 

Beginning Balance December 31, 2015

Change for the period

Ending Balance December 31, 2016

Unrealized net gains (losses) on available-for-sale    securities and trust investments

$       (490,850)

$        757,690

$        266,840

Unrealized gains (losses) on derivative    bank loan interest rate swaps

              (8,508)

               6,490

              (2,018)

Other comprehensive income (loss)

$       (499,358)

$        764,180

$        264,822

 

The following is the accumulated balances of other comprehensive income as of December 31, 2015:

 

Beginning Balance December 31, 2014

Change for the period

Ending Balance December 31, 2015

Unrealized net gains (losses) on available-for-sale    securities and trust investments

$          280,493

$        (771,343)

$       (490,850)

Unrealized gains (losses) on derivative    bank loan interest rate swaps

              (19,136)

               10,628

              (8,508)

Other comprehensive income (loss)

$          261,357

$        (760,715)

$       (499,358)

 

 

The following is the accumulated balances of other comprehensive income as of December 31, 2014:

 

 

Beginning Balance December 31, 2013

Change for the period

Ending Balance December 31, 2014

Unrealized net gains (losses) on available-for-sale    securities and trust investments

$          346,341

$          (65,848)

$        280,493

Unrealized gains (losses) on derivative    bank loan interest rate swaps

              (35,569)

               16,433

            (19,136)

Other comprehensive income (loss)

$          310,772

$          (49,415)

$        261,357

XML 40 R25.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 18: Derivative Instruments
12 Months Ended
Dec. 31, 2016
Notes  
Note 18: Derivative Instruments

18)       Derivative Instruments

 

The following table shows the fair value of derivatives as of December 31, 2016 and 2015.

 

Fair Value of Derivative Instruments

Asset Derivatives

Liability Derivatives

December 31, 2016

(As Restated)

December 31, 2015

(As Restated)

December 31, 2016

December 31, 2015

Balance Sheet Location

Fair Value

Balance Sheet Location

Fair Value

Balance Sheet Location

Fair Value

Balance Sheet Location

Fair Value

Derivatives designated as hedging instruments:

Loan commitments

other assets

$6,911,544

other assets

$ 7,779,162

Other liabilities

$102,212

Other liabilities

$107,667

Call Options

               -

               -

Other liabilities

   109,474

Other liabilities

     16,342

Put Options

               -

               -

Other liabilities

     26,494

Other liabilities

     28,829

Interest rate swaps

 

               -

               -

Bank loans payable

       3,308

Bank loans payable

     13,947

Total

$6,911,544

$ 7,779,162

$241,488

 

$166,785

 

The following table shows the gain (loss) on derivatives for the periods presented. There were no gains or losses reclassified from accumulated other comprehensive income (“OCI”) into income or gains or losses recognized in income on derivatives ineffective portion or any amounts excluded from effective testing.

 

Net Amount Gain (Loss) Recognized in OCI

Years ended December 31

Derivative - Cash Flow Hedging Relationships:

2016

2015

Interest Rate Swaps

 $                      10,639

 $                      17,423

Sub Total

                         10,639

                         17,423

Tax Effect

                           4,149

                           6,795

Total

 $                        6,490

 $                      10,628

XML 41 R26.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 19: Acquisitions
12 Months Ended
Dec. 31, 2016
Notes  
Note 19: Acquisitions

19)       Acquisitions

 

Acquisition of First Guaranty Insurance Company

 

On July 11, 2016, the Company, through its wholly owned subsidiary, Security National Life completed the stock purchase transaction with the shareholders of Reppond Holding Corporation, an Arkansas corporation ("Reppond Holding") and sole shareholder of First Guaranty Insurance Company, a Louisiana domestic stock legal reserve life insurance company ("First Guaranty"), to purchase all the outstanding shares of common stock of Reppond Holding. Under the terms of the stock purchase agreement, dated February 17, 2016, between Security National Life and Reppond Holding, which was later amended on March 4 and 17, 2016, Security National Life paid a total of $6,753,000 at the closing in consideration for the purchase of all the outstanding shares of stock of Reppond Holding from its shareholders.

 

The fair values of assets acquired and liabilities assumed are subject to adjustment during the first twelve months after the acquisition date if additional information becomes available to indicate a more accurate or appropriate value for an asset or liability. As the acquisition was completed at quarter end, the fair values of substantially all of the net assets are considered preliminary.

 

The estimated fair values of the assets acquired and the liabilities assumed at the date of acquisition were as follows:

 

Fixed maturity securities, held to maturity

$    43,878,084

Equity securities, available for sale

           646,335

Mortgage loans on real estate

        4,528,582

Real estate held for investment

           528,947

Policy loans

           145,953

Short-term investments

        5,358,403

Accrued investment income

           585,985

Cash and cash equivalents

        2,424,480

Receivables

            73,347

Property and equipment

            21,083

Deferred tax asset

        1,190,862

Receivable from reinsurers

            34,948

Other

            57,768

Total assets acquired

      59,474,777

Future life, annuity, and other benefits

     (52,648,838)

Accounts payable

             (6,953)

Other liabilities and accrued expenses

           (65,986)

Total liabilities assumed

     (52,721,777)

Fair value of net assets acquired/consideration paid

$     6,753,000

 

 

The estimated fair value of the fixed maturity securities and the equity securities is based on unadjusted quoted prices for identical assets in an active market.  These types of financial assets are considered Level 1 under the fair value hierarchy. The estimated fair value of future life, annuity, and other benefits is based on assumptions of the future value of the business acquired. Based on the unobservable nature of certain of these assumptions, the valuation for these financial liabilities is considered to be Level 3 under the fair value hierarchy. The Company determined that the estimated fair value of the remaining assets and liabilities acquired approximated their book values. The fair value of assets acquired and liabilities assumed are subject to adjustment during the first twelve months after the acquisition date if additional information becomes available to indicate a more accurate or appropriate value for an asset or liability.

 

The following unaudited pro forma information has been prepared to present the results of operations of the Company assuming the acquisition of First Guaranty had occurred at the beginning of the years ended December 31, 2016, 2015 and 2014, respectively. This pro forma information is supplemental and does not necessarily present the operations of the Company that would have occurred had the acquisition occurred on those dates and may not reflect the operations that will occur in the future:

 

For the Year Ended December 31 (unaudited)

2016

(As Restated)

2015

(As Restated)

2014

(As Restated)

Total revenues

 $ 306,471,770

 $ 284,812,830

 $ 229,483,646

Net earnings

 $   11,923,653

 $   12,627,709

 $    8,044,482

Net earnings per Class A equivalent common share

 $            0.95

 $            0.88

 $            0.57

Net earnings per Class A equivalent common share assuming dilution

 $            0.93

 $            0.85

 $            0.55

 

Acquisition of American Funeral Financial

 

On June 4, 2014, the Company, through its wholly owned subsidiary, SNFC Subsidiary, LLC (“SNFC Subsidiary”), completed a purchase transaction with American Funeral Financial, LLC, a South Carolina limited liability company (“American Funeral Financial”) and Hypershop, LLC, a North Carolina  limited liability  company (“Hypershop”), the sole owner of all the limited liability company interests of American Funeral Financial, to purchase all of the outstanding limited liability company interests, or membership units, of American Funeral Financial.  American Funeral Financial is engaged in the operation of a factoring business with the principal purpose of providing funding for funeral homes and mortuaries.  

 

Under the terms of the transaction, as set forth in the Unit Purchase Agreement dated June 4, 2014 (the “Purchase Agreement”), among the Company, SNFC Subsidiary, American Funeral Financial and Hypershop, the Company paid Hypershop purchase consideration equal to (i) $3,000,000 in cash, of which $175,000 was deposited into an interest bearing escrow account to be held for a period of twelve months from the closing date to pay off the indebtedness and other liabilities of American Funeral Financial, plus (ii) $12,011,183, representing the amount of the good standing receivables of American Funeral Financial, plus (iii) earn-out payments equal to .0042 of the aggregate amount of life insurance assignments funded by American Funeral Financial during the three year period following the closing date of the transaction. This earn-out liability was estimated to be $1,368,000. The purchase consideration was to be used to pay off the indebtedness that American Funeral Financial owed to Security Finance Corporation of Spartanburg, as well as to pay off all other indebtedness and liabilities of American Funeral Financial.

 

The estimated fair values of the assets acquired and the liabilities assumed at the date of acquisition were as follows:

 

 

Other loans, net

$         11,866,193

Property and equipment

                 760,120

Goodwill

              2,373,722

Other

              1,379,158

Total assets acquired

           16,379,193

Other liabilities and accrued expenses

            (1,368,000)

Total liabilities assumed

            (1,368,000)

Fair value of net assets acquired

$         15,011,193

 

The estimated fair value of the acquisition is based on market assumptions of the future value of the business acquired, the collectability of receivables, the current value of equipment purchased and the useful life of proprietary software.  Based on the unobservable nature of certain of these assumptions, the valuation is considered Level 3 under the fair value hierarchy.

 

The following unaudited pro forma information has been prepared to present the results of operations of the Company assuming the acquisition of American Funeral Financial had occurred at the beginning of the years ended December 31, 2016, 2015 and 2014, respectively. This pro forma information is supplemental and does not necessarily present the operations of the Company that would have occurred had the acquisition occurred on those dates and may not reflect the operations that will occur in the future:

 

For the Year Ended December 31 (unaudited)

2016

(As Restated)

2015

(As Restated)

2014

(As Restated)

Total revenues

 $ 304,334,901

 $ 280,354,832

 $ 227,379,128

Net earnings

 $   12,188,627

 $   13,351,441

 $    8,458,589

Net earnings per Class A equivalent common share

 $            0.96

 $            0.93

 $            0.59

Net earnings per Class A equivalent common share assuming dilution

 $            0.94

 $            0.90

 $            0.58

 

XML 42 R27.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 20: Mortgage Servicing Rights
12 Months Ended
Dec. 31, 2016
Notes  
Note 20: Mortgage Servicing Rights

20)    Mortgage Servicing Rights

 

The following table presents the MSR activity for 2016 and 2015.

 

December 31

2016

2015

Amortized cost:

Balance before valuation allowance at beginning of year

 $ 12,679,755

 $   7,834,747

MSRs received as proceeds from loan sales

      8,603,154

      6,217,551

Amortization

    (2,410,547)

    (1,372,543)

Application of valuation allowance to write down MSRs    with other than temporary impairment

                  -

                  -

Balance before valuation allowance at year end

 $ 18,872,362

 $ 12,679,755

Valuation allowance for impairment of MSRs:

Balance at beginning of year

 $                -

 $                -

Additions

                  -

                  -

Application of valuation allowance to write down MSRs    with other than temporary impairment

                  -

                  -

Balance at year end

 $                -

 $                -

Mortgage servicing rights, net

$ 18,872,362

$ 12,679,755

Estimated fair value of MSRs at year end

$ 25,496,832

$ 13,897,160

 

The Company reports these MSRs pursuant to the accounting policy discussed in Note 1 of the Notes to Consolidated Financial Statements. The following table summarizes the Company’s estimate of future amortization of its existing MSRs carried at amortized cost. This projection was developed using the assumptions made by management in its December 31, 2016 valuation of MSRs. The assumptions underlying the following estimate will change as market conditions and portfolio composition and behavior change, causing both actual and projected amortization levels to change over time. Therefore, the following estimates will change in a manner and amount not presently determinable by management.

 

Estimated MSR Amortization

2017

$        2,696,052

2018

           2,696,052

2019

           2,696,052

2020

           2,696,052

2021

           2,696,052

Thereafter

           5,392,104

Total

 $      18,872,364

 

During the years ended December 31, 2016, 2015 and 2014, the Company collected the following contractual servicing fee income and late fee income as reported in other revenues on the Consolidated Statement of Earnings:

 

2016

2015

2014

Contractual servicing fees

 $    5,661,699

 $    3,864,454

 $    2,641,234

Late fees

          203,509

          120,241

          123,399

Total

 $    5,865,207

 $    3,984,695

 $    2,764,633

 

The following is a summary of the unpaid principal balances of the servicing portfolio for the periods presented:

 

Years Ended December 31

2016

2015

2014

Servicing UPB

      2,720,441,340

      1,861,835,430

      1,227,249,143

 

The following key assumptions were used in determining MSR value:

 

Prepayment Speeds

Average Life(Years)

Discount Rate

December 31, 2016

3.77%

6.52

10.01

December 31, 2015

3.02%

5.24

10.00

December 31, 2014

2.87%

4.96

10.00

 

XML 43 R28.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 21: Correction of Errors
12 Months Ended
Dec. 31, 2016
Notes  
Note 21: Correction of Errors

21)       Correction of Errors

 

The accompanying Consolidated Financial Statements include the restatement of the Company’s previously filed consolidated balance sheets and the related consolidated statements of operations, shareholders’ equity and cash flows for the fiscal years ended December 31, 2014, December 31, 2015, and December 31, 2016.  For the revised quarterly results of operations for the fiscal years ended December 31, 2014, 2015 and 2016, see “Impact of Restatement Adjustments on Quarterly Financial Statements (Unaudited)” in Note 22 of the accompanying Consolidated Financial Statements.

 

Immaterial Error in Accounting for Loan Commitments:  Subsequent to the issuance of the company’s 2015 consolidated financial statements, the Company identified an error in the accounting for its loan commitments (“Adjustment A”).   The Company corrected the presentation of the changes in fair value of its loan commitments to present them as a component of current earnings instead of as a component of other comprehensive income, as previously reported.  The Company’s management has concluded that the effect of the correction is not material to any previously issued Consolidated Financial Statements.

 

Subsequent to the issuance of the company’s 2016 Consolidated Financial Statements, the Company identified the following errors, (“Adjustments B”):

 

Material Error in Accounting for Repurchase Agreements: The Company has concluded it should account for its Repurchase Agreements with unaffiliated banks as "On-Balance-Sheet" transactions, rather than as "Off-Balance-Sheet" as previously reported.  Accordingly, the Company will reflect any outstanding loans as Loans Held for Sale and the corresponding debt as a Bank Loan Payable.  The Company has corrected its sale accounting practice to defer revenue and costs on loans that remain as Held for Sale.  The Company will recognize these deferred items at the time the loan is purchased by the ultimate investor.

 

Material Error in Accounting for Tax Valuation Allowance:  The Company determined that it should have reversed its valuation allowance in its entirety in 2012 when the Company no longer qualified for the small life insurance company deduction, rather than in other periods as previously reported.

 

Other Immaterial Corrections and Reclassifications: In addition, the Company has recorded the following additional corrections in the accompanying Consolidated Financial Statements:

 

  1. Reclassification of Receivables to Loans Held for Sale
  2. Reclassification of the Provision for Loan Loss Reserve to net against Mortgage Fee Income
  3. Correction to Future Life, Annuity and Other Benefits to reverse a deferred profit liability

 

The tables below present the impact of the restatement on the Company’s Consolidated Balance Sheets for the periods presented:

 

As of December 31, 2016

 

   As Originally Reported

Adjustment (A)

As Previously Reported

Adjustments (B)

As Restated

Loans held for sale (formerly called    Mortgage loans sold to investors)

 $       82,491,091

 $                       -

 $       82,491,091

 $     106,648,741

 $  189,139,832

Receivables, net

          18,870,119

                          -

          18,870,119

      (12,496,755)

         6,373,364

Other assets

            6,891,468

                          -

            6,891,468

            3,521,926

       10,413,394

Total Assets

        854,004,671

                          -

        854,004,671

          97,673,912

     951,678,583

Future life, annuity, and other benefits

        585,610,063

                          -

        585,610,063

        (1,542,371)

     584,067,692

Bank and other loans payable

          53,718,548

                          -

          53,718,548

          98,422,131

     152,140,679

Income taxes

          27,904,294

                          -

          27,904,294

        (3,585,425)

       24,318,869

Total liabilities

        725,825,117

                          -

        725,825,117

          93,294,335

     819,119,452

Accumulated other comprehensive    income, net of taxes

               264,822

                          -

               264,822

                           -

            264,822

Retained earnings

          63,029,627

                          -

          63,029,627

            4,379,577

       67,409,204

Total stockholders' equity

        128,179,554

                          -

        128,179,554

            4,379,577

     132,559,131

Total Liabilities and Stockholders' Equity

        854,004,671

                          -

        854,004,671

          97,673,912

     951,678,583

 

As of December 31, 2015

 

   As Originally Reported

Adjustment (A)

As Previously Reported

Adjustments (B)

As Restated

Loans held for sale (formerly called    Mortgage loans sold to investors)

 $     115,286,455

 $                       -

 $     115,286,455

 $       96,166,551

 $  211,453,006

Receivables, net

          16,026,100

                          -

          16,026,100

       (9,965,106)

         6,060,994

Other assets

            7,100,869

                          -

            7,100,869

            4,338,404

       11,439,273

Total Assets

        749,933,317

                          -

        749,933,317

          90,539,849

     840,473,166

Future life, annuity, and other benefits

        517,177,388

                          -

        517,177,388

          (1,388,134)

     515,789,254

Bank and other loans payable

          40,908,915

                          -

          40,908,915

          90,096,699

     131,005,614

Income taxes

          25,052,059

                          -

          25,052,059

        (4,639,170)

       20,412,889

Total liabilities

        638,687,092

                          -

        638,687,092

          84,069,395

     722,756,487

Accumulated other comprehensive    income, net of taxes

            1,533,828

          (2,033,186)

             (499,358)

                           -

          (499,358)

Retained earnings

          52,021,764

           2,033,186

          54,054,950

            6,470,454

       60,525,404

Total stockholders' equity

        111,246,225

                          -

        111,246,225

            6,470,454

     117,716,679

Total Liabilities and Stockholders' Equity

        749,933,317

                          -

        749,933,317

          90,539,849

     840,473,166

 

As of January 1, 2014

 

   As Originally Reported

Adjustment (A)

As Previously Reported

Adjustments (B)

As Restated

Accumulated other comprehensive    income, net of taxes

 $         1,218,396

 $         (907,624)

 $            310,772

 $                        -

 $         310,772

Retained earnings

          39,666,587

              907,624

          40,574,211

            6,405,271

       46,979,482

 

As of December 31, 2014

 

   As Originally Reported

Adjustment (A)

As Previously Reported

Adjustments (B)

As Restated

Accumulated other comprehensive    income, net of taxes

            1,438,566

          (1,177,209)

               261,357

                           -

            261,357

Retained earnings

          44,101,252

           1,177,209

          45,278,461

            6,597,870

       51,876,331

 

The tables below present the impact of the restatement on the Company’s Consolidated Statements of Earnings for the periods presented:

 

Year Ended December 31, 2016

   As Originally Reported

Adjustment (A)

As Previously Reported

Adjustments (B)

As Restated

Mortgage fee income

 $     186,416,311

 $                       -

 $     186,416,311

 $       (2,873,515)

 $  183,542,796

Total revenues

        307,208,416

                          -

        307,208,416

          (2,873,515)

     304,334,901

Increase in future policy benefits

          21,476,432

                          -

          21,476,432

             (154,237)

       21,322,195

Commissions

          87,762,583

                          -

          87,762,583

               871,911

       88,634,494

Provision for loan loss reserve

            4,688,754

                          -

            4,688,754

          (2,988,754)

         1,700,000

Cost related to funding mortgage loans

            8,756,791

                          -

            8,756,791

               434,697

         9,191,488

Total benefits and expenses

        286,468,053

                          -

        286,468,053

          (1,836,383)

     284,631,670

Earnings before income taxes

          20,740,363

                          -

          20,740,363

          (1,037,132)

       19,703,231

Income tax expense

          (6,460,859)

                          -

          (6,460,859)

          (1,053,745)

       (7,514,604)

Net earnings

          14,279,504

                          -

          14,279,504

          (2,090,877)

       12,188,627

Net earnings per common share (1)

$0.96

$0.00

$0.96

($0.14)

$0.82

Net earnings per common share    assuming dilution (1)

$0.94

$0.00

$0.94

($0.14)

$0.81

 

Year Ended December 31, 2015

   As Originally Reported

Adjustment (A)

As Previously Reported

Adjustments (B)

As Restated

Mortgage fee income

 $     174,323,452

 $        1,403,240

 $     175,726,692

 $       (4,209,408)

 $  171,517,284

Total revenues

        283,161,000

           1,403,240

        284,564,240

          (4,209,408)

     280,354,832

Increase in future policy benefits

          17,212,001

                          -

          17,212,001

             (154,237)

       17,057,764

Commissions

          81,935,623

                          -

          81,935,623

          (1,035,005)

       80,900,618

Provision for loan loss reserve

            6,295,043

                          -

            6,295,043

          (2,845,940)

         3,449,103

Cost related to funding mortgage loans

            8,864,404

                          -

            8,864,404

                 37,107

         8,901,511

Total benefits and expenses

        263,339,435

                          -

        263,339,435

          (3,998,075)

     259,341,360

Earnings before income taxes

          19,821,565

           1,403,240

          21,224,805

             (211,333)

       21,013,472

Income tax expense

          (7,198,685)

             (547,263)

          (7,745,948)

                 83,917

       (7,662,031)

Net earnings

          12,622,880

              855,977

          13,478,857

             (127,416)

       13,351,441

Net earnings per common share (1)

$0.87

$0.06

$0.93

($0.01)

$0.92

Net earnings per common share    assuming dilution (1)

$0.84

$0.06

$0.90

($0.01)

$0.89

 

Year Ended December 31, 2014

   As Originally Reported

Adjustment (A)

As Previously Reported

Adjustments (B)

As Restated

Mortgage fee income

 $     128,696,998

 $           441,943

 $     129,138,941

 $       (2,331,468)

 $  126,807,473

Total revenues

        226,936,674

              441,943

        227,378,617

          (2,331,468)

     225,047,149

Increase in future policy benefits

          18,060,151

                          -

          18,060,151

             (154,237)

       17,905,914

Commissions

          59,876,675

                          -

          59,876,675

             (502,133)

       59,374,542

Provision for loan loss reserve

            3,053,403

                          -

            3,053,403

          (2,053,403)

         1,000,000

Cost related to funding mortgage loans

            6,877,069

                          -

            6,877,069

             (425,750)

         6,451,319

Total benefits and expenses

        214,455,721

                          -

        214,455,721

          (3,135,523)

     211,320,198

Earnings before income taxes

          12,480,953

              441,943

          12,922,896

               804,055

       13,726,951

Income tax expense

          (4,726,305)

             (172,358)

          (4,898,663)

             (611,456)

       (5,510,119)

Net earnings

            7,754,648

              269,585

            8,024,233

               192,599

         8,216,832

Net earnings per common share (1)

$0.56

$0.02

$0.58

$0.01

$0.59

Net earnings per common share    assuming dilution (1)

$0.54

$0.02

$0.56

$0.01

$0.57

 

(1)    Earnings per share amounts have been adjusted retroactively for the effect of annual stock dividends.

 

The tables below present the impact of the restatement on the Company’s Consolidated Statements of Comprehensive Income for the periods presented:

 

Year Ended December 31, 2016

   As Originally Reported

Adjustment (A)

As Previously Reported

Adjustments (B)

As Restated

Net earnings

 $       14,279,504

 $                       -

 $       14,279,504

 $      (2,090,877)

 $    12,188,627

Net unrealized gains (losses) on    derivative instruments

                   6,490

                          -

                   6,490

                           -

                6,490

Other comprehensive gain (loss)

               764,180

                          -

               764,180

                           -

            764,180

 

Year Ended December 31, 2015

   As Originally Reported

Adjustment (A)

As Previously Reported

Adjustments (B)

As Restated

Net earnings

 $       12,622,880

 $           855,977

 $       13,478,857

 $         (127,416)

 $    13,351,441

Net unrealized gains (losses) on    derivative instruments

               866,605

             (855,977)

                 10,628

                           -

              10,628

Other comprehensive gain (loss)

                 95,262

             (855,977)

             (760,715)

                           -

          (760,715)

 

Year Ended December 31, 2014

   As Originally Reported

Adjustment (A)

As Previously Reported

Adjustments (B)

As Restated

Net earnings

 $         7,754,648

 $           269,585

 $         8,024,233

 $            192,599

 $      8,216,832

Net unrealized gains (losses) on    derivative instruments

               286,018

             (269,585)

                 16,433

                           -

              16,433

Other comprehensive gain (loss)

               220,170

             (269,585)

               (49,415)

                           -

            (49,415)

 

The tables below present the impact of the restatement on the Company’s Consolidated Statements of Cash Flows for the periods presented:

 

Year Ended December 31, 2016

 

As Originally Reported

Adjustment (A)

As Previously Reported

Adjustments (B)

As Restated

Net earnings

 $       14,279,504

 $                       -

 $       14,279,504

 $       (2,090,877)

 $        12,188,627

Provision for deferred and other income taxes

            5,076,899

                          -

            5,076,899

            1,053,745

             6,130,644

Loans originated for sale

                          -

                          -

                           -

   (3,098,710,299)

    (3,098,710,299)

Proceeds from loans sold

                          -

                          -

                           -

     3,246,127,714

      3,246,127,714

Net gains on loans sold

                          -

                          -

                           -

        (137,682,984)

         (137,682,984)

Future life and other benefits

          18,143,832

                          -

          18,143,832

             (154,237)

           17,989,595

Receivables for mortgage loans sold

          20,216,621

                          -

          20,216,621

        (20,216,621)

                            -

Other operating assets and liabilities

          (8,473,503)

                          -

          (8,473,503)

            3,348,127

           (5,125,376)

Net cash provided by (used in) operating activities

          43,860,446

                          -

          43,860,446

          (8,325,432)

           35,535,014

Net change in warehouse line borrowings

                          -

                           -

            8,325,432

             8,325,432

Net cash provided by financing activities

          10,664,656

                          -

          10,664,656

            8,325,432

           18,990,088

 

Year Ended December 31, 2015

As Originally Reported

Adjustment (A)

As Previously Reported

Adjustments (B)

As Restated

Net earnings

 $       12,622,880

 $           855,977

 $       13,478,857

 $          (127,416)

 $        13,351,441

Provision for deferred and other income taxes

            4,909,927

                          -

            4,909,927

               (83,917)

             4,826,010

Loans originated for sale

                          -

                          -

                           -

   (2,861,404,239)

    (2,861,404,239)

Proceeds from loans sold

                          -

                          -

                           -

     2,933,300,742

      2,933,300,742

Net gains on loans sold

                          -

                          -

                           -

        (131,130,447)

         (131,130,447)

Future life and other benefits

          15,232,634

                          -

          15,232,634

             (154,237)

           15,078,397

Receivables for mortgage loans sold

        (47,752,055)

                          -

        (47,752,055)

          47,752,055

                            -

Other operating assets and liabilities

            4,890,770

                          -

            4,890,770

             (434,680)

             4,456,090

Net cash provided by (used in) operating activities

        (15,831,248)

                          -

        (15,831,248)

        (12,282,139)

         (28,113,387)

Net change in warehouse line borrowings

                          -

                           -

          12,282,139

           12,282,139

Net cash provided by financing activities

            9,656,561

                          -

            9,656,561

          12,282,139

           21,938,700

 

Year Ended December 31, 2014

As Originally Reported

Adjustment (A)

As Previously Reported

Adjustments (B)

As Restated

Net earnings

 $         7,754,648

 $           269,585

 $         8,024,233

 $            192,599

 $          8,216,832

Provision for deferred and other income taxes

            3,245,004

                          -

            3,245,004

               611,452

             3,856,456

Loans originated for sale

                          -

                          -

                           -

   (2,044,909,613)

    (2,044,909,613)

Proceeds from loans sold

                          -

                          -

                           -

     2,102,740,825

      2,102,740,825

Net gains on loans sold

                          -

                          -

                           -

        (93,144,155)

         (93,144,155)

Future life and other benefits

          14,084,894

                          -

          14,084,894

             (154,237)

           13,930,657

Receivables for mortgage loans sold

            7,362,353

                          -

            7,362,353

          (7,362,353)

                            -

Other operating assets and liabilities

             (135,279)

                          -

             (135,279)

          (1,453,885)

           (1,589,164)

Net cash provided by (used in) operating activities

          31,015,809

                          -

          31,015,809

        (43,479,367)

         (12,463,558)

Net change in warehouse line borrowings

                          -

                           -

          43,479,367

           43,479,367

Net cash provided by financing activities

            6,364,003

                          -

            6,364,003

          43,479,367

           49,843,370

XML 44 R29.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 22: Impact of Restatement Adjustments on Quarterly Financial Statements (unaudited)
12 Months Ended
Dec. 31, 2016
Notes  
Note 22: Impact of Restatement Adjustments on Quarterly Financial Statements (unaudited)

22)       Impact of Restatement Adjustments on Quarterly Financial Statements (Unaudited)

 

 

2016 (2)

Three Months Ended

 

March 31 (As Previously Reported)

March 31 (As Restated)

June 30 (As Previously Reported)

June 30 (As Restated)

September 30 (As Previously Reported)

September 30 (As Restated)

December 31 (As Previously Reported)

 

December 31 (As Restated)

Revenues

 $      67,355,307

 $     69,456,348

 $      81,312,192

 $     80,087,227

 $      84,393,427

 $       82,948,657

 $      74,147,490

 

 $      71,842,669

Benefits and expenses

         63,163,550

        65,385,268

         73,758,739

        72,101,342

         77,427,792

          76,375,127

         72,117,972

 

         70,769,933

Earnings before income taxes

           4,191,757

          4,071,080

           7,553,453

          7,985,885

           6,965,635

            6,573,530

           2,029,518

 

           1,072,736

Income tax expense

         (1,580,220)

        (1,533,139)

         (2,456,885)

        (2,968,879)

         (2,190,206)

          (2,390,525)

            (233,548)

 

            (622,061)

Net earnings

           2,611,537

          2,537,941

           5,096,568

          5,017,006

           4,775,429

            4,183,005

           1,795,970

 

              450,675

Net earnings per common share (1)

$0.18

$0.17

$0.35

$0.34

$0.32

$0.28

$0.12

 

$0.03

Net earnings per common share    assuming dilution (1)

$0.17

$0.17

$0.34

$0.33

$0.31

$0.27

$0.12

 

$0.03

 

2015 (2)

Three Months Ended

 

March 31 (As Previously Reported)

March 31 (As Restated)

June 30 (As Previously Reported)

June 30 (As Restated)

September 30 (As Previously Reported)

September 30 (As Restated)

December 31 (As Previously Reported)

December 31 (As Restated)

Revenues

 $     66,537,523

 $      65,824,546

 $      77,292,625

 $       75,187,618

 $     74,062,877

 $     74,985,622

 $      66,671,215

 $     64,357,046

Benefits and expenses

        61,051,248

         61,388,750

         69,808,663

          68,772,252

        67,700,286

        68,073,150

         64,779,238

        61,107,208

Earnings before income taxes

          5,486,275

           4,435,796

           7,483,962

            6,415,366

          6,362,591

          6,912,472

           1,891,977

          3,249,838

Income tax expense

         (2,104,958)

          (1,698,788)

         (2,867,957)

          (2,454,812)

         (2,346,210)

         (2,554,134)

            (426,823)

           (954,297)

Net earnings

          3,381,317

           2,737,008

           4,616,005

            3,960,554

          4,016,381

          4,358,338

           1,465,154

          2,295,541

Net earnings per common share (1)

$0.24

$0.19

$0.32

$0.27

$0.28

$0.30

$0.10

$0.16

Net earnings per common share    assuming dilution (1)

$0.23

$0.18

$0.31

$0.26

$0.26

$0.29

$0.10

$0.15

 

2014 (2)

Three Months Ended

 

March 31 (As Previously Reported)

March 31 (As Restated)

June 30 (As Previously Reported)

June 30 (As Restated)

September 30 (As Previously Reported)

September 30 (As Restated)

December 31 (As Previously Reported)

December 31 (As Restated)

Revenues

 $       45,502,539

 $      45,843,231

 $     60,200,879

 $     58,408,816

 $     61,012,516

 $      60,515,415

 $     60,662,683

 $     60,279,687

Benefits and expenses

          44,887,289

         46,062,797

        55,224,633

        53,921,094

        58,348,652

         57,958,096

        55,995,147

        53,378,211

Earnings before income taxes

               615,250

            (219,566)

          4,976,246

          4,487,722

          2,663,864

           2,557,319

          4,667,536

          6,901,476

Income tax expense

             (202,352)

              119,914

         (1,870,803)

        (1,685,203)

           (961,140)

             (919,546)

        (1,864,368)

        (3,025,284)

Net earnings

               412,898

              (99,652)

          3,105,443

          2,802,519

          1,702,724

           1,637,773

          2,803,168

          3,876,192

Net earnings per common share (1)

$0.03

($0.01)

$0.22

$0.20

$0.12

$0.12

$0.20

$0.28

Net earnings per common share    assuming dilution (1)

$0.03

($0.01)

$0.22

$0.20

$0.12

$0.11

$0.19

$0.27

____________

 

(1)    Earnings per share amounts have been adjusted retroactively for the effect of annual stock dividends.

(2)    Earnings restated – See Note 21 of the Notes to Consolidated Financial Statements for additional information regarding correction of errors.

XML 45 R30.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: General Overview of Business (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
General Overview of Business

General Overview of Business

 

Security National Financial Corporation and its wholly owned subsidiaries (the “Company”) operate in three main business segments: life insurance, cemetery and mortuary, and mortgages. The life insurance segment is engaged in the business of selling and servicing selected lines of life insurance, annuity products and accident and health insurance marketed primarily in the intermountain west, California and eleven southern states. The cemetery and mortuary segment of the Company consists of eight mortuaries and five cemeteries in Utah and one cemetery in California. The mortgage segment is an approved government and conventional lender that originates and underwrites residential and commercial loans for new construction, existing homes and real estate projects primarily in Florida, Nevada, Texas, and Utah.

XML 46 R31.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Basis of Presentation (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Basis of Presentation

Basis of Presentation

 

The accompanying consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP). The presentation of certain amounts in prior years has been reclassified to conform to the 2016 presentation.

XML 47 R32.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Principles of Consolidation (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Principles of Consolidation

Principles of Consolidation

 

These consolidated financial statements include the financial statements of the Company and its majority owned subsidiaries. All intercompany transactions and accounts have been eliminated in consolidation.

XML 48 R33.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Use of Estimates (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Use of Estimates

Use of Estimates

 

Management of the Company has made a number of estimates and assumptions related to the reported amounts of assets and liabilities, reported amounts of revenues and expenses, and the disclosure of contingent assets and liabilities to prepare these financial statements in conformity with generally accepted accounting principles. Actual results could differ from those estimates.

 

Material estimates that are particularly susceptible to significant changes in the near term are those used in determining the value of derivative assets and liabilities, those used in determining deferred acquisition costs and the value of business acquired, those used in determining the value of mortgage loans foreclosed to real estate held for investment, those used in determining the liability for future policy benefits and unearned revenue, those used in determining the estimated future costs for pre-need sales, those used in determining the value of mortgage servicing rights, those used in determining allowances for loan losses for mortgage loans on real estate, those used in determining loan loss reserve, and those used in determining deferred tax assets and liabilities. Although some variability is inherent in these estimates, management believes the amounts provided are fairly stated in all material respects.

XML 49 R34.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Investments (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Investments

Investments

 

The Company’s management determines the appropriate classifications of investments in fixed maturity securities and equity securities at the acquisition date and re-evaluates the classifications at each balance sheet date.

 

Fixed maturity securities held to maturity are carried at cost, adjusted for amortization of premium or accretion of discount. Although the Company has the ability and intent to hold these investments to maturity, infrequent and unusual conditions could occur under which it would sell certain of these securities. Those conditions include unforeseen changes in asset quality, significant changes in tax laws, and changes in regulatory capital requirements or permissible investments.

 

Equity securities available for sale are carried at estimated fair value. Changes in fair values net of income taxes are reported as unrealized appreciation or depreciation and recorded as an adjustment directly to stockholders’ equity and, accordingly, have no effect on net income.

 

Mortgage loans on real estate and construction loans held for investment are carried at their unpaid principal balances adjusted for charge-offs and the related allowance for loan losses. The Company defers related material loan origination fees, net of related direct loan origination costs, and amortizes the net fees over the term of the loans.

 

Mortgage loans are collateral dependent and require an appraisal at the time of underwriting and funding.  Generally, the Company will fund a loan not to exceed 80% of the loan’s collateral fair market value.  Amounts over 80% will require additional collateral or mortgage insurance by an approved third party insurer.  Once a loan is deemed to be impaired the Company will review the market value of the collateral and provide an allowance for any impairment.

 

Real estate held for investment is carried at cost, less accumulated depreciation provided on a straight line basis over the estimated useful lives of the properties, or is adjusted to a new basis for impairment in value, if any. Included are foreclosed properties which the Company intends to hold for investment purposes.  These properties are recorded at the lower of cost or fair value upon foreclosure.

 

Policy loans and other investments are carried at the aggregate unpaid balances, less allowances for possible losses.

 

Short-term investments are carried at cost and consist of certificates of deposit and commercial paper with maturities of up to one year.

 

Realized gains and losses on investments arise when investments are sold (as determined on a specific identification basis) or are other-than-temporarily impaired. If in management’s judgment a decline in the value of an investment below cost is other-than-temporary, the cost of the investment is written down to fair value with a corresponding charge to earnings. Factors considered in judging whether an impairment is other-than-temporary include: the financial condition, business prospects and credit worthiness of the issuer, the length of time that fair value has been less than cost, the relative amount of the decline, and the Company’s ability and intent to hold the investment until the fair value recovers, which is not assured.

XML 50 R35.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Cash and Cash Equivalents (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Cash and Cash Equivalents

Cash and Cash Equivalents

 

For purposes of the statement of cash flows, the Company considers all highly liquid debt instruments purchased with an original maturity of three months or less to be cash equivalents. The Company maintains its cash in bank deposit accounts, which at times exceed federally insured limits. The Company has not experienced any losses in such accounts and believes it is not exposed to any significant credit risk on cash and cash equivalents.

XML 51 R36.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Loans Held For Sale (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Loans Held For Sale

Loans Held for Sale

 

Loans held for sale are carried at the lower of cost or market and include the amounts due from third party investors. Loans held for sale are also shown net of direct selling revenues and costs. Based on the short-term nature of these assets, the Company has no related allowance for loan losses recorded for these assets.

XML 52 R37.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Restricted Assets (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Restricted Assets

Restricted Assets

 

Restricted assets are assets held in a trust account for future mortuary services and merchandise and consist of cash; participations in mortgage loans with Security National Life; mutual funds carried at cost; equity securities carried at fair market value; and a surplus note with Security National Life. Restricted cash also represents escrows held for borrowers and investors under servicing and appraisal agreements relating to mortgage loans, funds held by warehouse banks in accordance with loan purchase agreements and funds held in escrow for certain real estate construction development projects. Additionally, the Company elected to fund its medical benefit safe-harbor limit based on 35 percent of the qualified direct costs for the preceding year, and has included this amount as a component of restricted cash.

XML 53 R38.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Cemetery Perpetual Care Trust Investments (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Cemetery Perpetual Care Trust Investments

Cemetery Perpetual Care Trust Investments

 

Cemetery endowment care trusts have been set up for four of the six cemeteries owned by the Company. Of the six cemeteries owned by the Company, four cemeteries are endowment care properties. Under endowment care arrangements a portion of the price for each lot sold is withheld and invested in a portfolio of investments similar to those described in the prior paragraph. The earnings stream from the investments is designed to fund future maintenance and upkeep of the cemetery.

XML 54 R39.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Cemetery Land and Improvements (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Cemetery Land and Improvements

Cemetery Land and Improvements

 

The development of a cemetery involves not only the initial acquisition of raw land but the installation of roads, water lines, landscaping and other costs to establish a marketable cemetery lot. The costs of developing the cemetery are shown as an asset on the balance sheet. The amount on the balance sheet is reduced by the total cost assigned to the development of a particular lot when the criterion for recognizing a sale of that lot is met.

XML 55 R40.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Property and Equipment (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Property and Equipment

Property and Equipment

 

Property and equipment are recorded at cost. Depreciation is calculated principally on the straight-line method over the estimated useful lives of the assets which range from three to forty years. Leasehold improvements are amortized over the lesser of the useful life or remaining lease terms.

XML 56 R41.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Recognition of Insurance Premiums and Other Considerations (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Recognition of Insurance Premiums and Other Considerations

Recognition of Insurance Premiums and Other Considerations

 

Premiums and other consideration for traditional life insurance products (which include those products with fixed and guaranteed premiums and benefits and consist principally of whole life insurance policies, limited payment life insurance policies, and certain annuities with life contingencies) are recognized as revenues when due from policyholders. Premiums and other consideration for interest-sensitive insurance policies (which include universal life policies, interest-sensitive life policies, deferred annuities, and annuities without life contingencies) are recognized when earned and consist of amounts assessed against policyholder account balances during the period for policy administration charges and surrender charges.

XML 57 R42.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Deferred Policy Acquisition Costs and Value of Business Acquired (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Deferred Policy Acquisition Costs and Value of Business Acquired

Deferred Policy Acquisition Costs and Value of Business Acquired

 

Commissions and other costs, net of commission and expense allowances for reinsurance ceded, that vary with and are primarily related to the production of new insurance business have been deferred. Deferred policy acquisition costs (“DAC”) for traditional life insurance are amortized over the premium paying period of the related policies using assumptions consistent with those used in computing policy benefit reserves. For interest-sensitive insurance products, deferred policy acquisition costs are amortized generally in proportion to the present value of expected gross profits from surrender charges, investment, mortality and expense margins. This amortization is adjusted when estimates of current or future gross profits to be realized from a group of products are reevaluated. Deferred acquisition costs are written off when policies lapse or are surrendered.

 

The Company follows accounting principles generally accepted in the United States of America when accounting for DAC on internal replacements of insurance and investment contracts. An internal replacement is a modification in product benefits, features, rights or coverage that occurs by the exchange of a contract for a new contract, or by amendment, endorsement, or rider to contract, or by the election of a feature or coverage within a contract. Modifications that result in a replacement contract that is substantially changed from the replaced contract are accounted for as an extinguishment of the replaced contract. Unamortized DAC, unearned revenue liabilities and deferred sales inducements from the replaced contract are written-off. Modifications that result in a contract that is substantially unchanged from the replaced contract are accounted for as a continuation of the replaced contract.

 

Value of business acquired is the present value of estimated future profits of the acquired business and is amortized similar to deferred policy acquisition costs.

XML 58 R43.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Mortgage Servicing Rights (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Mortgage Servicing Rights

Mortgage Servicing Rights

 

Mortgage Service Rights (MSR) arise from contractual agreements between the Company and third-party investors (or their agents) when mortgage loans are sold. Under these contracts, the Company is obligated to retain and provide loan servicing functions on loans sold, in exchange for fees and other remuneration. The servicing functions typically performed include, among other responsibilities, collecting and remitting loan payments; responding to borrower inquiries; accounting for principal and interest, holding custodial (impound) funds for payment of property taxes and insurance premiums; counseling delinquent mortgagors; and supervising the acquisition of real estate owned and property dispositions.

 

The total residential mortgage loans serviced for others consist primarily of agency conforming fixed-rate mortgage loans.  The value of MSRs is derived from the net cash flows associated with the servicing contracts. The Company receives a servicing fee of generally about 0.250% annually on the remaining outstanding principal balances of the loans. Based on the result of the cash flow analysis, an asset or liability is recorded for mortgage servicing rights. The servicing fees are collected from the monthly payments made by the mortgagors. The Company generally receives other remuneration including rights to various mortgagor-contracted fees such as late charges, and collateral reconveyance charges and the Company is generally entitled to retain the interest earned on funds held pending remittance of mortgagor principal, interest, tax and insurance payments. Contractual servicing fees and late fees are included in other revenues on the Consolidated Statements of Earnings.

 

Interest rate risk, prepayment risk, and default risk are inherent risks in MSR valuation. Interest rate changes largely drive prepayment rates. Refinance activity generally increases as rates decline. A significant decrease in rates beyond expectation could cause a decline in the value of the MSR. On the contrary, if rates increase borrowers are less likely to refinance or prepay their mortgage, which extends the duration of the loan and MSR values are likely to rise. Because of these risks, discount rates and prepayment speeds are used to estimate the fair value.

 

The Company’s subsequent accounting for MSRs is based on the class of MSRs. The Company has identified two classes of MSRs: MSRs backed by mortgage loans with initial term of 30 years and MSRs backed by mortgage loans with initial term of 15 years. The Company distinguishes between these classes of MSRs due to their differing sensitivities to change in value as the result of changes in market. After being initially recorded at fair value, MSRs backed by mortgage loans are accounted for using the amortization method. MSR amortization is determined by amortizing the balance straight-line over an estimated seven and nine year life.

 

The Company periodically assesses MSRs for impairment. Impairment occurs when the current fair value of the MSR falls below the asset’s carrying value (carrying value is the amortized cost reduced by any related valuation allowance). If MSRs are impaired, the impairment is recognized in current-period earnings and the carrying value of the MSRs is adjusted through a valuation allowance.

 

Management periodically reviews the various loan strata to determine whether the value of the MSRs in a given stratum is impaired and likely to recover. When management deems recovery of the value to be unlikely in the foreseeable future, a write-down of the cost of the MSRs for that stratum to its estimated recoverable value is charged to the valuation allowance.

XML 59 R44.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Derivative Instruments (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Derivative Instruments

Derivative Instruments

 

Mortgage Banking Derivatives

 

Loan Commitments

 

The Company is exposed to price risk due to the potential impact of changes in interest rates on the values of loan commitments from the time a loan commitment is made to an applicant to the time the loan that would result from the exercise of that loan commitment is funded. Managing price risk is complicated by the fact that the ultimate percentage of loan commitments that will be exercised (i.e., the number of loans that will be funded) fluctuates. The probability that a loan will not be funded or the loan application is denied or withdrawn within the terms of the commitment is driven by a number of factors, particularly the change, if any, in mortgage rates following the issuance of the loan commitment.

 

In general, the probability of funding increases if mortgage rates rise and decreases if mortgage rates fall. This is due primarily to the relative attractiveness of current mortgage rates compared to the applicant’s committed rate. The probability that a loan will not be funded within the terms of the mortgage loan commitment also is influenced by the source of the applications (retail, broker or correspondent channels), proximity to rate lock expiration, purpose for the loan (purchase or refinance) product type and the application approval status. The Company has developed fallout estimates using historical data that take into account all of the variables, as well as renegotiations of rate and point commitments that tend to occur when mortgage rates fall. These fallout estimates are used to estimate the number of loans that the Company expects to be funded within the terms of the loan commitments and are updated periodically to reflect the most current data.

 

The Company estimates the fair value of a loan commitment based on the change in estimated fair value of the underlying mortgage loan, quoted MBS prices, estimates of the fair value of mortgage servicing rights, and an estimate of the probability that the mortgage loan will fund within the terms of the commitment net of estimated commission expense. The change in fair value of the underlying mortgage loan is measured from the date the loan commitment is issued and is shown net of expenses. Following issuance, the value of a loan commitment can be either positive or negative depending upon the change in value of the underlying mortgage loans.

 

Forward Sale Commitments

 

The Company utilizes forward commitments to economically hedge the price risk associated with its outstanding mortgage loan commitments. A forward commitment protects the Company from losses on sales of the loans arising from exercise of the loan commitments. Management expects these types of commitments will experience changes in fair value opposite to changes in fair value of the loan commitments, thereby reducing earnings volatility related to the recognition in earnings of changes in the values of the commitments.

 

The net changes in fair value of all loan commitments and forward sale commitments are shown in current earnings as a component of mortgage fee income.

 

Call and Put Options

 

The Company uses a strategy of selling “out of the money” call options on its available for sale equity securities as a source of revenue.  The options give the purchaser the right to buy from the Company specified equity securities at a set price up to a pre-determined date in the future.  The Company uses the strategy of selling put options as a means of generating cash or purchasing equity securities at lower than current market prices.  The Company receives an immediate payment of cash for the value of the option and establishes a liability for the fair value of the option.  The liability for options is adjusted to fair value at each reporting date. In the event an option is exercised, the Company recognizes a gain on the sale of the equity security and a gain on the sale of the option.  If the option expires unexercised, the Company recognizes a gain from the sale of the option.

XML 60 R45.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Allowance For Doubtful Accounts and Loan Losses and Impaired Loans (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Allowance For Doubtful Accounts and Loan Losses and Impaired Loans

Allowance for Doubtful Accounts and Loan Losses and Impaired Loans

 

The Company records an allowance and recognizes an expense for potential losses from mortgage loans, other loans and receivables in accordance with generally accepted accounting principles.

 

Receivables are the result of cemetery and mortuary operations, mortgage loan operations and life insurance operations. The allowance is based upon the Company’s historical experience for collectively evaluated impairment. Other allowances are based upon receivables individually evaluated for impairment. Collectability of the cemetery and mortuary receivables is significantly influenced by current economic conditions. The critical issues that impact recovery of mortgage loan operations are interest rate risk, loan underwriting, new regulations and the overall economy.

 

The Company provides allowances for losses on its mortgage loans held for investment through an allowance for loan losses. The allowance is comprised of two components. The first component is an allowance for collectively evaluated impairment that is based upon the Company’s historical experience in collecting similar receivables. The second component is based upon individual evaluation of loans that are determined to be impaired. Upon determining impairment, the Company establishes an individual impairment allowance based upon an assessment of the fair value of the underlying collateral. See the schedules in Note 2 for additional information. In addition, when a mortgage loan is past due more than 90 days, the Company does not accrue any interest income. When a loan becomes delinquent, the Company proceeds to foreclose on the real estate and all expenses for foreclosure are expensed as incurred. Once foreclosed, an adjustment for the lower of cost or fair value is made, if necessary, and the amount is classified as real estate held for investment. The Company will rent the properties until it is deemed desirable to sell them.

 

The allowance for losses on mortgage loans held for investment could change based on changes in the value of the underlying collateral, the performance status of the loans, or the Company’s actual collection experience. The actual losses could change, in the near term, from the established allowance, based upon the occurrence or non-occurrence of these events.

XML 61 R46.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Loan Loss Reserve (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Loan Loss Reserve

Loan Loss Reserve

 

The mortgage loan loss reserve is an estimate of probable losses at the balance sheet date that the Company will realize in the future on mortgage loans sold to third party investors.

 

The loan loss reserve analysis involves mortgage loans that have been sold to third party investors, which were believed to have met investor underwriting guidelines at the time of sale, where the Company has received a demand from the investor. There are generally three types of demands: make whole, repurchase, or indemnification. These types of demands are more particularly described as follows:

 

Make whole demand – A make whole demand occurs when an investor forecloses on a property and then sells the property. The make whole amount is calculated as the difference between the original unpaid principal balance, accrued interest and fees, less the sale proceeds.

 

Repurchase demand – A repurchase demand usually occurs when there is a significant payment default, error in underwriting or detected loan fraud.

 

Indemnification demand – On certain loans the Company has negotiated a set fee that is to be paid in lieu of repurchase. The fee varies by investor and by loan product type.

 

Additional information related to the Loan Loss Reserve is included in Note 2.

XML 62 R47.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Future Life, Annuity and Other Policy Benefits (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Future Life, Annuity and Other Policy Benefits

Future Life, Annuity and Other Policy Benefits

 

Future policy benefit reserves for traditional life insurance are computed using a net level method, including assumptions as to investment yields, mortality, morbidity, withdrawals, and other assumptions based on the life insurance subsidiaries’ experience, modified as necessary to give effect to anticipated trends and to include provisions for possible unfavorable deviations. Such liabilities are, for some plans, graded to equal statutory values or cash values at or prior to maturity. The range of assumed interest rates for all traditional life insurance policy reserves was 4.5% to 10%. Benefit reserves for traditional limited-payment life insurance policies include the deferred portion of the premiums received during the premium-paying period. Deferred premiums are recognized as income over the life of the policies. Policy benefit claims are charged to expense in the period the claims are incurred. Increases in future policy benefits are charged to expense.

 

Future policy benefit reserves for interest-sensitive insurance products are computed under a retrospective deposit method and represent policy account balances before applicable surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policy account balances. Interest crediting rates for interest-sensitive insurance products ranged from 3% to 6.5%.

XML 63 R48.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Participating Insurance (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Participating Insurance

Participating Insurance

 

Participating business constituted 2% of insurance in force for the years ended 2016, 2015 and 2014. The provision for policyholders’ dividends included in policyholder obligations is based on dividend scales anticipated by management. Amounts to be paid are determined by the Board of Directors.

XML 64 R49.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Reinsurance (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Reinsurance

Reinsurance

 

The Company follows the procedure of reinsuring risks in excess of $100,000 to provide for greater diversification of business to allow management to control exposure to potential losses arising from large risks, and provide additional capacity for growth. The Company remains liable for amounts ceded in the event the reinsurers are unable to meet their obligations.

 

The Company entered into coinsurance agreements with unaffiliated insurance companies under which the Company assumed 100% of the risk for certain life insurance policies and certain other policy-related liabilities of the insurance company.

 

Reinsurance premiums, commissions, expense reimbursements, and reserves related to reinsured business are accounted for on a basis consistent with those used in accounting for the original policies issued and the terms of the reinsurance contracts. Expense allowances received in connection with reinsurance ceded are accounted for as a reduction of the related policy acquisition costs and are deferred and amortized accordingly.

XML 65 R50.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Pre-need Sales and Costs (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Pre-need Sales and Costs

Pre-need Sales and Costs

 

Pre-need contract sales of funeral services and caskets - revenue and costs associated with the sales of pre-need funeral services and caskets are deferred until the services are performed or the caskets are delivered.

 

Sales of cemetery interment rights (cemetery burial property) - revenue and costs associated with the sale of cemetery interment rights are recognized in accordance with the retail land sales provisions based on GAAP. Under GAAP, recognition of revenue and associated costs from constructed cemetery property must be deferred until a minimum percentage of the sales price has been collected.

 

Pre-need contract sales of cemetery merchandise (primarily markers and vaults) - revenue and costs associated with the sale of pre-need cemetery merchandise is deferred until the merchandise is delivered. Pre-need contract sales of cemetery services (primarily merchandise delivery, installation fees and burial opening and closing fees) - revenue and costs associated with the sales of pre-need cemetery services are deferred until the services are performed.

 

Prearranged funeral and pre-need cemetery customer acquisition costs - costs incurred related to obtaining new pre-need contract cemetery and prearranged funeral services are accounted for under the guidance of the provisions based on GAAP. Obtaining costs, which include only costs that vary with and are primarily related to the acquisition of new pre-need cemetery and prearranged funeral services, are deferred until the merchandise is delivered or services are performed.

 

Revenues and costs for at need sales are recorded when a valid contract exists, the services are performed, collection is reasonably assured and there are no significant obligations remaining.

 

The Company, through its cemetery and mortuary operations, provides guaranteed funeral arrangements wherein a prospective customer can receive future goods and services at guaranteed prices. To accomplish this, the Company, through its life insurance operations, sells to the customer an increasing benefit life insurance policy that is assigned to the mortuaries. If, at the time of need, the policyholder/potential mortuary customer utilizes one of the Company’s facilities, the guaranteed funeral arrangement contract that has been assigned will provide the funeral goods and services at the contracted price. The increasing life insurance policy will cover the difference between the original contract prices and current prices. Risks may arise if the difference cannot be fully met by the life insurance policy. However, management believes that given current inflation rates and related price increases of goods and services, the risk of exposure is minimal.

XML 66 R51.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Mortgage Fee Income (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Mortgage Fee Income

Mortgage Fee Income

 

Mortgage fee income consists of origination fees, processing fees and certain other income related to the origination and sale of mortgage loans. For mortgage loans sold to third party investors, mortgage fee income and related expenses are recognized pursuant to GAAP at the time the sales of mortgage loans comply with the sales criteria for the transfer of financial assets, which are: (i) the transferred assets have been isolated from the Company and its creditors, (ii) the transferee has the right to pledge or exchange the mortgage, and (iii) the Company does not maintain effective control over the transferred mortgage.

 

The Company has determined that all three criteria are met at the time a loan is purchased from a third party investor. Until the loan is purchased, all direct selling revenues and costs are deferred.

 

The Company, through its mortgage subsidiaries, sells mortgage loans to third party investors without recourse. However, it may be required to repurchase a loan or pay a fee instead of repurchase under certain events, which include the following:

 

·         Failure to deliver original documents specified by the investor,

·         The existence of misrepresentation or fraud in the origination of the loan,

 

·         The loan becomes delinquent due to nonpayment during the first several months after it is sold,

·         Early pay-off of a loan, as defined by the agreements,

·         Excessive time to settle a loan,

·         Investor declines purchase, and

·         Discontinued product and expired commitment.

 

Loan purchase commitments generally specify a date 30 to 45 days after delivery upon which the underlying loans should be settled. Depending on market conditions, these commitment settlement dates can be extended at a cost to the Company.

 

It is the Company's policy to cure any documentation problems regarding such loans at a minimal cost for up to a six-month time period and to pursue efforts to enforce loan purchase commitments from third-party investors concerning the loans. The Company believes that six months allows adequate time to remedy any documentation issues, to enforce purchase commitments, and to exhaust other alternatives. Remedial methods include the following:

 

·         Research reasons for rejection,

·         Provide additional documents,

·         Request investor exceptions,

·         Appeal rejection decision to purchase committee, and

·         Commit to secondary investors.

 

Once purchase commitments have expired and other alternatives to remedy are exhausted, which could be earlier than the six-month time period, the loans are repurchased and transferred to the long-term investment portfolio at the lower of cost or fair value and previously recorded sales revenue that was to be received from a third-party investor is written off against the loan loss reserve. Any loan that later becomes delinquent is evaluated by the Company at that time and any impairment is adjusted accordingly.

 

Determining Lower of Cost or Market

 

Cost is equal to the amount paid to the warehouse bank and the amount originally funded by the Company. Market value is often difficult to determine, but is based on the following:

 

·         For loans that have an active market the Company uses the market price on the repurchased date.

·         For loans where there is no market but there is a similar product, the Company uses the market value for the similar product on the repurchased date.

·         For loans where no active market exists on the repurchased date, the Company determines that the unpaid principal balance best approximates the market value on the repurchased date, after considering the fair value of the underlying real estate collateral and estimated future cash flows.

 

The appraised value of the real estate underlying the original mortgage loan adds support to the Company’s determination of fair value because if the loan becomes delinquent, the Company has sufficient value to collect the unpaid principal balance or the carrying value of the loan. In determining the market value on the date of repurchase, the Company considers the total value of all of the loans because any sale of loans would be made as a pool.

 

The Company provides an allowance for loan losses on its mortgage loans held for investment. The allowance is comprised of two components. The first component is an allowance for collectively evaluated impairment that is based upon the Company’s historical experience in collecting similar receivables. The second component is based upon individual evaluation of loans that are determined to be impaired.

 

Commercial Loans

 

Each quarter, management reviews the current commercial loans and determines if an allowance is required based on the Company’s actual experience of losses on impaired commercial loans. To date, the Company has not incurred any significant losses. The carrying value of all commercial loans is supported by appraisals and cash flow analysis of revenue received. Also, the Company does not accrue any interest income or capitalize any of the foreclosure costs on impaired commercial loans.

 

Residential and Construction Loans

The Company believes that in an orderly market fair value will approximate the replacement cost of a home and the rental income provides a cash flow stream for investment analysis. The Company believes the highest and best use of the properties are as income producing assets since it is the Company’s intent to hold the properties as rental properties, matching the income from the investment in rental properties with the funds required for future estimated policy claims. Accordingly, the fair value determination will be weighted more heavily toward the rental analysis.

 

It should be noted that for replacement cost, when determining the fair value of mortgage properties, the Company uses Marshall and Swift, a provider of building cost information to the real estate construction industry. For the investment analysis, the Company used market data based upon its real estate operation experience and projected the present value of the net rental income over seven years. The Company used 20% of the projected cash flow analysis and 80% of the replacement cost to approximate fair value of the collateral.

 

Each quarter the Company also analyzes its current loan portfolio and determines the level of allowance needed for loans that are listed as current in the portfolio. The basis of the analysis places a higher weight on loans with high loan to value ratios, those that lack mortgage insurance, and certain loan types that have a higher percentage of default based on the Company’s experience.

 

Each quarter the Company makes further analysis of the foreclosed properties to determine if any additional allowances are necessary by comparing national indexes of loan to value ratios by region to the Company’s loan to value ratios. Based upon the above procedures, the Company’s management believes that residential and residential construction loans are reflected in the Company’s financial statements at the lower of cost or market in accordance with GAAP requirements.

XML 67 R52.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Goodwill (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Goodwill

Goodwill

 

Previous acquisitions have been accounted for as purchases under which assets acquired and liabilities assumed were recorded at their fair values with the excess purchase price recognized as goodwill. The Company evaluates annually or when changes in circumstances warrant the recoverability of goodwill and if there is a decrease in value, the related impairment is recognized as a charge against income. No impairment of goodwill has been recognized in the accompanying financial statements.

XML 68 R53.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Long-lived Assets (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Long-lived Assets

Long-lived Assets

 

Long-lived assets to be held and used are reviewed for impairment whenever events or changes in circumstances indicate that the related carrying amount may not be recoverable. When required, impairment losses on assets to be held and used are recognized based on the fair value of the asset, and long-lived assets to be disposed of are reported at the lower of carrying amount or fair value less costs to sell. No impairment of long-lived assets has been recognized in the accompanying financial statements.

XML 69 R54.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Income Taxes (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Income Taxes

Income Taxes

 

Income taxes include taxes currently payable plus deferred taxes. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to the temporary differences in the financial reporting basis and tax basis of assets and liabilities and operating loss carry-forwards. Deferred tax assets are measured using enacted tax rates expected to apply to taxable income in the years in which these temporary differences are expected to be recovered or settled.

                                                                                                                                            

Liabilities are established for uncertain tax positions expected to be taken in income tax returns when such positions are judged to meet the “more-likely-than-not” threshold based on the technical merits of the positions. Estimated interest and penalties related to uncertain tax penalties are included as a component of other expenses.

XML 70 R55.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Earnings Per Common Share (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Earnings Per Common Share

Earnings Per Common Share

 

The Company computes earnings per share in accordance with GAAP which requires presentation of basic and diluted earnings per share. Basic earnings per equivalent Class A common share are computed by dividing net earnings by the weighted-average number of Class A common shares outstanding during each year presented, after the effect of the assumed conversion of Class C common stock to Class A common stock. Diluted earnings per share is computed by dividing net earnings by the weighted-average number of common shares outstanding during the year used to compute basic earnings per share plus dilutive potential incremental shares. Basic and diluted earnings per share amounts have been adjusted retroactively for the effect of annual stock dividends.

XML 71 R56.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Stock Based Compensation (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Stock Based Compensation

Stock Based Compensation

 

The cost of employee services received in exchange for an award of equity instruments is recognized in the financial statements and is measured based on the fair value on the grant date of the award. The fair value of stock options is calculated using the Black Scholes method. Stock option compensation expense is recognized over the period during which an employee is required to provide service in exchange for the award.

XML 72 R57.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Concentration of Credit Risk (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Concentration of Credit Risk

Concentration of Credit Risk

 

For a description of the geographic concentration risk regarding mortgage loans and real estate, refer to Note 2 of the Notes to Consolidated Financial Statements.

XML 73 R58.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Advertising (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Advertising

Advertising

 

The Company expenses advertising costs as incurred.

XML 74 R59.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 1: Significant Accounting Policies: Recent Accounting Pronouncements (Policies)
12 Months Ended
Dec. 31, 2016
Policies  
Recent Accounting Pronouncements

Recent Accounting Pronouncements

 

ASU No. 2016-13: “Financial Instruments – Credit Losses (Topic 326)” – Issued in June 2016, ASU 2016-13 amends guidance on reporting credit losses for assets held at amortized cost basis and available for sale debt securities. For assets held at amortized cost basis, Topic 326 eliminates the probable initial recognition threshold in current generally accepted accounting principles (“GAAP”) and, instead, requires an entity to reflect its current estimate of all expected credit losses. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of the financial assets to present the net amount expected to be collected. For available for sale debt securities, credit losses should be measured in a manner similar to current GAAP, however Topic 326 will require that credit losses be presented as an allowance rather than as a write-down. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2019. The Company is in the process of evaluating the potential impact of this standard.

 

ASU No. 2016-02: “Leases (Topic 842)” - Issued in February 2016, ASU 2016-02 supersedes the leases requirements in ASC Topic 840, “Leases”, and was issued to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2018. The Company is in the process of evaluating the potential impact of this standard.

 

ASU No. 2016-01: “Financial Instruments – Overall (Topic 825-10)” – Issued in January 2016, ASU 2016-01 changes the accounting for non-consolidated equity investments that are not accounted for under the equity method of accounting by requiring changes in fair value to be recognized in income. Under current guidance, changes in fair value for investments of this nature are recognized in accumulated other comprehensive income as a component of stockholders’ equity.  Additionally, ASU 2016-01 simplifies the impairment assessment of equity investments without readily determinable fair values; requires entities to use the exit price when estimating the fair value of financial instruments; and modifies various presentation disclosure requirements for financial instruments.  The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2017. The Company is in the process of evaluating the potential impact of this standard.

 

ASU No. 2014-09: “Revenue from Contracts with Customers (Topic 606)” - Issued in May 2014, ASU 2014-09 supersedes the revenue recognition requirements in ASC Topic 605, “Revenue Recognition”, and requires entities to recognize revenue in a way that depicts the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. Insurance contracts are excluded from the scope of this new guidance. The new authoritative guidance is effective for interim and annual periods beginning after December 15, 2017. The Company is in the process of evaluating the potential impact of this standard, which is not expected to be material to the Company’s results of operations or financial position.

 

The Company has reviewed other recent accounting pronouncements and has determined that they will not significantly impact the Company’s results of operations or financial position.

XML 75 R60.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Held-to-maturity Securities (Tables)
12 Months Ended
Dec. 31, 2016
AsOfDecember312016Member  
Held-to-maturity Securities

 

Amortized Cost

Gross Unrealized Gains

Gross Unrealized Losses

Estimated Fair Value

December 31, 2016:

 

Fixed maturity securities held to maturity carried at amortized cost:

U.S. Treasury securities and obligations of U.S. Government agencies

$         4,475,065

$          249,028

$           (66,111)

$          4,657,982

    

Obligations of states and political subdivisions

6,017,225

153,514

(133,249)

6,037,490

Corporate securities including public utilities

164,375,636

10,440,989

(3,727,013)

171,089,612

Mortgage-backed securities

9,488,083

221,400

(280,871)

9,428,612

Redeemable preferred stock

623,635

               13,418

                       -  

637,053

 

 

 

 

Total fixed maturity securities held to maturity

$     184,979,644

$     11,078,349

$      (4,207,244)

$      191,850,749

Equity securities available for sale at estimated fair value:

Common stock:

Industrial, miscellaneous and all other

$       10,985,338

$          447,110

$         (859,092)

$        10,573,356

Total securities available for sale carried at estimated fair value

$       10,985,338

$          447,110

$         (859,092)

$        10,573,356

Mortgage loans on real estate and construction loans held for investment at amortized cost:

Residential

$       58,593,622

Residential construction

          40,800,117

Commercial

          51,536,622

Less: Allowance for loan losses

          (1,748,783)

Total mortgage loans on real estate and construction loans held for investment

$     149,181,578

Real estate held for investment - net of depreciation

$     145,165,921

Policy loans and other investments are shown at amortized cost except for other investments that are shown at estimated fair value:

Policy loans

$         6,694,148

Insurance assignments

          33,548,079

Promissory notes

                 48,797

Other investments at estimated fair value

            1,765,752

Less: Allowance for doubtful accounts

          (1,119,630)

Total policy loans and other investments

$       40,937,146

Short-term investments at amortized cost

$       27,560,040

AsOfDecember312015Member  
Held-to-maturity Securities

 

Amortized Cost

Gross Unrealized Gains

Gross Unrealized Losses

Estimated Fair Value

December 31, 2015:

 

Fixed maturity securities held to maturity carried at amortized cost:

U.S. Treasury securities and obligations of U.S. Government agencies

$         3,560,579

$          292,869

$             (4,743)

$         3,848,705

    

Obligations of states and political subdivisions

1,805,828

182,073

(1,040)

1,986,861

Corporate securities including public utilities

134,488,108

9,836,355

(5,501,743)

138,822,720

Mortgage-backed securities

5,091,887

190,867

(75,580)

5,207,174

Redeemable preferred stock

612,023

               29,675

 -

641,698

Total fixed maturity securities held to maturity

$     145,558,425

$     10,531,839

$      (5,583,106)

$     150,507,158

Equity securities available for sale at estimated fair value:

Common stock:

Industrial, miscellaneous and all other

$         9,891,500

$          213,684

$      (1,674,094)

$         8,431,090

Total securities available for sale carried at estimated fair value

$         9,891,500

$          213,684

$      (1,674,094)

$         8,431,090

Mortgage loans on real estate and construction loans held for investment at amortized cost:

Residential

$       46,020,490

Residential construction

          34,851,557

Commercial

          33,522,978

Less: Allowance for loan losses

          (1,848,120)

Total mortgage loans on real estate and construction loans held for investment

$     112,546,905

Real estate held for investment - net of depreciation

$     114,852,432

Policy loans and other investments are shown at amortized cost except for other investments that are shown at estimated fair value:

Policy loans

$         6,896,457

Insurance assignments

          32,369,014

Promissory notes

                 48,797

Other investments at estimated fair value

            1,174,769

Less: Allowance for doubtful accounts

             (906,616)

Total policy loans and other investments

$       39,582,421

Short-term investments at amortized cost

$       16,915,808

XML 76 R61.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Schedule of Unrealized Loss on Investments (Tables)
12 Months Ended
Dec. 31, 2016
Fixed Maturities | AsOfDecember312016Member  
Schedule of Unrealized Loss on Investments

 

 

 

Unrealized Losses for Less than Twelve Months

Fair Value

Unrealized Losses for More than Twelve Months

Fair Value

Total Unrealized Loss

 

Fair Value

At December 31, 2016

U.S. Treasury Securities and Obligations

    of U.S. Government Agencies

 $          66,111

 $     1,342,088

 $                    -

 $                    -

 $          66,111

 $     1,342,088

Obligations of States and

    Political Subdivisions

           133,249

        3,686,856

                       -

                       -

           133,249

        3,686,856

Corporate Securities

        1,728,312

      41,796,016

        1,998,701

      12,969,135

        3,727,013

      54,765,151

Mortgage and other

asset-backed securities

           176,715

        4,176,089

           104,156

           940,278

           280,871

        5,116,367

Total unrealized losses

 $     2,104,387

 $   51,001,049

 $     2,102,857

 $   13,909,413

 $     4,207,244

 $   64,910,462

 

Fixed Maturities | AsOfDecember312015Member  
Schedule of Unrealized Loss on Investments

 

 

Unrealized Losses for Less than Twelve Months

 

Fair Value

 

Unrealized Losses for More than Twelve Months

 

Fair Value

 

Total Unrealized Loss

 

Fair Value

At December 31, 2015

U.S. Treasury Securities and Obligations

     of U.S. Government Agencies

$            4,743

 $     2,191,782

 $                    -

 $                    -

 $            4,743

 $     2,191,782

Obligations of States and

    Political Subdivisions

 

                       -

 

                       -

 

               1,040

 

             86,388

 

               1,040

 

             86,388

Corporate Securities

 

        3,701,572

 

      30,109,114

 

        1,800,171

 

        3,723,569

 

        5,501,743

 

      33,832,683

Mortgage and other

asset-backed securities

 

             75,580

 

        1,775,505

 

                       -

 

                       -

 

             75,580

 

        1,775,505

Total unrealized losses

 

 $ 3,781,895

 

 $   34,076,401

 

 $     1,801,211

 

 $     3,809,957

 

 $     5,583,106

 

 $   37,886,358

Equity Securities  
Schedule of Unrealized Loss on Investments

 

 

 

Unrealized Losses for Less than Twelve Months

No. of Investment Positions

Unrealized Losses for More than Twelve Months

No. of Investment Positions

Total Unrealized Losses

At December 31, 2016

Industrial, miscellaneous and all other

$    215,563

124

$    643,529

104

$    859,092

Total unrealized losses

$    215,563

124

$    643,529

104

$    859,092

Fair Value

$ 2,063,144

$ 1,685,874

$ 3,749,018

At December 31, 2015

Industrial, miscellaneous and all other

$    997,862

222

$    676,232

74

$ 1,674,094

Total unrealized losses

$    997,862

222

$    676,232

74

$ 1,674,094

Fair Value

$ 4,177,709

$    760,860

$ 4,938,569

XML 77 R62.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Investments Classified by Contractual Maturity Date (Tables)
12 Months Ended
Dec. 31, 2016
Held-to-maturity Securities  
Investments Classified by Contractual Maturity Date

 

Amortized

Estimated Fair

 

   Cost   

    Value      

Held to Maturity:

Due in 2017

 $           6,148,334

 $           6,232,674

Due in 2018 through 2021

            42,886,637

            44,879,897

Due in 2022 through 2026

            42,090,383

            43,288,035

Due after 2026

            83,742,572

            87,324,617

Mortgage-backed securities

              9,488,083

              9,488,473

Redeemable preferred stock

                 623,635

                 637,053

Total held to maturity

 $       184,979,644

 $       191,850,749

Available-for-sale Securities  
Investments Classified by Contractual Maturity Date

 

 Estimated Fair

 Cost

     Value      

Available for Sale:

Common stock

$         10,985,338

$         10,573,356

Total available for sale

 $         10,985,338

 $         10,573,356

XML 78 R63.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Gain (Loss) on Investments (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Gain (Loss) on Investments

 

2016

2015

2014

Fixed maturity securities held

to maturity:

Gross realized gains

 $         389,558

 $         387,162

 $         390,203

Gross realized losses

          (132,124)

            (82,166)

            (71,800)

      Other than temporary impairments

          (100,000)

          (120,000)

          (120,000)

Securities available for sale:

Gross realized gains

            221,817

            180,602

            349,207

Gross realized losses

            (61,242)

            (66,850)

            (55,222)

      Other than temporary impairments

          (170,358)

          (293,714)

            (44,240)

Other assets:

Gross realized gains

            349,252

         2,067,438

         1,445,596

Gross realized losses

          (943,648)

            (84,827)

          (139,808)

      Other than temporary impairments

                        -

          (191,716)

                        -

Total

 $       (446,745)

 $      1,795,929

 $      1,753,936

XML 79 R64.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Schedule of Major categories of net investment income (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Major categories of net investment income

 

 

2016

2015

2014

Fixed maturity securities

 $  8,972,877

 $  8,168,441

 $  8,229,451

Equity securities

        270,942

        269,795

        212,917

Mortgage loans on real estate

     8,963,105

     7,696,533

     7,550,110

Real estate

   10,969,828

     9,454,567

     8,433,895

Policy loans

        781,188

        749,917

        741,220

Insurance assignments

   11,876,836

     8,915,655

     7,324,964

Other investments

         25,122

           6,533

                  -

Short-term investments, principally gains on    sale of mortgage loans

     4,976,180

     7,594,014

     5,072,418

Gross investment income

   46,836,078

   42,855,455

   37,564,975

Investment expenses

    (9,253,634)

    (8,847,551)

    (9,261,235)

Net investment income

 $ 37,582,444

 $ 34,007,904

 $ 28,303,740

 

XML 80 R65.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Commercial Real Estate Investment (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Commercial Real Estate Investment

 

Net Ending Balance

Total Square Footage

December 31

December 31

2016

2015

2016

2015

Arizona

$     450,538

(1)

$     463,774

(1)

   16,270

   16,270

Arkansas

        100,369

                  -

     3,200

           -

Kansas

   12,450,297

   11,537,335

 222,679

 222,679

Louisiana

        518,700

                  -

     7,063

           -

Mississippi

     3,818,985

                  -

   33,821

           -

New Mexico

           7,000

(1)

           7,000

(1)

           -

           -

Texas

     3,734,974

     3,768,542

   23,470

   23,470

Utah

   47,893,073

(2)

   17,403,746

433,244

253,244

$ 68,973,936

$ 33,180,397

739,747

515,663

                 

(1) Includes Vacant Land

(2) Includes 53rd Center to be completed in July 2017.

XML 81 R66.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Residential Real Estate Investment (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Residential Real Estate Investment

 

Net Ending Balance

December 31

2016

2015

Arizona

$       742,259

$     944,614

California

       5,848,389

     6,158,253

Colorado

          364,489

        553,230

Florida

       8,327,355

     9,203,624

Illinois

                    -

        165,800

Oklahoma

           46,658

         99,862

Oregon

                    -

        120,000

South Carolina

                    -

        823,872

Texas

       1,091,188

     1,198,860

Utah

     59,485,466

   62,117,738

Washington

          286,181

        286,182

$   76,191,985

$ 81,672,035

XML 82 R67.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: The Following Is A Summary of The Allowance For Loan Losses As A Contra-asset Account For The Periods Presented (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
The Following Is A Summary of The Allowance For Loan Losses As A Contra-asset Account For The Periods Presented:

 

Allowance for Credit Losses and Recorded Investment in Mortgage Loans

Years Ended December 31

Commercial

Residential

Residential Construction

Total

2016

Allowance for credit losses:

Beginning balance

 $      187,129

 $   1,560,877

 $      100,114

 $     1,848,120

   Charge-offs

                     -

       (420,135)

                     -

          (420,135)

   Provision

                     -

         320,798

                     -

           320,798

Ending balance

 $      187,129

 $   1,461,540

 $      100,114

 $     1,748,783

Ending balance: individually evaluated for impairment

 $                  -

 $      187,470

 $                  -

 $        187,470

Ending balance: collectively evaluated for impairment

 $      187,129

 $   1,274,070

 $      100,114

 $     1,561,313

Ending balance: loans acquired with deteriorated credit quality

 $                  -

 $                  -

 $                  -

 $                    -

Mortgage loans:

Ending balance

 $ 51,536,622

 $ 58,593,622

 $ 40,800,117

 $ 150,930,361

Ending balance: individually evaluated for impairment

 $      202,992

 $   2,916,538

 $        64,895

 $     3,184,425

Ending balance: collectively evaluated for impairment

 $ 51,333,630

 $ 55,677,084

 $ 40,735,222

 $ 147,745,936

Ending balance: loans acquired with deteriorated credit quality

 $                  -

 $                  -

 $                  -

 $                    -

2015

Allowance for credit losses:

Beginning balance

 $      187,129

 $   1,715,812

 $      100,114

 $     2,003,055

   Charge-offs

                     -

       (123,942)

                     -

          (123,942)

   Provision

                     -

         (30,993)

                     -

            (30,993)

Ending balance

 $      187,129

 $   1,560,877

 $      100,114

 $     1,848,120

Ending balance: individually evaluated for impairment

 $                  -

 $      305,962

 $                  -

 $        305,962

Ending balance: collectively evaluated for impairment

 $      187,129

 $   1,254,915

 $      100,114

 $     1,542,158

Ending balance: loans acquired with deteriorated credit quality

 $                  -

 $                  -

 $                  -

 $                    -

Mortgage loans:

Ending balance

 $ 33,522,978

 $ 46,020,490

 $ 34,851,557

 $ 114,395,025

Ending balance: individually evaluated for impairment

 $                  -

 $   3,087,161

 $        93,269

 $     3,180,430

Ending balance: collectively evaluated for impairment

 $ 33,522,978

 $ 42,933,329

 $ 34,758,287

 $ 111,214,594

Ending balance: loans acquired with deteriorated credit quality

 $                  -

 $                  -

 $                  -

 $                    -

XML 83 R68.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Schedule of aging of mortgage loans (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of aging of mortgage loans

Age Analysis of Past Due Mortgage Loans

Years Ended December 31

 

 30-59 Days Past Due

 60-89 Days Past Due

Greater Than 90 Days 1)

In Process of Foreclosure 1)

Total Past Due

Current

Total Mortgage Loans

Allowance for Loan Losses

Net Mortgage Loans

2016

Commercial

 $                        -

 $                       -

 $                       -

 $          202,992

 $          202,992

 $         51,333,630

 $           51,536,622

 $           (187,129)

 $        51,349,493

Residential

             964,960

             996,779

          1,290,355

             1,626,183

           4,878,277

             53,715,345

              58,593,622

           (1,461,540)

            57,132,082

Residential   Construction

                            -

                           -

               64,895

                             -

                 64,895

            40,735,222

                40,800,117

                (100,114)

           40,700,003

Total

 $         964,960

 $         996,779

 $      1,355,250

 $         1,829,175

 $         5,146,164

 $       145,784,197

 $         150,930,361

 $      (1,748,783)

 $        149,181,578

2015

Commercial

 $                        -

 $                       -

 $                       -

 $                         -

 $                         -

 $        33,522,978

 $          33,522,978

 $           (187,129)

 $       33,335,849

Residential

             1,162,102

              884,143

          2,212,993

             3,087,161

           7,346,399

             38,674,091

              46,020,490

          (1,560,877)

            44,459,613

Residential   Construction

                            -

                           -

               64,895

                 93,269

                158,164

            34,693,393

               34,851,557

                (100,114)

            34,751,443

Total

 $         1,162,102

 $          884,143

 $     2,277,888

 $        3,180,430

 $       7,504,563

 $      106,890,462

 $         114,395,025

 $       (1,848,120)

 $       112,546,905

                   

1)  There was not any interest income recognized on loans past due greater than 90 days or in foreclosure.

 

XML 84 R69.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Schedule of Impaired Mortgage Loans (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Impaired Mortgage Loans

 

Impaired Loans

Years Ended December 31

 Recorded Investment

Unpaid Principal Balance

Related Allowance

 Average Recorded Investment

Interest Income Recognized

2016

With no related allowance recorded:

   Commercial

$    202,992

$      202,992

 $                -

$          202,992

 $                -

   Residential

                   -

                     -

                   -

                         -

                   -

   Residential construction

         64,895

           64,895

                   -

               64,895

                   -

With an allowance recorded:

   Commercial

 $                -

 $                  -

 $                -

 $                      -

 $                -

   Residential

    2,916,538

      2,916,538

       374,501

          2,916,538

                   -

   Residential construction

                   -

                     -

                   -

                         -

                   -

Total:

   Commercial

$    202,992

$      202,992

 $                -

$          202,992

 $                -

   Residential

    2,916,538

      2,916,538

       374,501

          2,916,538

                   -

   Residential construction

         64,895

           64,895

                   -

               64,895

                   -

2015

With no related allowance recorded:

   Commercial

 $                -

 $                  -

 $                -

 $                      -

 $                -

   Residential

                   -

                     -

                   -

                         -

                   -

   Residential construction

         93,269

           93,269

                   -

               93,269

                   -

With an allowance recorded:

   Commercial

 $                -

 $                  -

 $                -

 $                      -

 $                -

   Residential

    3,087,161

      3,087,161

       305,962

          3,087,161

                   -

   Residential construction

                   -

                     -

                   -

                         -

                   -

Total:

   Commercial

 $                -

 $                  -

 $                -

 $                      -

 $                -

   Residential

    3,087,161

      3,087,161

       305,962

          3,087,161

                   -

   Residential construction

         93,269

           93,269

                   -

               93,269

                   -

XML 85 R70.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: The Company's Performing and Non-performing Mortgage Loans Were As Follows (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
The Company's Performing and Non-performing Mortgage Loans Were As Follows:

The Company’s performing and non-performing mortgage loans were as follows:

 

Mortgage Loan Credit Exposure

Credit Risk Profile Based on Payment Activity

Years Ended December 31

 Commercial

 Residential

 Residential Construction

 Total

 

2016

2015

2016

2015

2016

2015

2016

2015

Performing

 $  51,333,630

 $  33,522,978

 $     55,677,084

 $ 40,720,336

 $   40,735,222

 $  34,693,393

 $       147,745,936

 $  108,936,707

Non-performing

           202,992

                           -

             2,916,538

         5,300,154

                64,895

              158,164

                3,184,425

           5,458,318

Total

 $  51,536,622

 $  33,522,978

 $     58,593,622

 $ 46,020,490

 $     40,800,117

 $   34,851,557

 $        150,930,361

 $   114,395,025

XML 86 R71.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Schedule of Mortgate loans on a nonaccrual status (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Mortgate loans on a nonaccrual status

 

Mortgage Loans on Non-accrual Status

Years Ended December 31

2016

2015

Commercial

 $              202,992

 $                          -

Residential

              2,916,538

               5,300,154

Residential construction

                   64,895

                  158,164

Total

 $           3,184,425

 $            5,458,318

XML 87 R72.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Schedule of Principal amounts due on mortgage loans on real estate and construction loans held for investment by category (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Principal amounts due on mortgage loans on real estate and construction loans held for investment by category

 

  Principal 

  Principal 

  Principal 

 Amounts

 Amounts

 Amounts

Due in

Due in

Due

Total

2017

2018-2021

Thereafter

Residential 

 $      58,593,622

 $    6,115,360

 $ 11,916,728

 $ 40,561,534

Residential Construction

         40,800,117

     32,504,143

      8,295,974

                -  

Commercial

         51,536,622

     26,697,442

    20,682,311

      4,156,869

Total

 $    150,930,361

 $  65,316,945

 $ 40,895,013

 $ 44,718,403

XML 88 R73.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Schedule of loan loss reserve which is included in other liabilities and accrued expenses (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of loan loss reserve which is included in other liabilities and accrued expenses

 

December 31

2016

(As Restated)

2015

(As Restated)

Balance, beginning of period

 $          2,805,900

 $          1,718,150

Provision for current loan originations (1)

 

             2,988,754

 

             2,845,940

Additional provision for loan loss reserve

             1700,000

             3,449,103

Charge-offs and settlements

           (6,866,921)

           (5,207,293)

Balance, at December 31

 $             627,733

 $          2,805,900

 

 

 

 

 

(1)                Included in Mortgage fee income

 

 

 

 

XML 89 R74.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 3: Receivables: Schedule of Receivables (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Receivables

Receivables consist of the following:

 

December 31

2016

(As Restated)

2015

(As Restated)

Trade contracts

 $        3,482,175

 $        2,890,489

Receivables from sales agents

             4,016,393

             3,280,423

Held in Escrow – Southern Security

                107,388

                245,088

Other

             1,122,890

             1,345,690

Total receivables

           8,728,846

           7,761,690

Allowance for doubtful accounts

           (2,355,482)

           (1,700,696)

Net receivables

 $        6,373,364

 $        6,060,994

XML 90 R75.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 4: Value of Business Acquired: Schedule of Value of Business Acquired (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Value of Business Acquired

 

December 31

2016

2015

Balance at beginning of year

 $      8,743,773

 $      8,547,627

Value of  business acquired

                     -

         1,473,272

Imputed interest at 7%

             45,762

           590,108

Amortization

       (1,219,235)

       (1,867,234)

Net amortization charged to income

       (1,173,473)

       (1,277,126)

Balance at end of year

 $      7,570,300

 $      8,743,773

 

XML 91 R76.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 4: Value of Business Acquired: Goodwill and Intangible Assets Disclosure (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Goodwill and Intangible Assets Disclosure

 

December 31

2016

2015

Balance at beginning of year

$      2,765,570

$      2,765,570

Goodwill acquired

                     -

                     -

Other

                     -

                     -

 

 

Balance at end of year

$      2,765,570

$      2,765,570

XML 92 R77.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 5: Property and Equipment: Property, Plant and Equipment (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Property, Plant and Equipment

 

December 31

2016

2015

 Land and buildings

 $          9,155,665

 $        13,126,195

 Furniture and equipment

           19,548,521

           16,613,862

 

           28,704,186

           29,740,057

Less accumulated depreciation

         (19,912,664)

         (18,298,397)

Total

 $          8,791,522

 $        11,441,660

XML 93 R78.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 6: Bank and Other Loans Payable: Summary of Bank Loans Payable (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Summary of Bank Loans Payable

 

 December 31

 

2016

(As Restated)

2015

(As Restated)

1.65% above the monthly LIBOR rate (0.625% at December 31, 2016) note payable in monthly installments of $13,741 including principal and interest, collateralized by real property with a book value of approximately $498,000, due November 2017.  

 $      147,346

 $      312,240

Mark to market of interest rate swaps (discussed below) adjustment

            3,308

          13,947

6.50% note payable in monthly installments of $1,702 including principal and interest, collateralized by real property with a book value of approximately $278,000, due October 2041.  

        251,072

                  -

2.25% above the monthly LIBOR rate (0.625% at December 31, 2016) plus 1/16th of the monthly LIBOR rate note payable in monthly principal payments of $13,167 plus interest, collateralized by real property with a book value of approximately $4,564,000, due October 2021.

      3,133,787

      3,260,266

3.85% note payable in monthly installments of $86,059 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due January 2018.

      1,093,349

      2,062,512

4.27% note payable in monthly installments of $53,881 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due November 2021.

      2,904,354

                  -

4.40% note payable in monthly installments of $46,825 including principal and interest, collateralized by real property with a book value of approximately $12,060,000, due January 2026.

      7,927,526

      8,135,438

4.329% note payable in monthly installments of $9,775 including principal and interest, collateralized by real property with a book value of approximately $3,048,000, due September 2025.

      1,992,056

      2,020,993

2.5% above the monthly LIBOR rate (0.625% at December 31, 2016) plus 1/16th of the monthly LIBOR rate construction loan payable, collateralized by real property with a book value of approximately $31,835,000, due August 2019.

      8,777,941

                  -

2.60% above 90 day LIBOR rate (0.99789% at December 31, 2016) note payable in monthly installments of approximately $123,800, collateralized by real property with a book value of approximately $35,798,000, due October 2019.

    27,377,114

    24,933,346

1 month LIBOR rate (0.625% at December 31, 2016) plus 3% loan purchase agreement with a warehouse line availability of $100,000,000, matures June 2018

 

    76,843,180

 

    61,302,069

 

 

 

 

 

1 month LIBOR rate (0.625% at December 31, 2016) plus 3% loan purchase agreement with a warehouse line availability of $100,000,000, matures September 2017

 

    21,578,951

 

    28,794,630

 

 

 

 

 

Other collateralized bank loans payable

        109,734

        169,212

Other notes payable

              961

              961

Total bank and other loans

    152,140,679

    131,005,614

Less current installments

      101,177,574

    119,734,751

Bank and other loans, excluding current installments

$ 50,963,105

$ 11,270,863

XML 94 R79.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 6: Bank and Other Loans Payable: Schedule of combined maturities of bank loans payable, lines of credit and notes and contracts payable (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of combined maturities of bank loans payable, lines of credit and notes and contracts payable

 

2017

$     101,177,574

2018

        1,539,638

2019

      36,128,905

2020

        1,066,254

2021

        3,436,591

Thereafter

        8,791,717

Total

$    152,140,679

 

XML 95 R80.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 7: Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds: Schedule of the components of the cemetery perpetual care obligation (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of the components of the cemetery perpetual care obligation

 

December 31

2016

2015

Trust investments, at market value

 $     4,131,885

 $     2,848,759

Note receivables from Cottonwood Mortuary

Singing Hills Cemetery and Memorial Estates

eliminated in consolidation

        1,725,714

        1,780,618

Total trust assets

        5,857,599

        4,629,377

Cemetery perpetual care obligation

      (3,598,580)

      (3,465,771)

Fair value of trust assets in excess of trust obligations

 $     2,259,019

 $     1,163,606

XML 96 R81.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 7: Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds: Schedule of Restricted Assets in Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Restricted Assets in Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds

 

December 31

2016

2015

Cash and cash equivalents

 $     8,070,972

 $     7,206,863

Mutual funds

          645,241

          596,994

Fixed maturity securities

              8,775

              8,775

Equity securities

            91,362

            89,450

Participating in mortgage loans with Security National Life

        1,575,044

        1,457,720

Total

 $   10,391,394

 $     9,359,802

XML 97 R82.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 8: Income Taxes: Summary of Income Tax Liability (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Summary of Income Tax Liability

 

December 31

2016

(As Restated)

2015

(As Restated)

Current

 $ (1,511,762)

 $   (215,366)

Deferred

   25,830,631

   20,628,255

Total

 $ 24,318,869

 $ 20,412,889

XML 98 R83.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 8: Income Taxes: Schedule of components of Deferred Tax Liabilities (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of components of Deferred Tax Liabilities

 

December 31

2016

(As Restated)

2015

(As Restated)

Assets

Future policy benefits

 $ (9,719,058)

 $ (7,551,336)

Loan loss reserve

        (288,590)

    (1,163,700)

Unearned premium

     (1,519,722)

    (1,610,684)

Available for sale securities

         (51,266)

      (150,984)

Net operating loss

     (1,531,160)

      (588,537)

Deferred compensation

     (2,225,208)

    (1,994,927)

Deposit obligations

     (1,033,580)

    (1,026,984)

Other

     (3,384,144)

    (3,694,959)

Less: Valuation allowance

       431,802

     -

Total deferred tax assets

   (19,320,926)

  (17,782,111)

Liabilities

Deferred policy acquisition costs

     18,150,517

   14,838,604

Basis difference in property and equipment

     10,749,036

     9,375,146

Value of business acquired

       2,573,902

     2,972,883

Deferred gains

       9,290,123

     6,902,888

Trusts

       1,599,657

     1,599,657

Tax on unrealized appreciation

       2,788,322

     2,721,188

Total deferred tax liabilities

     45,151,557

   38,410,366

Net deferred tax liability

 $  25,830,631

 $ 20,628,255

XML 99 R84.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 8: Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Components of Income Tax Expense (Benefit)

 

2016

(As Restated)

2015

(As Restated)

2014

(As Restated)

Current

  Federal

 $    1,138,196

 $    2,423,846

 $    1,532,539

  State

         245,764

         412,175

         121,124

 

       1,383,960

       2,836,021

       1,653,663

Deferred

  Federal

       5,686,651

       4,413,336

       3,406,545

  State

         443,993

         412,674

         449,911

 

       6,130,644

       4,826,010

       3,856,456

Total

 

 $    7,514,604

 

 $    7,662,031

 

 $    5,510,119

XML 100 R85.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 8: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Effective Income Tax Rate Reconciliation

 

2016

(As Restated)

2015

(As Restated)

2014

(As Restated)

Computed expense at statutory rate

 $    6,699,099

 $    7,144,580

 $    4,667,165

State tax expense, net of federal tax benefit

         455,240

         544,400

         376,883

Change in valuation allowance

         431,802

                   -

                   -

Other, net

         (71,537)

         (26,949)

         466,071

Tax expense

 $    7,514,604

 $    7,662,031

 $    5,510,119

XML 101 R86.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 9: Reinsurance, Commitments and Contingencies: Schedule of Future Minimum Rental Payments for Operating Leases (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Future Minimum Rental Payments for Operating Leases

 

Years Ending

December 31

2017

$       6,556,093

2018

          4,121,399

2019

         2,583,941

2020

          1,151,873

2021

             496,713

Total

$     14,910,019

XML 102 R87.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 11: Capital Stock: Schedule of Activity in shares of capital stock (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Activity in shares of capital stock

 

Class A

Class C (1)   

Balance at December 31, 2013

     11,807,287

       1,330,191

Exercise of stock options

            54,412

                      -

Stock dividends

          595,020

            66,384

Reverse stock split true up

                      -

                   15

Conversion of Class C to Class A

              2,521

             (2,521)

Balance at December 31, 2014

     12,459,240

       1,394,069

Exercise of stock options

            23,961

          241,652

Stock dividends

          624,483

            75,335

Conversion of Class C to Class A

              1,416

             (1,416)

Balance at December 31, 2015

     13,109,100

       1,709,640

Exercise of stock options

            42,634

          104,975

Stock dividends

          657,919

            96,967

Conversion of Class C to Class A

              9,353

             (9,353)

Balance at December 31, 2016

     13,819,006

       1,902,229

 

(1) Class C shares have been retroactively adjusted for the effect of the 1-for-10 reverse stock split that was approved by the stockholders in 2014.

XML 103 R88.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 11: Capital Stock: Schedule of Basic and diluted earnings per share (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Basic and diluted earnings per share

 

2016

(As Restated)

2015

(As Restated)

2014

(As Restated)

Numerator:

Net earnings

 $   12,188,627

 $   13,351,441

 $  8,216,832

Denominator:

Denominator for basic earnings

per share-weighted-average shares

     14,806,290

     14,439,274

   13,893,260

Effect of dilutive securities

Employee stock options

          320,914

          512,559

        451,215

Dilutive potential common shares

          320,914

          512,559

        451,215

Denominator for diluted earnings

per share-adjusted weighted-average

 

 

 

shares and assumed conversions

     15,127,204

     14,951,833

   14,344,475

Basic earnings per share

             

$0.82

             

$0.92

             

$0.59

Diluted earnings per share

$0.81

$0.89

$0.57

XML 104 R89.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 12: Stock Compensation Plans: Schedule of Activity of the 2003 Plan (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Activity of the 2003 Plan

 

Activity of the stock option plans is summarized as follows:

Number of Class A Shares

Weighted Average Exercise Price

 

Number of Class C Shares

Weighted Average Exercise Price

Outstanding at December 31, 2013

      405,133

$    2.41

      508,657

$    2.00

Adjustment for the effect of stock dividends

       24,446

       32,934

Granted

      173,500

      150,000

Exercised

      (59,713)

                -

Cancelled

      (30,571)

                -

 

 

Outstanding at December 31, 2014

      512,795

$    3.20

      691,591

$    2.54

Adjustment for the effect of stock dividends

       29,335

       27,497

Granted

      133,500

      100,000

Exercised

      (26,850)

    (241,652)

Cancelled

      (30,519)

                -

 

 

Outstanding at December 31, 2015

      618,261

$    3.89

      577,436

$    3.54

Adjustment for the effect of stock dividends

       35,346

       26,491

Granted

      133,500

       80,000

Exercised

      (42,634)

    (127,629)

Cancelled

        (2,500)

                -

 

 

Outstanding at December 31, 2016

      741,973

$    4.33

      556,298

$    4.52

Exercisable at end of year

      601,731

$    3.78

      472,298

$    4.02

Available options for future grant

      253,432

                -

Weighted average contractual term of options

outstanding at December 31, 2016

7.37 years

2.67 years

Weighted average contractual term of options

exercisable at December 31, 2016

6.77 years

2.27 years

Aggregated intrinsic value of options outstanding

at December 31, 2016 (1)

$1,452,902

$1,079,136

Aggregated intrinsic value of options exercisable

at December 31, 2016 (1)

$1,452,574

$1,079,136

                   

(1) The Company used a stock price of $6.19 as of December 31, 2016 to derive intrinsic value.

XML 105 R90.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 13: Statutory Financial Information and Dividend Limitations: Schedule of statutory accounting practices (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of statutory accounting practices

 

Net Income

Capital and Surplus

2016

2015

2014

2016

2015

Amounts by insurance subsidiary:

Security National Life Insurance Company

$ 2,601,408

$ 3,478,338

$ 5,137,208

$ 36,789,358

$ 32,771,066

First Guaranty Insurance Company

      174,562

                -

                -

     4,091,847

                  -

Memorial Insurance Company of America

            460

              49

            415

     1,081,319

     1,082,059

Southern Security Life Insurance Company, Inc.

            889

            491

            467

     1,592,440

     1,590,605

Trans-Western Life Insurance Company

          1,203

            (52)

          1,304

        500,333

        499,130

Total

$ 2,778,522

$ 3,478,826

$ 5,139,394

$ 44,055,297

$ 35,942,860

XML 106 R91.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 14: Business Segment Information: Schedule of Segment Reporting Information, by Segment (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Segment Reporting Information, by Segment

 

2016 (As Restated)

Life

 

Cemetery/

 

 

Intercompany

 

 

Insurance

Mortuary

Mortgage

Eliminations

Consolidated

Revenues:

From external sources:

Revenue from customers

 $       66,902,126

 $       12,267,640

 $     181,141,687

 $                         -

 $     260,311,453

Net investment income

          28,618,485

               312,494

            8,651,465

                     -

          37,582,444

Realized gains (losses) on

investments and other assets

             (277,040)

               211,429

             (110,776)

                     -

             (176,387)

Other than temporary impairments

             (270,358)

                    -

                    -

                     -

             (270,358)

Other revenues

               632,260

                 88,676

            6,166,813

                     -

            6,887,749

Intersegment revenues:

Net investment income

            7,119,692

               691,876

               327,778

            (8,139,346)

                           -

Total revenues

        102,725,165

          13,572,115

        196,176,967

            (8,139,346)

        304,334,901

Expenses:

Death and other policy benefits

          33,387,380

                    -

                    -

                     -

          33,387,380

Increase in future policy benefits

          21,322,195

                    -

                    -

                     -

          21,322,195

Amortization of deferred policy and preneed acquisition costs and

value of business acquired

            7,647,097

               356,078

                    -

                     -

            8,003,175

Depreciation

               596,827

               390,362

            1,195,535

                     -

            2,182,724

General, administrative and

other costs:

Intersegment

                           -

               148,025

               219,974

               (367,999)

                           -

Provision for loan losses

                    -

                    -

            1,700,000

                     -

            1,700,000

Costs related to funding mortgage

  loans

                    -

                    -

            9,191,488

                     -

            9,191,488

Other

          29,478,156

          10,524,535

        163,730,148

                            1

        203,732,840

Interest expense:

Intersegment

               781,078

               651,046

            6,339,224

            (7,771,348)

                           -

Other

            1,654,264

               282,878

            3,174,726

                     -

            5,111,868

Total benefits and expenses

          94,866,997

          12,352,924

        185,551,095

            (8,139,346)

        284,631,670

Earnings before income taxes

 $         7,858,168

 $         1,219,191

 $       10,625,872

 $                         -

 $       19,703,231

Income tax expense

          (3,451,292)

                    -

          (4,063,312)

                     -

          (7,514,604)

Net earnings

 $         4,406,876

 $         1,219,191

 $         6,562,560

 $                         -

 $       12,188,627

Identifiable assets

 $     821,097,220

 $       99,611,263

 $     171,844,559

 $     (140,874,459)

 $     951,678,583

Goodwill

 $         2,765,570

 $                        -

 $                        -

 $                         -

 $         2,765,570

Expenditures for long-lived assets

 $            532,958

 $            723,445

 $         2,310,108

 $                         -

 $         3,566,511

 

2015 (As Restated)

Life

 

Cemetery/

 

 

Intercompany

 

 

Insurance

Mortuary

Mortgage

Eliminations

Consolidated

Revenues:

From external sources:

Revenue from customers

 $       58,883,721

 $       11,502,045

 $     169,043,426

 $                         -

 $     239,429,192

Net investment income

          25,297,486

               450,854

            8,259,564

                     -

          34,007,904

Realized gains (losses) on

investments and other assets

            2,332,456

               387,316

             (318,413)

                     -

            2,401,359

Other than temporary impairments

             (413,714)

                    -

             (191,716)

                     -

             (605,430)

Other revenues

               824,759

               146,831

            4,150,217

                     -

            5,121,807

Intersegment revenues:

Net investment income

            7,615,338

            1,155,180

               326,822

            (9,097,340)

                           -

Total revenues

          94,540,046

          13,642,226

        181,269,900

            (9,097,340)

        280,354,832

Expenses:

Death and other policy benefits

          33,549,893

                    -

                    -

                     -

          33,549,893

Increase in future policy benefits

          17,057,764

                    -

                    -

                     -

          17,057,764

Amortization of deferred policy and preneed acquisition costs and

value of business acquired

            5,306,781

               334,512

                    -

                     -

            5,641,293

Depreciation

               710,733

               403,066

            1,069,697

                     -

            2,183,496

General, administrative and

other costs:

Intersegment

                           -

               156,777

               199,244

               (356,021)

                           -

Provision for loan losses

                    -

                    -

            3,449,103

                     -

            3,449,103

Costs related to funding mortgage

  loans

                    -

                    -

            8,901,511

                     -

            8,901,511

Other

          27,416,860

          10,117,012

        146,565,817

                          (1)

        184,099,688

Interest expense:

Intersegment

               726,919

            1,379,668

            6,634,731

            (8,741,318)

                           -

Other

            1,151,860

               337,632

            2,969,120

                     -

            4,458,612

Total benefits and expenses

          85,920,810

          12,728,667

        169,789,223

            (9,097,340)

        259,341,360

Earnings before income taxes

 $         8,619,236

 $            913,559

 $       11,480,677

 $                         -

 $       21,013,472

Income tax expense

          (3,191,370)

                    -

          (4,470,661)

                     -

          (7,662,031)

Net earnings

 $         5,427,866

 $            913,559

 $         7,010,016

 $                         -

 $       13,351,441

Identifiable assets

 $     721,362,741

 $     101,935,898

 $     157,283,191

 $     (140,108,664)

 $     840,473,166

Goodwill

 $         2,765,570

 $                        -

 $                        -

 $                         -

 $         2,765,570

Expenditures for long-lived assets

 $         3,024,223

 $            154,226

 $            454,241

 $                         -

 $         3,632,690

 

2014 (As Restated)

Life

 

Cemetery/

 

 

Intercompany

 

 

Insurance

Mortuary

Mortgage

Eliminations

Consolidated

Revenues:

From external sources:

Revenue from customers

 $       57,037,623

 $       11,426,308

 $     122,778,529

 $                         -

 $     191,242,460

Net investment income

          23,008,489

               275,324

            5,019,927

                     -

          28,303,740

Realized gains (losses) on

investments and other assets

            1,208,391

               585,543

               124,242

                     -

            1,918,176

Other than temporary impairments

             (164,240)

                    -

                    -

                     -

             (164,240)

Other revenues

               682,682

               169,464

            2,894,867

                     -

            3,747,013

Intersegment revenues:

Net investment income

            6,128,389

            1,288,856

               642,880

            (8,060,125)

                           -

Total revenues

          87,901,334

          13,745,495

        131,460,445

            (8,060,125)

        225,047,149

Expenses:

Death and other policy benefits

          29,789,964

                    -

                    -

                     -

          29,789,964

Increase in future policy benefits

          17,905,914

                    -

                    -

                     -

          17,905,914

Amortization of deferred policy and preneed acquisition costs and

value of business acquired

            6,561,589

               331,389

                    -

                     -

            6,892,978

Depreciation

               644,510

               436,390

            1,096,265

                     -

            2,177,165

General, administrative and

other costs:

Intersegment

                 24,000

               166,079

               208,513

               (398,592)

                           -

Provision for loan losses

                    -

                    -

            1,000,000

                     -

            1,000,000

Costs related to funding mortgage

  loans

                    -

                    -

            6,451,319

                     -

            6,451,319

Other

          23,045,928

          10,245,144

        110,817,359

                          (2)

        144,108,429

Interest expense:

Intersegment

               725,354

            1,481,317

            5,454,860

            (7,661,531)

                           -

Other

               578,083

               421,920

            1,994,426

                     -

            2,994,429

Total benefits and expenses

          79,275,342

          13,082,239

        127,022,742

            (8,060,125)

        211,320,198

Earnings before income taxes

 $         8,625,992

 $            663,256

 $         4,437,703

 $                         -

 $       13,726,951

Income tax expense

          (3,796,327)

                    -

          (1,713,792)

                     -

          (5,510,119)

Net earnings

 $         4,829,665

 $            663,256

 $         2,723,911

 $                         -

 $         8,216,832

Identifiable assets

 $     652,348,803

 $     109,114,226

 $     130,972,484

 $     (142,742,671)

 $     749,692,842

Goodwill

 $         2,765,570

 $                        -

 $                        -

 $                         -

 $         2,765,570

Expenditures for long-lived assets

 $            660,830

 $            121,677

 $            737,936

 $                         -

 $         1,520,443

XML 107 R92.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 16: Fair Value of Financial Instruments: Schedule of fair value assets and liabilities measured on a recurring basis (Tables)
12 Months Ended
Dec. 31, 2016
AsOfDecember312016Member  
Schedule of fair value assets and liabilities measured on a recurring basis

 

 

Total

 

Quoted Prices in Active Markets for Identical Assets (Level 1)

 

Significant Observable Inputs (Level 2)

 

Significant Unobservable Inputs (Level 3)

Assets accounted for at fair value on a    recurring basis

Common stock

 $         10,573,356

 $        10,573,356

 $                 -

 $                         -

Total securities available for sale

            10,573,356

           10,573,356

                    -

                            -

Restricted assets of cemeteries and mortuaries

                 736,603

                736,603

                    -

                            -

Cemetery perpetual care trust investments

                 698,202

                698,202

                    -

                            -

Derivatives - loan commitments

              6,911,544

                           -

                    -

             6,911,544

Other investments

              1,765,752

                           -

                    -

             1,765,752

Total assets accounted for at fair value on a    recurring basis

 $         20,685,457

 $        12,008,161

 $                 -

 $          8,677,296

Liabilities accounted for at fair value on a    recurring basis

Policyholder account balances

 $       (49,421,125)

 $                        -

 $                 -

 $      (49,421,125)

Future policy benefits - annuities

          (99,388,662)

                           -

                    -

         (99,388,662)

Derivatives  - bank loan interest rate swaps

                   (3,308)

                           -

                    -

                  (3,308)

- call options

               (109,474)

              (109,474)

                    -

                            -

- put options

                 (26,494)

                (26,494)

                    -

                            -

 - loan commitments

               (102,212)

                           -

                    -

              (102,212)

Total liabilities accounted for at fair value    on a recurring basis

 $     (149,051,275)

 $           (135,968)

 $                 -

 $    (148,915,307)

AsOfDecember312015Member  
Schedule of fair value assets and liabilities measured on a recurring basis

 

 

Total

 

Quoted Prices in Active Markets for Identical Assets (Level 1)

 

Significant Observable Inputs (Level 2)

 

Significant Unobservable Inputs (Level 3)

Assets accounted for at fair value on a    recurring basis

Non-redeemable preferred stock

Common stock

 $           8,431,090

 $        8,431,090

 $                -

 $                         -

Total securities available for sale

              8,431,090

           8,431,090

                   -

                            -

Restricted assets of cemeteries and mortuaries

                 686,444

              686,444

                   -

                            -

Cemetery perpetual care trust investments

                 630,854

              630,854

                   -

                            -

Derivatives - loan commitments

              7,779,162

                         -

                   -

              7,779,162

Other investments

              1,174,769

                         -

                   -

              1,174,769

Total assets accounted for at fair value on a    recurring basis

 $         18,702,319

 $        9,748,388

 $                -

 $           8,953,931

Liabilities accounted for at fair value on a    recurring basis

Policyholder account balances

 $       (50,694,953)

 $                      -

 $                -

 $       (50,694,953)

Future policy benefits - annuities

          (69,398,617)

                         -

                   -

          (69,398,617)

Derivatives  - bank loan interest rate swaps

                 (13,947)

                         -

                   -

                 (13,947)

- call options

                 (16,342)

              (16,342)

                   -

                            -

 - put options

                 (28,829)

              (28,829)

                   -

                            -

 - loan commitments

               (107,667)

                         -

                   -

               (107,667)

Total liabilities accounted for at fair value    on a recurring basis

 $     (120,260,355)

 $           (45,171)

 $                -

 $     (120,215,184)

 

XML 108 R93.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 16: Fair Value of Financial Instruments: Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs (Tables)
12 Months Ended
Dec. 31, 2016
AsOfDecember312016Member  
Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs

 

 

Policyholder Account Balances

Future Policy Benefits - Annuities

 Loan Commitments

Bank Loan Interest Rate Swaps

Other Investments

Balance - December 31, 2015, as restated

 $      (50,694,953)

 $         (69,398,617)

 $           7,671,495

 $              (13,947)

 $          1,174,769

Purchases

            (30,294,480)

                600,000

Total Losses (Gains):

Included in earnings

             1,273,828

                  304,435

                (862,163)

                            -

Included in other

comprehensive income (loss)

                           -

                              -

                             -

                  10,639

                   (9,017)

Balance - December 31, 2016, as restated

 $      (49,421,125)

 $         (99,388,662)

 $           6,809,332

 $                (3,308)

 $          1,765,752

AsOfDecember312015Member  
Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs

 

 

Policyholder Account Balances

Future Policy Benefits - Annuities

 Loan Commitments

Bank Loan Interest Rate Swaps

Other Investments

Balance - December 31, 2014, as restated

 $            (45,310,699)

 $            (65,540,985)

 $        5,105,605

 $         (31,370)

 $                     -

Purchases

         1,200,000

Total Losses (Gains):

Included in earnings

                 (5,384,254)

                 (3,857,632)

           2,565,890

                        -

Included in other

comprehensive income (loss)

                                 -

                                 -

                          -

              17,423

            (25,231)

Balance - December 31, 2015, as restated

 $            (50,694,953)

 $            (69,398,617)

 $        7,671,495

 $         (13,947)

 $      1,174,769

XML 109 R94.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 16: Fair Value of Financial Instruments: Fair Value Assets Measured on a Nonrecurring Basis (Tables)
12 Months Ended
Dec. 31, 2016
AsOfDecember312016Member  
Fair Value Assets Measured on a Nonrecurring Basis

 

 

Total

 

Quoted Prices in Active Markets for Identical Assets (Level 1)

 

Significant Observable Inputs (Level 2)

 

Significant Unobservable Inputs (Level 3)

Assets accounted for at fair value on a    nonrecurring basis

Mortgage loans on real estate

 $        2,809,925

 $                        -

 $                -

 $        2,809,925

Mortgage servicing rights

           8,603,154

                           -

                   -

           8,603,154

Real estate held for investment

           2,347,820

                           -

                   -

           2,347,820

Total assets accounted for at fair value on    a nonrecurring basis

 $      13,760,899

 $                        -

 $                -

 $      13,760,899

AsOfDecember312015Member  
Fair Value Assets Measured on a Nonrecurring Basis

 

 

Total

 

Quoted Prices in Active Markets for Identical Assets (Level 1)

 

Significant Observable Inputs (Level 2)

 

Significant Unobservable Inputs (Level 3)

Assets accounted for at fair value on a    nonrecurring basis

Mortgage loans on real estate

 $    2,874,468

 $      2,874,468

Mortgage servicing rights

       6,217,551

                           -

                    -

         6,217,551

Real estate held for investment

            95,000

                           -

                    -

              95,000

Total assets accounted for at fair value on    a nonrecurring basis

 $    9,187,019

 $                        -

 $                 -

 $      9,187,019

XML 110 R95.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 16: Fair Value of Financial Instruments: Schedule of Financial Instruments Carried at Other Than Fair Value (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Financial Instruments Carried at Other Than Fair Value

 

 

Carrying Value

 

Level 1

 

Level 2

 

Level 3

 

Total Estimated Fair Value

Assets

Fixed maturity securities, held to maturity

 $     184,979,644

 

 $                  -

 

 $   191,850,749

 

 $                        -

 

 $     191,850,749

Mortgage loans:

Residential

          57,132,082

                     -

                         -

          61,357,393

          61,357,393

Residential construction

          40,700,003

                     -

                         -

          40,700,003

          40,700,003

Commercial

          51,349,493

                     -

                         -

          53,299,800

          53,299,800

Mortgage loans, net

 $     149,181,578

 $                  -

 $                      -

 $     155,357,196

 $     155,357,196

Loans held for sale

        189,139,832

 

                     -

 

                         -

 

        192,289,854

 

        192,289,854

Policy loans

            6,694,148

                     -

                         -

            6,694,148

            6,694,148

Insurance assignments, net

          32,477,246

                     -

                         -

          32,477,246

          32,477,246

Short-term investments

          27,560,040

                     -

                         -

27,560,040

          27,560,040

Mortgage servicing rights

          18,872,362

 

                     -

 

                         -

 

          25,496,832

 

          25,496,832

Liabilities

Bank and other loans payable

 $   (152,137,341)

 $                  -

 $                      -

 $   (152,137,341)

 $   (152,137,341)

 

The carrying values and estimated fair values for such financial instruments, and their corresponding placement in the fair value hierarchy, are summarized as follows as of December 31, 2015, as restated:

 

 

Carrying Value

 

Level 1

 

Level 2

 

Level 3

 

Total Estimated Fair Value

Assets

Fixed maturity securities, held to maturity

 $     145,558,425

 

 $                  -

 

 $  150,507,158

 

 $                        -

 

 $     150,507,158

Mortgage loans:

Residential

          44,459,613

                     -

                        -

          47,193,950

          47,193,950

Residential construction

          34,751,443

                     -

                        -

          34,751,443

          34,751,443

Commercial

          33,335,849

                     -

                        -

          34,778,136

          34,778,136

Loans held for sale

 $     112,546,905

 

 $                  -

 

 $                     -

 

 $     116,723,529

 

 $     116,723,529

Mortgage loans, net

        211,453,006

 $     217,646,189

        217,646,189

Policy loans

            6,896,457

                     -

                        -

            6,896,457

            6,896,457

 Insurance assignments, net

          31,511,195

                     -

                        -

          31,511,195

          31,511,195

Short-term investments

          16,915,808

                     -

                        -

       16,915,808

          16,915,808

Mortgage servicing rights

          12,679,755

 

                     -

 

                        -

 

          13,897,160

 

          13,897,160

Liabilities

Bank and other loans payable

 $   (130,991,667)

 $                  -

 $                     -

 $   (130,991,667)

 $   (130,991,667)

XML 111 R96.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 17: Accumulated Other Comprehensive Income: Schedule of Changes in accumulated other comprehensive income (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Changes in accumulated other comprehensive income

 

 

December 31

2016

2015

Unrealized gains (losses) on available for-sale securities

 $         996,343

 $    (1,289,508)

Reclassification adjustment for net realized gains in net    income

            160,575

            113,751

Net unrealized gains (losses) before taxes

         1,156,918

       (1,175,757)

Tax (expense) benefit

          (399,228)

            404,414

Net

            757,690

          (771,343)

Potential unrealized gains for derivative bank loans    (interest rate swaps) before taxes

              10,639

              17,423

Tax expense

              (4,149)

              (6,795)

Net

                6,490

              10,628

Other comprehensive income (loss) changes

 $         764,180

 $       (760,715)

XML 112 R97.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 17: Accumulated Other Comprehensive Income: Accumulated Balances of Other Comprehensive Income (Tables)
12 Months Ended
Dec. 31, 2016
AsOfDecember312016Member  
Accumulated Balances of Other Comprehensive Income

 

Beginning Balance December 31, 2015

Change for the period

Ending Balance December 31, 2016

Unrealized net gains (losses) on available-for-sale    securities and trust investments

$       (490,850)

$        757,690

$        266,840

Unrealized gains (losses) on derivative    bank loan interest rate swaps

              (8,508)

               6,490

              (2,018)

Other comprehensive income (loss)

$       (499,358)

$        764,180

$        264,822

AsOfDecember312015Member  
Accumulated Balances of Other Comprehensive Income

 

Beginning Balance December 31, 2014

Change for the period

Ending Balance December 31, 2015

Unrealized net gains (losses) on available-for-sale    securities and trust investments

$          280,493

$        (771,343)

$       (490,850)

Unrealized gains (losses) on derivative    bank loan interest rate swaps

              (19,136)

               10,628

              (8,508)

Other comprehensive income (loss)

$          261,357

$        (760,715)

$       (499,358)

 

AsOfDecember312014Member  
Accumulated Balances of Other Comprehensive Income

 

Beginning Balance December 31, 2013

Change for the period

Ending Balance December 31, 2014

Unrealized net gains (losses) on available-for-sale    securities and trust investments

$          346,341

$          (65,848)

$        280,493

Unrealized gains (losses) on derivative    bank loan interest rate swaps

              (35,569)

               16,433

            (19,136)

Other comprehensive income (loss)

$          310,772

$          (49,415)

$        261,357

XML 113 R98.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 18: Derivative Instruments: Schedule of Derivative Assets at Fair Value (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Derivative Assets at Fair Value

 

Fair Value of Derivative Instruments

Asset Derivatives

Liability Derivatives

December 31, 2016

(As Restated)

December 31, 2015

(As Restated)

December 31, 2016

December 31, 2015

Balance Sheet Location

Fair Value

Balance Sheet Location

Fair Value

Balance Sheet Location

Fair Value

Balance Sheet Location

Fair Value

Derivatives designated as hedging instruments:

Loan commitments

other assets

$6,911,544

other assets

$ 7,779,162

Other liabilities

$102,212

Other liabilities

$107,667

Call Options

               -

               -

Other liabilities

   109,474

Other liabilities

     16,342

Put Options

               -

               -

Other liabilities

     26,494

Other liabilities

     28,829

Interest rate swaps

 

               -

               -

Bank loans payable

       3,308

Bank loans payable

     13,947

Total

$6,911,544

$ 7,779,162

$241,488

 

$166,785

XML 114 R99.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 18: Derivative Instruments: Schedule of Gains and Losses on Derivatives (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Gains and Losses on Derivatives

 

Net Amount Gain (Loss) Recognized in OCI

Years ended December 31

Derivative - Cash Flow Hedging Relationships:

2016

2015

Interest Rate Swaps

 $                      10,639

 $                      17,423

Sub Total

                         10,639

                         17,423

Tax Effect

                           4,149

                           6,795

Total

 $                        6,490

 $                      10,628

XML 115 R100.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 19: Acquisitions: The Estimated Fair Values of The Assets Acquired and The Liabilities Assumed At The Date of Acquisition (Tables)
12 Months Ended
Dec. 31, 2016
First Guaranty Insurance Company  
The Estimated Fair Values of The Assets Acquired and The Liabilities Assumed At The Date of Acquisition

 

Fixed maturity securities, held to maturity

$    43,878,084

Equity securities, available for sale

           646,335

Mortgage loans on real estate

        4,528,582

Real estate held for investment

           528,947

Policy loans

           145,953

Short-term investments

        5,358,403

Accrued investment income

           585,985

Cash and cash equivalents

        2,424,480

Receivables

            73,347

Property and equipment

            21,083

Deferred tax asset

        1,190,862

Receivable from reinsurers

            34,948

Other

            57,768

Total assets acquired

      59,474,777

Future life, annuity, and other benefits

     (52,648,838)

Accounts payable

             (6,953)

Other liabilities and accrued expenses

           (65,986)

Total liabilities assumed

     (52,721,777)

Fair value of net assets acquired/consideration paid

$     6,753,000

 

American Funeral Financial  
The Estimated Fair Values of The Assets Acquired and The Liabilities Assumed At The Date of Acquisition

 

Other loans, net

$         11,866,193

Property and equipment

                 760,120

Goodwill

              2,373,722

Other

              1,379,158

Total assets acquired

           16,379,193

Other liabilities and accrued expenses

            (1,368,000)

Total liabilities assumed

            (1,368,000)

Fair value of net assets acquired

$         15,011,193

XML 116 R101.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 19: Acquisitions: Business Acquisition, Pro Forma Information (Tables)
12 Months Ended
Dec. 31, 2016
First Guaranty Insurance Company  
Business Acquisition, Pro Forma Information

For the Year Ended December 31 (unaudited)

2016

(As Restated)

2015

(As Restated)

2014

(As Restated)

Total revenues

 $ 306,471,770

 $ 284,812,830

 $ 229,483,646

Net earnings

 $   11,923,653

 $   12,627,709

 $    8,044,482

Net earnings per Class A equivalent common share

 $            0.95

 $            0.88

 $            0.57

Net earnings per Class A equivalent common share assuming dilution

 $            0.93

 $            0.85

 $            0.55

American Funeral Financial  
Business Acquisition, Pro Forma Information

 

For the Year Ended December 31 (unaudited)

2016

(As Restated)

2015

(As Restated)

2014

(As Restated)

Total revenues

 $ 304,334,901

 $ 280,354,832

 $ 227,379,128

Net earnings

 $   12,188,627

 $   13,351,441

 $    8,458,589

Net earnings per Class A equivalent common share

 $            0.96

 $            0.93

 $            0.59

Net earnings per Class A equivalent common share assuming dilution

 $            0.94

 $            0.90

 $            0.58

XML 117 R102.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 20: Mortgage Servicing Rights: Schedule of mortgage servicing rights (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of mortgage servicing rights

 

December 31

2016

2015

Amortized cost:

Balance before valuation allowance at beginning of year

 $ 12,679,755

 $   7,834,747

MSRs received as proceeds from loan sales

      8,603,154

      6,217,551

Amortization

    (2,410,547)

    (1,372,543)

Application of valuation allowance to write down MSRs    with other than temporary impairment

                  -

                  -

Balance before valuation allowance at year end

 $ 18,872,362

 $ 12,679,755

Valuation allowance for impairment of MSRs:

Balance at beginning of year

 $                -

 $                -

Additions

                  -

                  -

Application of valuation allowance to write down MSRs    with other than temporary impairment

                  -

                  -

Balance at year end

 $                -

 $                -

Mortgage servicing rights, net

$ 18,872,362

$ 12,679,755

Estimated fair value of MSRs at year end

$ 25,496,832

$ 13,897,160

XML 118 R103.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 20: Mortgage Servicing Rights: Schedule of Mortgage Servicing Rights Amortization (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Mortgage Servicing Rights Amortization

 

Estimated MSR Amortization

2017

$        2,696,052

2018

           2,696,052

2019

           2,696,052

2020

           2,696,052

2021

           2,696,052

Thereafter

           5,392,104

Total

 $      18,872,364

XML 119 R104.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 20: Mortgage Servicing Rights: Schedule of Other Revenues (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Other Revenues

 

2016

2015

2014

Contractual servicing fees

 $    5,661,699

 $    3,864,454

 $    2,641,234

Late fees

          203,509

          120,241

          123,399

Total

 $    5,865,207

 $    3,984,695

 $    2,764,633

XML 120 R105.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 20: Mortgage Servicing Rights: Summary of Unpaid Principal Balances of the Servicing Portfolio (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Summary of Unpaid Principal Balances of the Servicing Portfolio

 

Years Ended December 31

2016

2015

2014

Servicing UPB

      2,720,441,340

      1,861,835,430

      1,227,249,143

XML 121 R106.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 20: Mortgage Servicing Rights: Assumptions used in determining MSR value (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Assumptions used in determining MSR value

 

Prepayment Speeds

Average Life(Years)

Discount Rate

December 31, 2016

3.77%

6.52

10.01

December 31, 2015

3.02%

5.24

10.00

December 31, 2014

2.87%

4.96

10.00

XML 122 R107.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 22: Impact of Restatement Adjustments on Quarterly Financial Statements (unaudited): Schedule of Quarterly Financial Information (Tables)
12 Months Ended
Dec. 31, 2016
Tables/Schedules  
Schedule of Quarterly Financial Information

 

2016 (2)

Three Months Ended

 

March 31 (As Previously Reported)

March 31 (As Restated)

June 30 (As Previously Reported)

June 30 (As Restated)

September 30 (As Previously Reported)

September 30 (As Restated)

December 31 (As Previously Reported)

 

December 31 (As Restated)

Revenues

 $      67,355,307

 $     69,456,348

 $      81,312,192

 $     80,087,227

 $      84,393,427

 $       82,948,657

 $      74,147,490

 

 $      71,842,669

Benefits and expenses

         63,163,550

        65,385,268

         73,758,739

        72,101,342

         77,427,792

          76,375,127

         72,117,972

 

         70,769,933

Earnings before income taxes

           4,191,757

          4,071,080

           7,553,453

          7,985,885

           6,965,635

            6,573,530

           2,029,518

 

           1,072,736

Income tax expense

         (1,580,220)

        (1,533,139)

         (2,456,885)

        (2,968,879)

         (2,190,206)

          (2,390,525)

            (233,548)

 

            (622,061)

Net earnings

           2,611,537

          2,537,941

           5,096,568

          5,017,006

           4,775,429

            4,183,005

           1,795,970

 

              450,675

Net earnings per common share (1)

$0.18

$0.17

$0.35

$0.34

$0.32

$0.28

$0.12

 

$0.03

Net earnings per common share    assuming dilution (1)

$0.17

$0.17

$0.34

$0.33

$0.31

$0.27

$0.12

 

$0.03

 

2015 (2)

Three Months Ended

 

March 31 (As Previously Reported)

March 31 (As Restated)

June 30 (As Previously Reported)

June 30 (As Restated)

September 30 (As Previously Reported)

September 30 (As Restated)

December 31 (As Previously Reported)

December 31 (As Restated)

Revenues

 $     66,537,523

 $      65,824,546

 $      77,292,625

 $       75,187,618

 $     74,062,877

 $     74,985,622

 $      66,671,215

 $     64,357,046

Benefits and expenses

        61,051,248

         61,388,750

         69,808,663

          68,772,252

        67,700,286

        68,073,150

         64,779,238

        61,107,208

Earnings before income taxes

          5,486,275

           4,435,796

           7,483,962

            6,415,366

          6,362,591

          6,912,472

           1,891,977

          3,249,838

Income tax expense

         (2,104,958)

          (1,698,788)

         (2,867,957)

          (2,454,812)

         (2,346,210)

         (2,554,134)

            (426,823)

           (954,297)

Net earnings

          3,381,317

           2,737,008

           4,616,005

            3,960,554

          4,016,381

          4,358,338

           1,465,154

          2,295,541

Net earnings per common share (1)

$0.24

$0.19

$0.32

$0.27

$0.28

$0.30

$0.10

$0.16

Net earnings per common share    assuming dilution (1)

$0.23

$0.18

$0.31

$0.26

$0.26

$0.29

$0.10

$0.15

 

2014 (2)

Three Months Ended

 

March 31 (As Previously Reported)

March 31 (As Restated)

June 30 (As Previously Reported)

June 30 (As Restated)

September 30 (As Previously Reported)

September 30 (As Restated)

December 31 (As Previously Reported)

December 31 (As Restated)

Revenues

 $       45,502,539

 $      45,843,231

 $     60,200,879

 $     58,408,816

 $     61,012,516

 $      60,515,415

 $     60,662,683

 $     60,279,687

Benefits and expenses

          44,887,289

         46,062,797

        55,224,633

        53,921,094

        58,348,652

         57,958,096

        55,995,147

        53,378,211

Earnings before income taxes

               615,250

            (219,566)

          4,976,246

          4,487,722

          2,663,864

           2,557,319

          4,667,536

          6,901,476

Income tax expense

             (202,352)

              119,914

         (1,870,803)

        (1,685,203)

           (961,140)

             (919,546)

        (1,864,368)

        (3,025,284)

Net earnings

               412,898

              (99,652)

          3,105,443

          2,802,519

          1,702,724

           1,637,773

          2,803,168

          3,876,192

Net earnings per common share (1)

$0.03

($0.01)

$0.22

$0.20

$0.12

$0.12

$0.20

$0.28

Net earnings per common share    assuming dilution (1)

$0.03

($0.01)

$0.22

$0.20

$0.12

$0.11

$0.19

$0.27

XML 123 R108.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Held-to-maturity Securities (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
HeldToMaturitySecuritiesEstimatedFairValue $ 191,850,749 $ 150,507,158
AmortizedCost 184,979,644 145,558,425
Held-to-maturity Securities, Unrecognized Holding Gain 11,078,349 10,531,839
Held-to-maturity Securities, Unrecognized Holding Loss (4,207,244) (5,583,106)
Mortgage loans on real estate and construction 149,181,578 112,546,905
Mortgage loans on real estate and construction, allowance for losses (1,748,783) (1,848,120)
Real estate held for investment, net of depreciation 145,165,921 114,852,432
Policy loans 6,694,148 6,896,457
Insurance assignments 33,548,079 32,369,014
Promissory notes 48,797 48,797
Other investments at estimated fair value 1,765,752 1,174,769
Allowance for doubtful accounts (1,119,630) (906,616)
Policy loans and other investments 40,937,146 39,582,421
Short-term investments at amortized cost 27,560,040 16,915,808
Residential Mortgage    
Mortgage loans on real estate and construction 58,593,622 46,020,490
Residential Construction    
Mortgage loans on real estate and construction 40,800,117 34,851,557
Commercial Loan    
Mortgage loans on real estate and construction 51,536,622 33,522,978
US Treasury and Government    
HeldToMaturitySecuritiesEstimatedFairValue 4,657,982 3,848,705
AmortizedCost 4,475,065 3,560,579
Held-to-maturity Securities, Unrecognized Holding Gain 249,028 292,869
Held-to-maturity Securities, Unrecognized Holding Loss (66,111) (4,743)
US States and Political Subdivisions Debt Securities    
HeldToMaturitySecuritiesEstimatedFairValue 6,037,490 1,986,861
AmortizedCost 6,017,225 1,805,828
Held-to-maturity Securities, Unrecognized Holding Gain 153,514 182,073
Held-to-maturity Securities, Unrecognized Holding Loss (133,249) (1,040)
Corporate Debt Securities    
HeldToMaturitySecuritiesEstimatedFairValue 171,089,612 138,822,720
AmortizedCost 164,375,636 134,488,108
Held-to-maturity Securities, Unrecognized Holding Gain 10,440,989 9,836,355
Held-to-maturity Securities, Unrecognized Holding Loss (3,727,013) (5,501,743)
Collateralized Mortgage Backed Securities    
HeldToMaturitySecuritiesEstimatedFairValue 9,428,612 5,207,174
AmortizedCost 9,488,083 5,091,887
Held-to-maturity Securities, Unrecognized Holding Gain 221,400 190,867
Held-to-maturity Securities, Unrecognized Holding Loss (280,871) (75,580)
Redeemable Preferred Stock    
HeldToMaturitySecuritiesEstimatedFairValue 637,053 641,698
AmortizedCost 623,635 612,023
Held-to-maturity Securities, Unrecognized Holding Gain 13,418 29,675
Industrial, miscellaneous and all other equity securities    
Available-for-sale Securities, Amortized Cost Basis 10,985,338 9,891,500
Available-for-sale Debt Securities Gross Unrealized Gain 447,110 213,684
Available-for-sale Debt Securities, Gross Unrealized Loss (859,092) (1,674,094)
AvailableForSaleSecuritiesEstimatedFairValue 10,573,356 8,431,090
Equity Securities    
Available-for-sale Securities, Amortized Cost Basis 10,985,338 9,891,500
Available-for-sale Debt Securities Gross Unrealized Gain 447,110 213,684
Available-for-sale Debt Securities, Gross Unrealized Loss (859,092) (1,674,094)
AvailableForSaleSecuritiesEstimatedFairValue $ 10,573,356 $ 8,431,090
XML 124 R109.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Schedule of Unrealized Loss on Investments (Details)
12 Months Ended
Dec. 31, 2016
USD ($)
Dec. 31, 2015
USD ($)
Held-to-maturity Securities, Unrecognized Holding Loss $ 4,207,244 $ 5,583,106
Held-to-maturity Securities, Fair Value 64,910,462 37,886,358
Available For Sale Securities Fair Value 3,749,018 4,938,569
US Treasury and Government    
Held-to-maturity Securities, Unrecognized Holding Loss 66,111 4,743
Held-to-maturity Securities, Fair Value 1,342,088 2,191,782
US States and Political Subdivisions Debt Securities    
Held-to-maturity Securities, Unrecognized Holding Loss 133,249 1,040
Held-to-maturity Securities, Fair Value 3,686,856 86,388
Corporate Debt Securities    
Held-to-maturity Securities, Unrecognized Holding Loss 3,727,013 5,501,743
Held-to-maturity Securities, Fair Value 54,765,151 33,832,683
Collateralized Mortgage Backed Securities    
Held-to-maturity Securities, Unrecognized Holding Loss 280,871 75,580
Held-to-maturity Securities, Fair Value 5,116,367 1,775,505
Industrial, miscellaneous and all other equity securities    
Available-for-sale Debt Securities, Gross Unrealized Loss 859,092 1,674,094
Equity Securities    
Available-for-sale Debt Securities, Gross Unrealized Loss 859,092 1,674,094
Less than 12 months    
Held-to-maturity Securities, Unrecognized Holding Loss 2,104,387 3,781,895
Held-to-maturity Securities, Fair Value 51,001,049 34,076,401
Available For Sale Securities Fair Value 2,063,144 4,177,709
Less than 12 months | US Treasury and Government    
Held-to-maturity Securities, Unrecognized Holding Loss 66,111 4,743
Held-to-maturity Securities, Fair Value 1,342,088 2,191,782
Less than 12 months | US States and Political Subdivisions Debt Securities    
Held-to-maturity Securities, Unrecognized Holding Loss 133,249  
Held-to-maturity Securities, Fair Value 3,686,856  
Less than 12 months | Corporate Debt Securities    
Held-to-maturity Securities, Unrecognized Holding Loss 1,728,312 3,701,572
Held-to-maturity Securities, Fair Value 41,796,016 30,109,114
Less than 12 months | Collateralized Mortgage Backed Securities    
Held-to-maturity Securities, Unrecognized Holding Loss 176,715 75,580
Held-to-maturity Securities, Fair Value 4,176,089 1,775,505
Less than 12 months | Industrial, miscellaneous and all other equity securities    
Available-for-sale Debt Securities, Gross Unrealized Loss $ 215,563 $ 997,862
No. of Investment Positions 124 222
Less than 12 months | Equity Securities    
Available-for-sale Debt Securities, Gross Unrealized Loss $ 215,563 $ 997,862
No. of Investment Positions 124 222
More than 12 months    
Held-to-maturity Securities, Unrecognized Holding Loss $ 2,102,857 $ 1,801,211
Held-to-maturity Securities, Fair Value 13,909,413 3,809,957
Available For Sale Securities Fair Value 1,685,874 760,860
More than 12 months | US States and Political Subdivisions Debt Securities    
Held-to-maturity Securities, Unrecognized Holding Loss   1,040
Held-to-maturity Securities, Fair Value   86,388
More than 12 months | Corporate Debt Securities    
Held-to-maturity Securities, Unrecognized Holding Loss 1,998,701 1,800,171
Held-to-maturity Securities, Fair Value 12,969,135 3,723,569
More than 12 months | Collateralized Mortgage Backed Securities    
Held-to-maturity Securities, Unrecognized Holding Loss 104,156  
Held-to-maturity Securities, Fair Value 940,278  
More than 12 months | Industrial, miscellaneous and all other equity securities    
Available-for-sale Debt Securities, Gross Unrealized Loss $ 643,529 $ 676,232
No. of Investment Positions 104 74
More than 12 months | Equity Securities    
Available-for-sale Debt Securities, Gross Unrealized Loss $ 643,529 $ 676,232
No. of Investment Positions 104 74
XML 125 R110.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Fixed Maturity Securities - Additional (Details) - Fixed Maturities - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Average market value over amortized cost 93.90% 87.20%  
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net, Available-for-sale Securities $ 100,000 $ 120,000 $ 120,000
XML 126 R111.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Equity Securities - Additional (Details) - Equity Securities - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Average Market Value of Security over initial investment 81.40% 74.70%  
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net, Available-for-sale Securities $ 170,358 $ 293,714 $ 44,240
XML 127 R112.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Investments Classified by Contractual Maturity Date (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
AmortizedCost $ 184,979,644 $ 145,558,425
HeldToMaturitySecuritiesEstimatedFairValue 191,850,749 150,507,158
Redeemable Preferred Stock    
AmortizedCost 623,635 612,023
HeldToMaturitySecuritiesEstimatedFairValue 637,053 $ 641,698
Common Stock    
Available-for-sale Securities, Amortized Cost Basis 10,985,338  
AvailableForSaleSecuritiesEstimatedFairValue 10,573,356  
DueIn2017Member    
AmortizedCost 6,148,334  
HeldToMaturitySecuritiesEstimatedFairValue 6,232,674  
DueIn2018Through2021Member    
AmortizedCost 42,886,637  
HeldToMaturitySecuritiesEstimatedFairValue 44,879,897  
DueIn2022Through2026Member    
AmortizedCost 42,090,383  
HeldToMaturitySecuritiesEstimatedFairValue 43,288,035  
DueAfter2026Member    
AmortizedCost 83,742,572  
HeldToMaturitySecuritiesEstimatedFairValue 87,324,617  
Mortgage backed securities    
AmortizedCost 9,488,083  
HeldToMaturitySecuritiesEstimatedFairValue $ 9,488,473  
XML 128 R113.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Gain (Loss) on Investments (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Gains and losses and other than temporary impairments from investments and other assets $ (446,745) $ 1,795,929 $ 1,753,936
Held-to-maturity Securities      
Gross Realized Gains 389,558 387,162 390,203
Gross Realized Losses (132,124) (82,166) (71,800)
Other than Temporary Impairments (100,000) (120,000) (120,000)
Available-for-sale Securities      
Gross Realized Gains 221,817 180,602 349,207
Gross Realized Losses (61,242) (66,850) (55,222)
Other than Temporary Impairments (170,358) (293,714) (44,240)
Other Assets      
Gross Realized Gains 349,252 2,067,438 1,445,596
Gross Realized Losses $ (943,648) (84,827) $ (139,808)
Other than Temporary Impairments   $ (191,716)  
XML 129 R114.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Fixed Maturity Securities - Carrying Amount and Net Realized Gain (Details) - Held-to-maturity Securities - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Net carrying amount for sales of securities $ 2,380,027 $ 2,569,712 $ 2,840,709
Net realized gain related to sales of securities $ 155,346 $ 311,752 $ 20,722
XML 130 R115.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Schedule of Major categories of net investment income (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Gross Investment Income $ 46,836,078 $ 42,855,455 $ 37,564,975
Investment Income, Investment Expense (9,253,634) (8,847,551) (9,261,235)
Net Investment Income 37,582,444 34,007,904 28,303,740
Fixed Maturities      
Gross Investment Income 8,972,877 8,168,441 8,229,451
Equity Securities      
Gross Investment Income 270,942 269,795 212,917
MortgageLoansOnRealEstate1Member      
Gross Investment Income 8,963,105 7,696,533 7,550,110
Real Estate      
Gross Investment Income 10,969,828 9,454,567 8,433,895
PolicyLoans1Member      
Gross Investment Income 781,188 749,917 741,220
Insurance Assignments      
Gross Investment Income 11,876,836 8,915,655 7,324,964
Other investments      
Gross Investment Income 25,122 6,533  
Short-term investments, principally gains on sale of mortgage loans      
Gross Investment Income $ 4,976,180 $ 7,594,014 $ 5,072,418
XML 131 R116.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Net Investment Income - Additional (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Net Investment Income $ 37,582,444 $ 34,007,904 $ 28,303,740
Securities on deposit for regulatory authorities 9,269,121 8,815,542  
Cemeteries and mortuaries      
Net Investment Income $ 419,360 $ 369,632 $ 356,369
XML 132 R117.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Commercial Real Estate Investment (Details)
Dec. 31, 2016
USD ($)
Dec. 31, 2015
USD ($)
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 $ 145,165,921 $ 114,852,432
Commercial Real Estate 1    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 $ 68,973,936 $ 33,180,397
Square Footage 739,747 515,663
Commercial Real Estate 1 | ArizonaMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 $ 450,538 $ 463,774
Square Footage 16,270 16,270
Commercial Real Estate 1 | ArkansasMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 $ 100,369  
Square Footage 3,200  
Commercial Real Estate 1 | KansasMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 $ 12,450,297 $ 11,537,335
Square Footage 222,679 222,679
Commercial Real Estate 1 | LouisianaMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 $ 518,700  
Square Footage 7,063  
Commercial Real Estate 1 | MississippiMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 $ 3,818,985  
Square Footage 33,821  
Commercial Real Estate 1 | NewMexicoMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 $ 7,000 $ 7,000
Commercial Real Estate 1 | TexasMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 $ 3,734,974 $ 3,768,542
Square Footage 23,470 23,470
Commercial Real Estate 1 | UtahMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 $ 47,893,073 $ 17,403,746
Square Footage 433,244 253,244
XML 133 R118.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Residential Real Estate Investment (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 $ 145,165,921 $ 114,852,432
Residential Real Estate 1    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 76,191,985 81,672,035
Residential Real Estate 1 | ArizonaMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 742,259 944,614
Residential Real Estate 1 | CaliforniaMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 5,848,389 6,158,253
Residential Real Estate 1 | ColoradoMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 364,489 553,230
Residential Real Estate 1 | FloridaMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 8,327,355 9,203,624
Residential Real Estate 1 | IllinoisMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015   165,800
Residential Real Estate 1 | OklahomaMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 46,658 99,862
Residential Real Estate 1 | OregonMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015   120,000
Residential Real Estate 1 | SouthCarolinaMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015   823,872
Residential Real Estate 1 | TexasMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 1,091,188 1,198,860
Residential Real Estate 1 | UtahMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 59,485,466 62,117,738
Residential Real Estate 1 | WashingtonMember    
Real estate held for investment, net of accumulated depreciation of $16,138,439 and $12,210,346 for 2016 and 2015 $ 286,181 $ 286,182
XML 134 R119.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Mortgage Loans - Additional (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Mortgage loans on real estate balances, net of allowance for losses $ 1,748,783 $ 1,848,120
Minimum    
Mortgage Loan, Interest Rate 2.00%  
Maximum    
Mortgage Loan, Interest Rate 10.50%  
XML 135 R120.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: The Following Is A Summary of The Allowance For Loan Losses As A Contra-asset Account For The Periods Presented (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Financing Receivable, Allowance for Credit Losses, Beginning Balance $ 1,848,120 $ 2,003,055
Allowance for credit losses, Charge-offs (420,135) (123,942)
Allowance for credit losses, Provision 320,798 (30,993)
Financing Receivable, Allowance for Credit Losses, Ending Balance 1,748,783 1,848,120
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 187,470 305,962
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 1,561,313 1,542,158
Mortgage loans 150,930,361 114,395,025
Financing Receivable, Individually Evaluated for Impairment 3,184,425 3,180,430
Financing Receivable, Collectively Evaluated for Impairment 147,745,936 111,214,594
Commercial Loan    
Financing Receivable, Allowance for Credit Losses, Beginning Balance 187,129 187,129
Financing Receivable, Allowance for Credit Losses, Ending Balance 187,129 187,129
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 187,129 187,129
Mortgage loans 51,536,622 33,522,978
Financing Receivable, Individually Evaluated for Impairment 202,992  
Financing Receivable, Collectively Evaluated for Impairment 51,333,630 33,522,978
Residential Mortgage    
Financing Receivable, Allowance for Credit Losses, Beginning Balance 1,560,877 1,715,812
Allowance for credit losses, Charge-offs (420,135) (123,942)
Allowance for credit losses, Provision 320,798 (30,993)
Financing Receivable, Allowance for Credit Losses, Ending Balance 1,461,540 1,560,877
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 187,470 305,962
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 1,274,070 1,254,915
Mortgage loans 58,593,622 46,020,490
Financing Receivable, Individually Evaluated for Impairment 2,916,538 3,087,161
Financing Receivable, Collectively Evaluated for Impairment 55,677,084 42,933,329
Residential Construction    
Financing Receivable, Allowance for Credit Losses, Beginning Balance 100,114 100,114
Financing Receivable, Allowance for Credit Losses, Ending Balance 100,114 100,114
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 100,114 100,114
Mortgage loans 40,800,117 34,851,557
Financing Receivable, Individually Evaluated for Impairment 64,895 93,269
Financing Receivable, Collectively Evaluated for Impairment $ 40,735,222 $ 34,758,287
XML 136 R121.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Schedule of aging of mortgage loans (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Mortgage Loans during period $ 150,930,361 $ 114,395,025
Mortgage Loans, Allowance for Loan Losses (1,748,783) (1,848,120)
Mortgage Loans, Net 149,181,578 112,546,905
Commercial Loan    
Mortgage Loans during period 51,536,622 33,522,978
Mortgage Loans, Allowance for Loan Losses (187,129) (187,129)
Mortgage Loans, Net 51,349,493 33,335,849
Residential Mortgage    
Mortgage Loans during period 58,593,622 46,020,490
Mortgage Loans, Allowance for Loan Losses (1,461,540) (1,560,877)
Mortgage Loans, Net 57,132,082 44,459,613
Residential Construction    
Mortgage Loans during period 40,800,117 34,851,557
Mortgage Loans, Allowance for Loan Losses (100,114) (100,114)
Mortgage Loans, Net 40,700,003 34,751,443
Past due 30 to 59 days    
Mortgage Loans during period 964,960 1,162,102
Past due 30 to 59 days | Residential Mortgage    
Mortgage Loans during period 964,960 1,162,102
Past due 60 to 89 days    
Mortgage Loans during period 996,779 884,143
Past due 60 to 89 days | Residential Mortgage    
Mortgage Loans during period 996,779 884,143
Past due 90 or more days    
Mortgage Loans during period [1] 1,355,250 2,277,888
Past due 90 or more days | Residential Mortgage    
Mortgage Loans during period [1] 1,290,355 2,212,993
Past due 90 or more days | Residential Construction    
Mortgage Loans during period [1] 64,895 64,895
In Foreclosure    
Mortgage Loans during period [1] 1,829,175 3,180,430
In Foreclosure | Commercial Loan    
Mortgage Loans during period [1] 202,992  
In Foreclosure | Residential Mortgage    
Mortgage Loans during period [1] 1,626,183 3,087,161
In Foreclosure | Residential Construction    
Mortgage Loans during period [1]   93,269
Total Past Due    
Mortgage Loans during period 5,146,164 7,504,563
Total Past Due | Commercial Loan    
Mortgage Loans during period 202,992  
Total Past Due | Residential Mortgage    
Mortgage Loans during period 4,878,277 7,346,399
Total Past Due | Residential Construction    
Mortgage Loans during period 64,895 158,164
Current    
Mortgage Loans during period 145,784,197 106,890,462
Current | Commercial Loan    
Mortgage Loans during period 51,333,630 33,522,978
Current | Residential Mortgage    
Mortgage Loans during period 53,715,345 38,674,091
Current | Residential Construction    
Mortgage Loans during period $ 40,735,222 $ 34,693,393
[1] There was not any interest income recognized on loans past due greater than 90 days or in foreclosure.
XML 137 R122.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Schedule of Impaired Mortgage Loans (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Commercial Loan    
Impaired Financing Receivable, with No Related Allowance, Recorded Investment $ 202,992  
Impaired Financing Receivable, Average Recorded Investment 202,992  
Impaired Financing Receivable, Unpaid Principal Balance 202,992  
Residential Mortgage    
Impaired Financing Receivable, with Related Allowance, Recorded Investment 2,916,538 $ 3,087,161
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance 2,916,538 3,087,161
Impaired Financing Receivable, Related Allowance 374,501 305,962
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment 2,916,538 3,087,161
Impaired Financing Receivable, Average Recorded Investment 2,916,538 3,087,161
Impaired Financing Receivable, Unpaid Principal Balance 2,916,538 3,087,161
Residential Construction    
Impaired Financing Receivable, with No Related Allowance, Recorded Investment 64,895 93,269
Impaired Financing Receivable, Average Recorded Investment $ 64,895 $ 93,269
XML 138 R123.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: The Company's Performing and Non-performing Mortgage Loans Were As Follows (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Mortgage loans $ 150,930,361 $ 114,395,025
PerformingMember    
Mortgage loans 147,745,936 108,936,707
NonPerformingMember    
Mortgage loans 3,184,425 5,458,318
Commercial Loan    
Mortgage loans 51,536,622 33,522,978
Commercial Loan | PerformingMember    
Mortgage loans 51,333,630 33,522,978
Commercial Loan | NonPerformingMember    
Mortgage loans 202,992  
Residential Mortgage    
Mortgage loans 58,593,622 46,020,490
Residential Mortgage | PerformingMember    
Mortgage loans 55,677,084 40,720,336
Residential Mortgage | NonPerformingMember    
Mortgage loans 2,916,538 5,300,154
Residential Construction    
Mortgage loans 40,800,117 34,851,557
Residential Construction | PerformingMember    
Mortgage loans 40,735,222 34,693,393
Residential Construction | NonPerformingMember    
Mortgage loans $ 64,895 $ 158,164
XML 139 R124.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Summary of Interest not accrued on non-performing mortgage loans (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Details    
Interest not acrued on non-performing loans $ 172,000 $ 268,000
XML 140 R125.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Schedule of Mortgate loans on a nonaccrual status (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest $ 3,184,425 $ 5,458,318
Commercial Loan    
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest 202,992  
Residential Mortgage    
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest 2,916,538 5,300,154
Residential Construction    
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest $ 64,895 $ 158,164
XML 141 R126.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Schedule of Principal amounts due on mortgage loans on real estate and construction loans held for investment by category (Details)
Dec. 31, 2016
USD ($)
Mortgage Loans Principal Amount due $ 150,930,361
Residential Mortgage  
Mortgage Loans Principal Amount due 58,593,622
Residential Construction  
Mortgage Loans Principal Amount due 40,800,117
Commercial Loan  
Mortgage Loans Principal Amount due 51,536,622
DueInNextYearMember  
Mortgage Loans Principal Amount due 65,316,945
DueInNextYearMember | Residential Mortgage  
Mortgage Loans Principal Amount due 6,115,360
DueInNextYearMember | Residential Construction  
Mortgage Loans Principal Amount due 32,504,143
DueInNextYearMember | Commercial Loan  
Mortgage Loans Principal Amount due 26,697,442
DueInYearsTwoThroughFiveMember  
Mortgage Loans Principal Amount due 40,895,013
DueInYearsTwoThroughFiveMember | Residential Mortgage  
Mortgage Loans Principal Amount due 11,916,728
DueInYearsTwoThroughFiveMember | Residential Construction  
Mortgage Loans Principal Amount due 8,295,974
DueInYearsTwoThroughFiveMember | Commercial Loan  
Mortgage Loans Principal Amount due 20,682,311
DueThereafterMember  
Mortgage Loans Principal Amount due 44,718,403
DueThereafterMember | Residential Mortgage  
Mortgage Loans Principal Amount due 40,561,534
DueThereafterMember | Commercial Loan  
Mortgage Loans Principal Amount due $ 4,156,869
XML 142 R127.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 2: Investments: Schedule of loan loss reserve which is included in other liabilities and accrued expenses (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Details      
Loan loss reserve, balance at start of period $ 2,805,900 $ 1,718,150  
Provision for current loan originations 2,988,754 2,845,940  
Provision for loan loss reserve 1,700,000 3,449,103 $ 1,000,000
Loan loss reserve, Charge-offs and settlements (6,866,921) (5,207,293)  
Loan loss reserve, balance at end of period $ 627,733 $ 2,805,900 $ 1,718,150
XML 143 R128.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 3: Receivables: Schedule of Receivables (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Details    
Trade contracts $ 3,482,175 $ 2,890,489
Receivables from sales agents 4,016,393 3,280,423
Receivables held in escrow 107,388 245,088
Other Receivables 1,122,890 1,345,690
Accounts Receivable, Gross 8,728,846 7,761,690
Allowance for Doubtful Accounts Receivable (2,355,482) (1,700,696)
Receivables, net $ 6,373,364 $ 6,060,994
XML 144 R129.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 4: Value of Business Acquired: Schedule of Value of Business Acquired (Details) - USD ($)
12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Details              
Value of business acquired, balance at start of period         $ 7,570,300 $ 8,743,773 $ 8,547,627
Increase (Decrease) in value of business acquired             1,473,272
Imputed interest on value of business acquired [1]           45,762 590,108
Value of business acquired - amortization           (1,219,235) (1,867,234)
Value of business acquired - net amortization charged to income $ (835,000) $ (899,000) $ (966,000) $ (1,041,000) $ (1,119,000) (1,173,473) (1,277,126)
Value of business acquired, balance at start of period           $ 7,570,300 $ 8,743,773
[1] Imputed interest at 7%.
XML 145 R130.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 4: Value of Business Acquired: Net amortization charged to income (Details) - USD ($)
12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Details              
Value of business acquired - net amortization charged to income $ 835,000 $ 899,000 $ 966,000 $ 1,041,000 $ 1,119,000 $ 1,173,473 $ 1,277,126
XML 146 R131.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 4: Value of Business Acquired: Goodwill and Intangible Assets Disclosure (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Details    
Goodwill, Beginning Balance $ 2,765,570 $ 2,765,570
Goodwill, Ending Balance $ 2,765,570 $ 2,765,570
XML 147 R132.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 5: Property and Equipment: Property, Plant and Equipment (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Property, Plant and Equipment, Gross $ 28,704,186 $ 29,740,057
Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment (19,912,664) (18,298,397)
Property and equipment, net 8,791,522 11,441,660
Land and Building    
Property, Plant and Equipment, Gross 9,155,665 13,126,195
Office Equipment    
Property, Plant and Equipment, Gross $ 19,548,521 $ 16,613,862
XML 148 R133.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 5: Property and Equipment (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Details      
Property, Plant and Equipment, Other, Accumulated Depreciation $ 2,182,724 $ 2,183,496 $ 2,177,165
XML 149 R134.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 6: Bank and Other Loans Payable: Summary of Bank Loans Payable (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Bank loans payable $ 152,140,679 $ 131,005,614
Current Installment 101,177,574 119,734,751
Bank and other loans, excluding current installments 50,963,105 11,270,863
N634NotePayableMember    
Bank loans payable [1] 147,346 312,240
MarkToMarketOfInterestRateSwapsMember    
Bank loans payable 3,308 13,947
N650NotePayableMember    
Bank loans payable [2] 251,072  
N625ANotePayableMember    
Bank loans payable [3] 3,133,787 3,260,266
N385ANotePayableMember    
Bank loans payable [4] 1,093,349 2,062,512
N427NotePayableMember    
Bank loans payable [5] 2,904,354  
N440NotePayableMember    
Bank loans payable [6] 7,927,526 8,135,438
N4329NotePayableMember    
Bank loans payable [7] 1,992,056 2,020,993
N625BNotePayableMember    
Bank loans payable [8] 8,777,941  
N99789NotePayableMember    
Bank loans payable [9] 27,377,114 24,933,346
N0625ANotePayableMember    
Bank loans payable [10] 76,843,180 61,302,069
N0625BNotePayableMember    
Bank loans payable [11] 21,578,951 28,794,630
OtherCollateralizedBankLoansPayableMember    
Bank loans payable 109,734 169,212
OtherNotesPayable1Member    
Bank loans payable $ 961 $ 961
[1] Payable in monthly installments of $13,741 including principal and interest, collateralized by real property with a book value of approximately $498,000, due November 2017.
[2] Monthly installments of $1,702 including principal and interest, collateralized by real property with a book value of approximately $278,000, due October 2041
[3] Monthly LIBOR rate note payable in monthly principal payments of $13,167 plus interest, collateralized by real property with a book value of approximately $4,564,000, due October 2021
[4] Monthly installments of $86,059 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due January 2018
[5] Monthly installments of $53,881 including principal and interest, collateralized by shares of Security National Life Insurance Company stock, due November 2021
[6] Monthly installments of $46,825 including principal and interest, collateralized by real property with a book value of approximately $12,060,000 due January 2026.
[7] Monthly installments of $9,775 including principal and interest, collateralized by real property with a book value of approximately $3,048,000, due September 2025
[8] Monthly LIBOR rate construction loan payable, collateralized by real property with a book value of approximately $31,835,000, due August 2019
[9] Monthly installments of approximately $123,800, collateralized by real property with a book value of approximately $35,798,000, due October 2019
[10] 1 month LIBOR rate plus 3% loan purchase agreement with a warehouse line availability of $100,000,000, matures June 2018
[11] 1 month LIBOR rate plus 3% loan purchase agreement with a warehouse line availability of $100,000,000, matures September 2017
XML 150 R135.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 6: Bank and Other Loans Payable (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Interest expense $ 5,111,868 $ 4,458,612 $ 2,994,429
InterestRateSwapInstrumentMember      
Long-term Debt, Fair Value $ 3,308 13,947  
Debt Instrument, Interest Rate, Effective Percentage 2.65%    
Derivative Liability $ 3,308   $ 13,947
Change in accumulated other comprehensive income $ 10,639 $ 17,423  
RevolvingLineOfCredit1Member      
Line of Credit Facility, Description The Company has a $2,000,000 revolving line-of-credit with a bank with interest payable at the prime rate minus .75%    
Line of Credit Facility, Maximum Borrowing Capacity $ 2,000,000    
Line of Credit Facility, Interest Rate at Period End 3.00%    
Line of Credit Facility, Collateral secured by the capital stock of Security National Life    
RevolvingLineOfCredit2Member      
Line of Credit Facility, Description The Company has a $2,500,000 revolving line-of-credit with a bank with interest payable at the overnight LIBOR rate plus 2.25%    
Line of Credit Facility, Maximum Borrowing Capacity $ 2,500,000    
Line of Credit Facility, Interest Rate at Period End 2.94%    
XML 151 R136.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 6: Bank and Other Loans Payable: Schedule of combined maturities of bank loans payable, lines of credit and notes and contracts payable (Details)
Dec. 31, 2016
USD ($)
Bank loans payable, lines of credit and notes and contracts payable $ 152,140,679
DueInYearOneMember  
Bank loans payable, lines of credit and notes and contracts payable 101,177,574
DueInYearTwoMember  
Bank loans payable, lines of credit and notes and contracts payable 1,539,638
DueInYearThreeMember  
Bank loans payable, lines of credit and notes and contracts payable 36,128,905
DueInYearFourMember  
Bank loans payable, lines of credit and notes and contracts payable 1,066,254
DueInYearFiveMember  
Bank loans payable, lines of credit and notes and contracts payable 3,436,591
DueInYearThereafterMember  
Bank loans payable, lines of credit and notes and contracts payable $ 8,791,717
XML 152 R137.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 7: Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds: Schedule of the components of the cemetery perpetual care obligation (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Details    
Cemetery perpetual care obligation, trust investments at market value $ 4,131,885 $ 2,848,759
Cemetery perpetual care obligation, note receivables eliminated in consolidation 1,725,714 1,780,618
Cemetery perpetual care obligation, trust assets 5,857,599 4,629,377
Cemetery perpetual care obligation (3,598,580) (3,465,771)
Cemetery perpetual care obligation, fair value of trust assets in excess of trust obligations $ 2,259,019 $ 1,163,606
XML 153 R138.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 7: Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds: Schedule of Restricted Assets in Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Restricted assets $ 10,391,394 $ 9,359,802
CashAndCashEquivalents1Member    
Restricted assets 8,070,972 7,206,863
MutualFundsMember    
Restricted assets 645,241 596,994
FixedMaturitySecuritiesMember    
Restricted assets 8,775 8,775
EquitySecurities1Member    
Restricted assets 91,362 89,450
ParticipatingInMortgageLoansWithSecurityNationalLifeMember    
Restricted assets $ 1,575,044 $ 1,457,720
XML 154 R139.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 8: Income Taxes: Summary of Income Tax Liability (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Details    
Current Income Tax Liability $ (1,511,762) $ (215,366)
Income Tax Liability 25,830,631 20,628,255
Income taxes $ 24,318,869 $ 20,412,889
XML 155 R140.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 8: Income Taxes: Schedule of components of Deferred Tax Liabilities (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Liabilities    
Income Tax Liability $ 25,830,631 $ 20,628,255
ApproximateMember    
Assets    
Deferred Tax, Future policy benefits (9,719,058) (7,551,336)
Deferred Tax, Loan Loss Reserve (288,590) (1,163,700)
Deferred Tax, Unearned premium (1,519,722) (1,610,684)
Deferred Tax, Available for sale Securities (51,266) (150,984)
Deferred Tax Net Operating Loss (1,531,160) (588,537)
Deferred Tax Deferred Compensation (2,225,208) (1,994,927)
Deferred Tax Deposit Obligations (1,033,580) (1,026,984)
Deferred Tax, Other assets (3,384,144) (3,694,959)
Deferred Tax, Valuation Allowance 431,802  
Deferred Tax Assets, Net of Valuation Allowance (19,320,926) (17,782,111)
Liabilities    
Deferred Tax, Deferred policy acquisition costs 18,150,517 14,838,604
Deferred Tax, Basis difference in property and equipment 10,749,036 9,375,146
Deferred Tax, Value of business acquired 2,573,902 2,972,883
Deferred Tax, Installment sales 9,290,123 6,902,888
Deferred Tax, Trusts 1,599,657 1,599,657
Tax on unrealized appreciation 2,788,322 2,721,188
Deferred Tax Liabilities, Net 45,151,557 38,410,366
Income Tax Liability $ 25,830,631 $ 20,628,255
XML 156 R141.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 8: Income Taxes: Deferred taxes, taxes paid and changes in valuation allowance (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Details      
Deferred Taxes Increase In The Valuation Allowance $ 431,802    
Income taxes $ 2,667,918 $ 2,716,161 $ 408,939
XML 157 R142.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 8: Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Details      
Federal Income Tax Expense (Benefit), Continuing Operations $ 1,138,196 $ 2,423,846 $ 1,532,539
State and Local Income Tax Expense (Benefit), Continuing Operations 245,764 412,175 121,124
Current Income Tax Expense (Benefit) 1,383,960 2,836,021 1,653,663
Deferred Federal Income Tax Expense (Benefit) 5,686,651 4,413,336 3,406,545
Deferred State and Local Income Tax Expense (Benefit) 443,993 412,674 449,911
Provision for deferred and other income taxes 6,130,644 4,826,010 3,856,456
Income tax expense $ 7,514,604 $ 7,662,031 $ 5,510,119
XML 158 R143.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 8: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Details      
Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount $ 6,699,099 $ 7,144,580 $ 4,667,165
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Amount 455,240 544,400 376,883
Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Amount 431,802    
Effective Income Tax Rate Reconciliation, Other Adjustments, Amount (71,537) (26,949) 466,071
Income tax expense $ 7,514,604 $ 7,662,031 $ 5,510,119
XML 159 R144.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 8: Income Taxes: Unrecognized tax benefits, interest and penalties (Details)
Dec. 31, 2016
USD ($)
Details  
Unrecognized Tax Benefits $ 0
XML 160 R145.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 9: Reinsurance, Commitments and Contingencies (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Amounts accrued for loan losses $ 628,000 $ 2,806,000  
Rent expense related to non-cancelable operating leases 7,879,000 7,199,000 $ 5,589,000
UnauditedMember      
Insurance assumed from other companies $ 110,000 $ 1,468,935,000  
XML 161 R146.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 9: Reinsurance, Commitments and Contingencies: Schedule of Future Minimum Rental Payments for Operating Leases (Details)
Dec. 31, 2016
USD ($)
Details  
Operating Leases, Future Minimum Payments Due, Next Twelve Months $ 6,556,093
Operating Leases, Future Minimum Payments, Due in Two Years 4,121,399
Operating Leases, Future Minimum Payments, Due in Three Years 2,583,941
Operating Leases, Future Minimum Payments, Due in Four Years 1,151,873
Operating Leases, Future Minimum Payments, Due in Five Years 496,713
Operating Leases, Future Minimum Payments Due $ 14,910,019
XML 162 R147.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 9: Reinsurance, Commitments and Contingencies: Other Contingencies and Commitments (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Details    
Reserve related to Insurance programs $ 416,576 $ 834,855
XML 163 R148.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 10: Retirement Plans: Noncontributory Employee Stock Ownership Plan (ESOP) (Details) - EmployeeStockOwnershipPlanESOPMember
12 Months Ended
Dec. 31, 2016
shares
Employee Stock Ownership Plan (ESOP), Plan Description The Company and its subsidiaries have a noncontributory Employee Stock Ownership Plan (“ESOP”) for all eligible employees. Eligible employees are primarily those with more than one year of service, who work in excess of 1,000 hours per year. Contributions, which may be in cash or stock of the Company, are determined annually by the Board of Directors. The Company’s contributions are allocated to eligible employees based on the ratio of each eligible employee’s compensation to total compensation for all eligible employees during each year.
Class A Common Stock  
Employee Stock Ownership Plan (ESOP), Shares in ESOP 500,450
Class C Common Stock  
Employee Stock Ownership Plan (ESOP), Shares in ESOP 265,623
XML 164 R149.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 10: Retirement Plans: 401(k) Plans (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Defined Contribution Plan, Description The Company has three 401(k) savings plans covering all eligible employees, as defined above, which includes employer participation in accordance with the provisions of Section 401(k) of the Internal Revenue Code. The plans allow participants to make pretax contributions up to a maximum of $18,000, $18,000 and $17,500 for the years 2016, 2015 and 2014, respectively or the statutory limits.    
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Amount $ 18,000 $ 18,000 $ 17,500
SafeHarborPlanMember      
Contribution to Retirement Plan $ 1,429,962 $ 1,197,236 $ 899,850
XML 165 R150.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 10: Retirement Plans: Deferred Compensation Plans (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
ScottMQuistMember      
Present value of anticipated benefits $ 511,443 $ 999,961 $ 833,183
Deferred Compensation Arrangement with Individual, Recorded Liability 3,776,368 3,264,925  
MrBecksteadMember      
Present value of anticipated benefits 148,557 320,039 $ 154,817
Deferred Compensation Arrangement with Individual, Recorded Liability $ 1,109,277 $ 1,093,720  
DeferredCompensationPlanMember      
Deferred Compensation Arrangements, Overall, Description Under the terms of the Plan, the Company will provide deferred compensation for a select group of management or highly compensated employees, within the meaning of Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974, as amended. The Board has appointed a Committee of the Company to be the Plan Administrator and to determine the employees who are eligible to participate in the plan. The employees who participate may elect to defer a portion of their compensation into the plan.    
XML 166 R151.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 11: Capital Stock: Schedule of Activity in shares of capital stock (Details) - USD ($)
12 Months Ended 24 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2014
Dec. 31, 2013
Class A Common Stock          
Common Stock Outstanding 13,819,006 13,109,100 12,459,240 12,459,240 11,807,287
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period 42,634 23,961   54,412  
Dividends $ 657,919 $ 624,483 $ 595,020    
Conversion of Stock, Shares Issued 9,353 1,416 2,521    
Class C Common Stock          
Common Stock Outstanding 1,902,229 1,709,640 1,394,069 1,394,069 1,330,191
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period 104,975 241,652      
Dividends $ 96,967 $ 75,335 $ 66,384    
Conversion of Stock, Shares Issued (9,353) (1,416) (2,521)    
XML 167 R152.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 11: Capital Stock: Schedule of Basic and diluted earnings per share (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Details      
Net Earnings (Loss) $ 12,188,627 $ 13,351,441 $ 8,216,832
Weighted Average Number of Shares Outstanding, Basic and Diluted 14,806,290 14,439,274 13,893,260
Employee stock options $ 320,914 $ 512,559 $ 451,215
Diluted weighted-average shares outstanding 320,914 512,559 451,215
Adjustedweighted average shares and assumed conversions 15,127,204 14,951,833 14,344,475
Net earnings per Class A Equivalent common share (1) $ 0.82 $ 0.92 $ 0.59
Net earnings per Class A equivalent common share - assuming dilution(1) $ 0.81 $ 0.89 $ 0.57
XML 168 R153.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 12: Stock Compensation Plans (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Details      
Employee Service Share-based Compensation, Allocation of Recognized Period Costs, Capitalized Amount $ 343,577 $ 387,608 $ 391,220
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value $ 670,959 $ 1,190,879  
XML 169 R154.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 12: Stock Compensation Plans: Schedule of Activity of the 2003 Plan (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Class A Common Stock        
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Outstanding, Number 741,973 618,261 512,795 405,133
Shares outstanding $ 4.33 $ 3.89 $ 3.20 $ 2.41
Adjustment for the effect of stock dividends 35,346 29,335 24,446  
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Granted 133,500 133,500 173,500  
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Exercised (42,634) (26,850) (59,713)  
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures in Period (2,500) (30,519) (30,571)  
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number   601,731    
Options exercisable $ 3.78      
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant 253,432      
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term 7 years 4 months 13 days      
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Remaining Contractual Term 6 years 9 months 7 days      
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value $ 1,452,902      
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value $ 1,452,574      
Class C Common Stock        
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Outstanding, Number 556,298 577,436 691,591 508,657
Shares outstanding $ 4.52 $ 3.54 $ 2.54  
Adjustment for the effect of stock dividends 26,491 27,497 32,934  
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Granted 80,000 100,000 150,000  
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Exercised (127,629) (241,652)    
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number   472,298    
Options exercisable $ 4.02      
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term 2 years 8 months 1 day      
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Remaining Contractual Term 2 years 3 months 7 days      
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value $ 1,079,136      
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value $ 1,079,136      
XML 170 R155.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 13: Statutory Financial Information and Dividend Limitations: Schedule of statutory accounting practices (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Statutory Accounting Practices, Statutory Net Income Amount $ 2,778,522 $ 3,478,826 $ 5,139,394
Statutory Accounting Practices, Statutory Capital and Surplus, Balance 44,055,297 35,942,860  
SecurityNationalLifeInsuranceMember      
Statutory Accounting Practices, Statutory Net Income Amount 2,601,408 3,478,338 5,137,208
Statutory Accounting Practices, Statutory Capital and Surplus, Balance 36,789,358 32,771,066  
First Guaranty Insurance Company      
Statutory Accounting Practices, Statutory Net Income Amount 174,562    
Statutory Accounting Practices, Statutory Capital and Surplus, Balance 4,091,847    
MemorialInsuranceCompanyOfAmericaMember      
Statutory Accounting Practices, Statutory Net Income Amount 460 49 415
Statutory Accounting Practices, Statutory Capital and Surplus, Balance 1,081,319 1,082,059  
SouthernSecurityLifeInsuranceCompanyIncMember      
Statutory Accounting Practices, Statutory Net Income Amount 889 491 467
Statutory Accounting Practices, Statutory Capital and Surplus, Balance 1,592,440 1,590,605  
TransWesternLifeInsuranceCompanyMember      
Statutory Accounting Practices, Statutory Net Income Amount 1,203 (52) $ 1,304
Statutory Accounting Practices, Statutory Capital and Surplus, Balance $ 500,333 $ 499,130  
XML 171 R156.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 14: Business Segment Information: Schedule of Segment Reporting Information, by Segment (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Revenue from customers $ 260,311,453 $ 239,429,192 $ 191,242,460
Net investment income 37,582,444 34,007,904 28,303,740
Gain (Loss) on Investments (176,387) 2,401,359 1,918,176
Other than Temporary Impairment Losses, Investments (270,358) (605,430) (164,240)
Other income 6,887,749 5,121,807 3,747,013
Net Investment Income 37,582,444 34,007,904 28,303,740
Total revenues 304,334,901 280,354,832 225,047,149
Death and other policy benefits 33,387,380 33,549,893 29,789,964
Increase (Decrease) in Future Policy Benefit Reserves 21,322,195 17,057,764 17,905,914
Amortization of deferred policy and preneed acquisition costs and Value of Business Acquired 8,003,175 5,641,293 6,892,978
Depreciation 2,182,724 2,183,496 2,177,165
Provision for Loan and Lease Losses 1,700,000 3,449,103 1,000,000
Costs related to funding mortgage loans 9,191,488 8,901,511 6,451,319
Other General Expense 203,732,840 184,099,688 144,108,429
Interest Expense, Other 5,111,868 4,458,612 2,994,429
Benefits and Expenses 284,631,670 259,341,360 211,320,198
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest 19,703,231 21,013,472 13,726,951
Income tax expense (7,514,604) (7,662,031) (5,510,119)
Net Earnings (Loss) 12,188,627 13,351,441 8,216,832
Identifiable Assets 951,678,583 840,473,166 749,692,842
Goodwill 2,765,570 2,765,570 2,765,570
Expenditures for long-lived assets 3,566,511 3,632,690 1,520,443
Life Insurance Segment      
Revenue from customers 66,902,126 58,883,721 57,037,623
Net investment income 28,618,485 25,297,486 23,008,489
Gain (Loss) on Investments (277,040) 2,332,456 1,208,391
Other than Temporary Impairment Losses, Investments (270,358) (413,714) (164,240)
Other income 632,260 824,759 682,682
Net Investment Income 7,119,692 7,615,338 6,128,389
Total revenues 102,725,165 94,540,046 87,901,334
Death and other policy benefits 33,387,380 33,549,893 29,789,964
Increase (Decrease) in Future Policy Benefit Reserves 21,322,195 17,057,764 17,905,914
Amortization of deferred policy and preneed acquisition costs and Value of Business Acquired 7,647,097 5,306,781 6,561,589
Depreciation 596,827 710,733 644,510
Administrative costs, intersegment     24,000
Other General Expense 29,478,156 27,416,860 23,045,928
Interest Expense, intersegment 781,078 726,919 725,354
Interest Expense, Other 1,654,264 1,151,860 578,083
Benefits and Expenses 94,866,997 85,920,810 79,275,342
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest 7,858,168 8,619,236 8,625,992
Income tax expense (3,451,292) (3,191,370) (3,796,327)
Net Earnings (Loss) 4,406,876 5,427,866 4,829,665
Identifiable Assets 821,097,220 721,362,741 652,348,803
Goodwill 2,765,570 2,765,570 2,765,570
Expenditures for long-lived assets 532,958 3,024,223 660,830
Cemetery and Mortuary      
Revenue from customers 12,267,640 11,502,045 11,426,308
Net investment income 312,494 450,854 275,324
Gain (Loss) on Investments 211,429 387,316 585,543
Other income 88,676 146,831 169,464
Net Investment Income 691,876 1,155,180 1,288,856
Total revenues 13,572,115 13,642,226 13,745,495
Amortization of deferred policy and preneed acquisition costs and Value of Business Acquired 356,078 334,512 331,389
Depreciation 390,362 403,066 436,390
Administrative costs, intersegment 148,025 156,777 166,079
Other General Expense 10,524,535 10,117,012 10,245,144
Interest Expense, intersegment 651,046 1,379,668 1,481,317
Interest Expense, Other 282,878 337,632 421,920
Benefits and Expenses 12,352,924 12,728,667 13,082,239
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest 1,219,191 913,559 663,256
Net Earnings (Loss) 1,219,191 913,559 663,256
Identifiable Assets 99,611,263 101,935,898 109,114,226
Expenditures for long-lived assets 723,445 154,226 121,677
Mortgage      
Revenue from customers 181,141,687 169,043,426 122,778,529
Net investment income 8,651,465 8,259,564 5,019,927
Gain (Loss) on Investments (110,776) (318,413) 124,242
Other than Temporary Impairment Losses, Investments   (191,716)  
Other income 6,166,813 4,150,217 2,894,867
Net Investment Income 327,778 326,822 642,880
Total revenues 196,176,967 181,269,900 131,460,445
Depreciation 1,195,535 1,069,697 1,096,265
Administrative costs, intersegment 219,974 199,244 208,513
Provision for Loan and Lease Losses 1,700,000 3,449,103 1,000,000
Costs related to funding mortgage loans 9,191,488 8,901,511 6,451,319
Other General Expense 163,730,148 146,565,817 110,817,359
Interest Expense, intersegment 6,339,224 6,634,731 5,454,860
Interest Expense, Other 3,174,726 2,969,120 1,994,426
Benefits and Expenses 185,551,095 169,789,223 127,022,742
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest 10,625,872 11,480,677 4,437,703
Income tax expense (4,063,312) (4,470,661) (1,713,792)
Net Earnings (Loss) 6,562,560 7,010,016 2,723,911
Identifiable Assets 171,844,559 157,283,191 130,972,484
Expenditures for long-lived assets 2,310,108 454,241 737,936
Significant Reconciling Items      
Net Investment Income (8,139,346) (9,097,340) (8,060,125)
Total revenues (8,139,346) (9,097,340) (8,060,125)
Administrative costs, intersegment (367,999) (356,021) (398,592)
Other General Expense 1 (1) (2)
Interest Expense, intersegment (7,771,348) (8,741,318) (7,661,531)
Benefits and Expenses (8,139,346) (9,097,340) (8,060,125)
Identifiable Assets $ (140,874,459) $ (140,108,664) $ (142,742,671)
XML 172 R157.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 16: Fair Value of Financial Instruments: Schedule of fair value assets and liabilities measured on a recurring basis (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Trading Securities, Equity $ 10,573,356 $ 8,431,090
Available-for-sale Securities 10,573,356 8,431,090
Restricted assets of cemeteries and mortuaries 736,603 686,444
Cemetery perpetual care trust investments 698,202 630,854
Derivatives - interest rate lock commitments 6,911,544 7,779,162
Other Investments 1,765,752 1,174,769
Assets, Fair Value Disclosure, Recurring 20,685,457 18,702,319
Policyholder account balances (49,421,125) (50,694,953)
Future policy benefits - annuities (99,388,662) (69,398,617)
Derivatives - bank loan interest rate swaps (3,308) (13,947)
Derivatives - bank loan interest rate swaps, Call Options (109,474) (16,342)
Derivatives - bank loan interest rate swaps, Put Options (26,494)  
Derivatives - bank loan interest rate swaps, Interest rate lock commitments (102,212) (107,667)
Obligations, Fair Value Disclosure (149,051,275) (120,260,355)
Fair Value, Inputs, Level 1    
Trading Securities, Equity 10,573,356 8,431,090
Available-for-sale Securities 10,573,356 8,431,090
Restricted assets of cemeteries and mortuaries 736,603 686,444
Cemetery perpetual care trust investments 698,202 630,854
Assets, Fair Value Disclosure, Recurring 12,008,161 9,748,388
Derivatives - bank loan interest rate swaps, Call Options (109,474) (16,342)
Derivatives - bank loan interest rate swaps, Put Options (26,494)  
Obligations, Fair Value Disclosure (135,968) (45,171)
Fair Value, Inputs, Level 3    
Derivatives - interest rate lock commitments 6,911,544 7,779,162
Other Investments 1,765,752 1,174,769
Assets, Fair Value Disclosure, Recurring 8,677,296 8,953,931
Policyholder account balances (49,421,125) (50,694,953)
Future policy benefits - annuities (99,388,662) (69,398,617)
Derivatives - bank loan interest rate swaps (3,308) (13,947)
Derivatives - bank loan interest rate swaps, Interest rate lock commitments (102,212) (107,667)
Obligations, Fair Value Disclosure $ (148,915,307) $ (120,215,184)
XML 173 R158.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 16: Fair Value of Financial Instruments: Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Policyholder Account Balances    
Fair Value Balance $ (50,694,953) $ (45,310,699)
Fair Value, Losses (Gains) included in earnings 1,273,828 (5,384,254)
Fair Value Balance (49,421,125) (50,694,953)
Future Policy Benefits - Annuities    
Fair Value Balance (69,398,617) (65,540,985)
Purchases (30,294,480)  
Fair Value, Losses (Gains) included in earnings 304,435 (3,857,632)
Fair Value Balance (99,388,662) (69,398,617)
Interest Rate Lock Commitments    
Fair Value Balance 7,671,495 5,105,605
Fair Value, Losses (Gains) included in earnings (862,163) 2,565,890
Fair Value Balance 6,809,332 7,671,495
Bank Loan Interest Rate Swaps    
Fair Value Balance (13,947) (31,370)
Fair Value, Losses (Gains) included in other comprehensive income 10,639 17,423
Fair Value Balance (3,308) (13,947)
Other Investments    
Fair Value Balance 1,174,769  
Purchases 600,000 1,200,000
Fair Value, Losses (Gains) included in other comprehensive income (9,017) (25,231)
Fair Value Balance $ 1,765,752 $ 1,174,769
XML 174 R159.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 16: Fair Value of Financial Instruments: Fair Value Assets Measured on a Nonrecurring Basis (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Mortgage Loans on Real Estate $ 2,809,925 $ 2,874,468
Mortgage servicing rights 8,603,154 6,217,551
Real estate held for investment 2,347,820 95,000
Assets, Fair Value Disclosure, Nonrecurring 13,760,899 9,187,019
Fair Value, Inputs, Level 3    
Mortgage Loans on Real Estate 2,809,925 2,874,468
Mortgage servicing rights 8,603,154 6,217,551
Real estate held for investment 2,347,820 95,000
Assets, Fair Value Disclosure, Nonrecurring $ 13,760,899 $ 9,187,019
XML 175 R160.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 16: Fair Value of Financial Instruments: Schedule of Financial Instruments Carried at Other Than Fair Value (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Carrying Value $ 184,979,644 $ 145,558,425
Estimated Carrying Value 191,850,749 150,507,158
Residential Mortgage    
Carrying Value 57,132,082 44,459,613
Estimated Carrying Value 61,357,393 47,193,950
Residential Construction    
Carrying Value 40,700,003 34,751,443
Estimated Carrying Value 40,700,003 34,751,443
Commercial Loan    
Carrying Value 51,349,493 33,335,849
Estimated Carrying Value 53,299,800 34,778,136
MortgageLoansNet1Member    
Carrying Value 149,181,578 211,453,006
Estimated Carrying Value 155,357,196 217,646,189
LoansHeldForSale1Member    
Carrying Value 189,139,832 112,546,905
Estimated Carrying Value 192,289,854 116,723,529
PolicyLoanMember    
Carrying Value 6,694,148 6,896,457
Estimated Carrying Value 6,694,148 6,896,457
Insurance Assignments    
Carrying Value 32,477,246 31,511,195
Estimated Carrying Value 32,477,246 31,511,195
ShortTermInvestments1Member    
Carrying Value 27,560,040 16,915,808
Estimated Carrying Value 27,560,040 16,915,808
MortgageServicingRights2Member    
Carrying Value 18,872,362 12,679,755
Estimated Carrying Value 25,496,832 13,897,160
BankAndOtherLoansPayable1Member    
Carrying Value (152,137,341) (130,991,667)
Estimated Carrying Value (152,137,341) (130,991,667)
Fair Value, Inputs, Level 2    
Estimated Carrying Value 191,850,749 150,507,158
Fair Value, Inputs, Level 3 | Residential Mortgage    
Estimated Carrying Value 61,357,393 47,193,950
Fair Value, Inputs, Level 3 | Residential Construction    
Estimated Carrying Value 40,700,003 34,751,443
Fair Value, Inputs, Level 3 | Commercial Loan    
Estimated Carrying Value 53,299,800 34,778,136
Fair Value, Inputs, Level 3 | MortgageLoansNet1Member    
Estimated Carrying Value 155,357,196 217,646,189
Fair Value, Inputs, Level 3 | LoansHeldForSale1Member    
Estimated Carrying Value 192,289,854 116,723,529
Fair Value, Inputs, Level 3 | PolicyLoanMember    
Estimated Carrying Value 6,694,148 6,896,457
Fair Value, Inputs, Level 3 | Insurance Assignments    
Estimated Carrying Value 32,477,246 31,511,195
Fair Value, Inputs, Level 3 | ShortTermInvestments1Member    
Estimated Carrying Value 27,560,040 16,915,808
Fair Value, Inputs, Level 3 | MortgageServicingRights2Member    
Estimated Carrying Value 25,496,832 13,897,160
Fair Value, Inputs, Level 3 | BankAndOtherLoansPayable1Member    
Estimated Carrying Value $ (152,137,341) $ (130,991,667)
XML 176 R161.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 17: Accumulated Other Comprehensive Income: Schedule of Changes in accumulated other comprehensive income (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Details    
Accumulated other comprehensive income, Unrealized gains (losses) on Available for Sale Securities $ 996,343 $ (1,289,508)
Reclassification adjustment for net realized gains in net income 160,575 113,751
Net unrealized gains (losses) before taxes 1,156,918 (1,175,757)
Tax (expense) benefit (399,228) 404,414
Net Unrealized Gain (Loss) 757,690 (771,343)
Net Potential unrealized gains (losses) for derivative mortgage loans before taxes 10,639 17,423
Potential Tax Expense Benefit (4,149) (6,795)
Net Unrealized Gain (Loss) including Derivatie Bank Loans and Tax benefit 6,490 10,628
Other comprehensive income changes $ 764,180 $ (760,715)
XML 177 R162.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 17: Accumulated Other Comprehensive Income: Accumulated Balances of Other Comprehensive Income (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Details      
Unrealized net gains on available- for-sale securities and trust investments $ (490,850) $ 280,493 $ 346,341
Increase (Decrease) in Unrealized net gains on available- for-sale securities and trust investments 757,690 (771,343) (65,848)
Unrealized net gains on available- for-sale securities and trust investments 266,840 (490,850) 280,493
Unrealized gains (losses) on derivative bank loan interest rate swaps (8,508) (19,136) (35,569)
Increase (Decrease) in Unrealized gains (losses) on derivative bank loan interest rate swaps 6,490 10,628 16,433
Unrealized gains (losses) on derivative bank loan interest rate swaps (2,018) (8,508) (19,136)
Other comprehensive income, Balance (499,358) 261,357 310,772
Increase (Decrease) in Other comprehensive income, Balance 764,180 (760,715) (49,415)
Other comprehensive income, Balance $ 264,822 $ (499,358) $ 261,357
XML 178 R163.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 18: Derivative Instruments: Schedule of Derivative Assets at Fair Value (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
Details    
Fair Value of Asset Derivatives, Interest rate lock and forward sales commitments $ 6,911,544 $ 7,779,162
Fair Value of Liability Derivatives, Interest rate lock and forward sales commitments 102,212 107,667
Fair Value of Liability Derivatives, Call Options 109,474 16,342
Fair Value of Liability Derivatives, Put Options 26,494 28,829
Fair Value of Liability Derivatives, Interest Rate Swaps 3,308 13,947
Fair Value of Asset Derivatives, Total 6,911,544 7,779,162
Fair Value of Liability Derivatives, Total $ 241,488 $ 166,785
XML 179 R164.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 18: Derivative Instruments: Schedule of Gains and Losses on Derivatives (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Details    
Gain (Loss) on Derivatives, Interest Rate Swaps $ 10,639 $ 17,423
Sub total Gain on Derivatives 10,639 17,423
Tax Effect Gain on Derivatives 4,149 6,795
Gain (Loss) on Derivatives, Total $ 6,490 $ 10,628
XML 180 R165.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 19: Acquisitions: The Estimated Fair Values of The Assets Acquired and The Liabilities Assumed At The Date of Acquisition (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2014
First Guaranty Insurance Company    
Fair Value of Assets Acquired $ 6,753,000  
American Funeral Financial    
Fair Value of Assets Acquired   $ 15,011,193
FixedMaturitySecuritiesHeldToMaturityMember | First Guaranty Insurance Company    
Fair Value of Assets Acquired 43,878,084  
EquitySecuritiesAvailableForSaleMember | First Guaranty Insurance Company    
Fair Value of Assets Acquired 646,335  
MortgageLoansOnRealEstate1Member | First Guaranty Insurance Company    
Fair Value of Assets Acquired 4,528,582  
RealEstateHeldForInvestmentMember | First Guaranty Insurance Company    
Fair Value of Assets Acquired 528,947  
PolicyLoans1Member | First Guaranty Insurance Company    
Fair Value of Assets Acquired 145,953  
ShortTermInvestments1Member | First Guaranty Insurance Company    
Fair Value of Assets Acquired 5,358,403  
AccruedInvestmentIncomeMember | First Guaranty Insurance Company    
Fair Value of Assets Acquired 585,985  
CashAndCashEquivalents1Member | First Guaranty Insurance Company    
Fair Value of Assets Acquired 2,424,480  
ReceivablesMember | First Guaranty Insurance Company    
Fair Value of Assets Acquired 73,347  
PropertyAndEquipmentMember | First Guaranty Insurance Company    
Fair Value of Assets Acquired 21,083  
PropertyAndEquipmentMember | American Funeral Financial    
Fair Value of Assets Acquired   760,120
DeferredTaxAssetMember | First Guaranty Insurance Company    
Fair Value of Assets Acquired 1,190,862  
ReceivableFromReinsurersMember | First Guaranty Insurance Company    
Fair Value of Assets Acquired 34,948  
OtherMember | First Guaranty Insurance Company    
Fair Value of Assets Acquired 57,768  
OtherMember | American Funeral Financial    
Fair Value of Assets Acquired   1,379,158
TotalAssetsMember | First Guaranty Insurance Company    
Fair Value of Assets Acquired 59,474,777  
TotalAssetsMember | American Funeral Financial    
Fair Value of Assets Acquired   16,379,193
FutureLifeAnnuityAndOtherBenefitsMember | First Guaranty Insurance Company    
Fair Value of Assets Acquired (52,648,838)  
AccountsPayable1Member | First Guaranty Insurance Company    
Fair Value of Assets Acquired (6,953)  
OtherLiabilitiesAndAccruedExpensesMember | First Guaranty Insurance Company    
Fair Value of Assets Acquired (65,986)  
OtherLiabilitiesAndAccruedExpensesMember | American Funeral Financial    
Fair Value of Assets Acquired   (1,368,000)
TotalLiabilitiesMember | First Guaranty Insurance Company    
Fair Value of Assets Acquired $ (52,721,777)  
TotalLiabilitiesMember | American Funeral Financial    
Fair Value of Assets Acquired   (1,368,000)
OtherLoansMember | American Funeral Financial    
Fair Value of Assets Acquired   11,866,193
Goodwill1Member | American Funeral Financial    
Fair Value of Assets Acquired   $ 2,373,722
XML 181 R166.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 19: Acquisitions: Business Acquisition, Pro Forma Information (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
First Guaranty Insurance Company      
Business Acquisition, Pro Forma Revenue $ 306,471,770 $ 284,812,830 $ 229,483,646
Business Acquisition, Pro Forma Net Income (Loss) $ 11,923,653 $ 12,627,709 $ 8,044,482
Business Acquisition, Pro Forma Earnings Per Share, Basic $ 0.95 $ 0.88 $ 0.57
Business Acquisition, Pro Forma Earnings Per Share, Diluted $ 0.93 $ 0.85 $ 0.55
American Funeral Financial      
Business Acquisition, Pro Forma Revenue $ 304,334,901 $ 280,354,832 $ 227,379,128
Business Acquisition, Pro Forma Net Income (Loss) $ 12,188,627 $ 13,351,441 $ 8,458,589
Business Acquisition, Pro Forma Earnings Per Share, Basic $ 0.96 $ 0.93 $ 0.59
Business Acquisition, Pro Forma Earnings Per Share, Diluted $ 0.94 $ 0.90 $ 0.58
XML 182 R167.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 20: Mortgage Servicing Rights: Schedule of mortgage servicing rights (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Details    
Mortgage servicing rights $ 8,603,154 $ 6,217,551
Amortization of MSR's (2,410,547) (1,372,543)
MortgageServicingRights 18,872,362 12,679,755
Estimated fair value of MSRs $ 25,496,832 $ 13,897,160
XML 183 R168.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 20: Mortgage Servicing Rights: Schedule of Mortgage Servicing Rights Amortization (Details) - USD ($)
12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2017
Dec. 31, 2022
Details            
Estimated Amortization of Mortgage Service Rights $ 2,696,052 $ 2,696,052 $ 2,696,052 $ 2,696,052 $ 2,696,052  
Amortization of Mortgage Servicing Rights Thereafter           $ 5,392,104
XML 184 R169.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 20: Mortgage Servicing Rights: Schedule of Other Revenues (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Other Revenue, Net $ 5,865,207 $ 3,984,695 $ 2,764,633
Contractual Servicing Fees      
Other Revenue, Net 5,661,699 3,864,454 2,641,234
Late fees      
Other Revenue, Net $ 203,509 $ 120,241 $ 123,399
XML 185 R170.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 20: Mortgage Servicing Rights: Summary of Unpaid Principal Balances of the Servicing Portfolio (Details) - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Details      
Servicing Unpaid Principal Balance $ 2,720,441,340 $ 1,861,835,430 $ 1,227,249,143
XML 186 R171.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 20: Mortgage Servicing Rights: Assumptions used in determining MSR value (Details)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Details      
Prepayment Speeds 3.77% 3.02% 2.87%
Average Life in Years of MSR 6.52 5.24 4.96
Discount Rate 10.01% 10.00% 10.00%
XML 187 R172.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 21: Correction of Errors: Schedule of Error Corrections and Prior Period Adjustments (Details) - USD ($)
3 Months Ended 12 Months Ended
Dec. 30, 2016
Sep. 30, 2016
Jun. 30, 2016
Mar. 31, 2016
Dec. 31, 2015
Sep. 30, 2015
Jun. 30, 2015
Mar. 31, 2015
Dec. 31, 2014
Sep. 30, 2014
Jun. 30, 2014
Mar. 31, 2014
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Loans held for sale         $ 211,453,006               $ 189,139,832 $ 211,453,006    
Receivables, net         6,060,994               6,373,364 6,060,994    
Other assets         11,439,273               10,413,394 11,439,273    
Total Assets         840,473,166               951,678,583 840,473,166    
Future life, annuity, and other benefits         515,789,254               584,067,692 515,789,254    
Bank and other loans payable         131,005,614               152,140,679 131,005,614    
Income taxes         20,412,889               24,318,869 20,412,889    
Total liabilities         722,756,487               819,119,452 722,756,487    
Accumulated other comprehensive income, net of taxes         (499,358)               264,822 (499,358)    
Retained earnings         60,525,404               67,409,204 60,525,404    
Balance         117,716,679       $ 103,688,971       132,559,131 117,716,679 $ 103,688,971 $ 87,751,189
Total Liabilities and Stockholders' Equity         840,473,166               951,678,583 840,473,166    
Mortgage fee income                         183,542,796 171,517,284 126,807,473  
Total revenues                         304,334,901 280,354,832 225,047,149  
Increase in future policy benefits                         21,322,195 17,057,764 17,905,914  
Commissions                         88,634,494 80,900,618 59,374,542  
Provision for loan loss reserve                         1,700,000 3,449,103 1,000,000  
Costs related to funding mortgage loans                         9,191,488 8,901,511 6,451,319  
Total benefits and expenses                         284,631,670 259,341,360 211,320,198  
Earnings before income taxes                         19,703,231 21,013,472 13,726,951  
Income tax expense                         7,514,604 7,662,031 5,510,119  
Net earnings                         $ 12,188,627 $ 13,351,441 $ 8,216,832  
Net earnings per Class A Equivalent common share (1)                         $ 0.82 $ 0.92 $ 0.59  
Net earnings per Class A equivalent common share - assuming dilution(1)                         $ 0.81 $ 0.89 $ 0.57  
Net unrealized gains on derivative instruments                         $ 6,490 $ 10,628 $ 16,433  
Other comprehensive income                         764,180 (760,715) (49,415)  
Provision for deferred and other income taxes                         6,130,644 4,826,010 3,856,456  
Loans originated for sale                         (3,098,710,299) (2,861,404,239) (2,044,909,613)  
Proceeds from loans sold                         3,246,127,714 2,933,300,742 2,102,740,825  
Net gains on loans sold                         (137,682,984) (131,130,447) (93,144,155)  
Future life and other benefits                         17,989,595 15,078,397 13,930,657  
Other operating assets and liabilities                         (5,125,376) 4,456,090 (1,589,164)  
Net cash provided by (used in) operating activities                         35,535,014 (28,113,387) (12,463,558)  
Net change in warehouse line borrowings                         8,325,432 12,282,139 43,479,367  
Net cash provided by financing activities                         18,990,088 21,938,700 49,843,370  
ScenarioAsOriginallyReportedMember                                
Loans held for sale         115,286,455               82,491,091 115,286,455    
Receivables, net         16,026,100               18,870,119 16,026,100    
Other assets         7,100,869               6,891,468 7,100,869    
Total Assets         749,933,317               854,004,671 749,933,317    
Future life, annuity, and other benefits         517,177,388               585,610,063 517,177,388    
Bank and other loans payable         40,908,915               53,718,548 40,908,915    
Income taxes         25,052,059               27,904,294 25,052,059    
Total liabilities         638,687,092               725,825,117 638,687,092    
Accumulated other comprehensive income, net of taxes         1,533,828       1,438,566       264,822 1,533,828 1,438,566 1,218,396
Retained earnings         52,021,764       44,101,252       63,029,627 52,021,764 44,101,252 39,666,587
Balance         111,246,225               128,179,554 111,246,225    
Total Liabilities and Stockholders' Equity         749,933,317               854,004,671 749,933,317    
Mortgage fee income                         186,416,311 174,323,452 128,696,998  
Total revenues                         307,208,416 283,161,000 226,936,674  
Increase in future policy benefits                         21,476,432 17,212,001 18,060,151  
Commissions                         87,762,583 81,935,623 59,876,675  
Provision for loan loss reserve                         4,688,754 6,295,043 3,053,403  
Costs related to funding mortgage loans                         8,756,791 8,864,404 6,877,069  
Total benefits and expenses                         286,468,053 263,339,435 214,455,721  
Earnings before income taxes                         20,740,363 19,821,565 12,480,953  
Income tax expense                         (6,460,859) (7,198,685) (4,726,305)  
Net earnings                         $ 14,279,504 $ 12,622,880 $ 7,754,648  
Net earnings per Class A Equivalent common share (1)                         $ 0.96 $ 0.87 $ 0.56  
Net earnings per Class A equivalent common share - assuming dilution(1)                         $ 0.94 $ 0.84 $ 0.54  
Net unrealized gains on derivative instruments                         $ 6,490 $ 866,605 $ 286,018  
Other comprehensive income                         764,180 95,262 220,170  
Provision for deferred and other income taxes                         5,076,899 4,909,927 3,245,004  
Future life and other benefits                         18,143,832 15,232,634 14,084,894  
Receivables for mortgage loans sold                         20,216,621 (47,752,055) 7,362,353  
Other operating assets and liabilities                         (8,473,503) 4,890,770 (135,279)  
Net cash provided by (used in) operating activities                         43,860,446 (15,831,248) 31,015,809  
Net cash provided by financing activities                         $ 10,664,656 9,656,561 6,364,003  
AdjustmentAMember                                
Accumulated other comprehensive income, net of taxes         (2,033,186)       (1,177,209)         (2,033,186) (1,177,209) (907,624)
Retained earnings         2,033,186       1,177,209         2,033,186 1,177,209 907,624
Mortgage fee income                           1,403,240 441,943  
Total revenues                           1,403,240 441,943  
Earnings before income taxes                           1,403,240 441,943  
Income tax expense                           (547,263) (172,358)  
Net earnings                           $ 855,977 $ 269,585  
Net earnings per Class A Equivalent common share (1)                         $ 0.00 $ 0.06 $ 0.02  
Net earnings per Class A equivalent common share - assuming dilution(1)                         $ 0.00 $ 0.06 $ 0.02  
Net unrealized gains on derivative instruments                           $ (855,977) $ (269,585)  
Other comprehensive income                           (855,977) (269,585)  
Scenario, Previously Reported                                
Loans held for sale         115,286,455               $ 82,491,091 115,286,455    
Receivables, net         16,026,100               18,870,119 16,026,100    
Other assets         7,100,869               6,891,468 7,100,869    
Total Assets         749,933,317               854,004,671 749,933,317    
Future life, annuity, and other benefits         517,177,388               585,610,063 517,177,388    
Bank and other loans payable         40,908,915               53,718,548 40,908,915    
Income taxes         25,052,059               27,904,294 25,052,059    
Total liabilities         638,687,092               725,825,117 638,687,092    
Accumulated other comprehensive income, net of taxes         (499,358)       261,357       264,822 (499,358) 261,357 310,772
Retained earnings         54,054,950       45,278,461       63,029,627 54,054,950 45,278,461 40,574,211
Balance         111,246,225               128,179,554 111,246,225    
Total Liabilities and Stockholders' Equity         749,933,317               854,004,671 749,933,317    
Mortgage fee income                         186,416,311 175,726,692 129,138,941  
Total revenues $ 74,147,490 $ 84,393,427 $ 81,312,192 $ 67,355,307 66,671,215 $ 74,062,877 $ 77,292,625 $ 66,537,523 60,662,683 $ 61,012,516 $ 60,200,879 $ 45,502,539 307,208,416 284,564,240 227,378,617  
Increase in future policy benefits                         21,476,432 17,212,001 18,060,151  
Commissions                         87,762,583 81,935,623 59,876,675  
Provision for loan loss reserve                         4,688,754 6,295,043 3,053,403  
Costs related to funding mortgage loans                         8,756,791 8,864,404 6,877,069  
Total benefits and expenses                         286,468,053 263,339,435 214,455,721  
Earnings before income taxes                         20,740,363 21,224,805 12,922,896  
Income tax expense $ 233,548 $ 2,190,206 $ 2,456,885 $ 1,580,220 $ 426,823 $ 2,346,210 $ 2,867,957 $ 2,104,958 $ 1,864,368 $ 961,140 $ 1,870,803 $ 202,352 (6,460,859) (7,745,948) (4,898,663)  
Net earnings                         $ 14,279,504 $ 13,478,857 $ 8,024,233  
Net earnings per Class A Equivalent common share (1) $ 0.12 $ 0.32 $ 0.35 $ 0.18 $ 0.10 $ 0.28 $ 0.32 $ 0.24 $ 0.20 $ 0.12 $ 0.22 $ 0.03 $ 0.96 $ 0.93 $ 0.58  
Net earnings per Class A equivalent common share - assuming dilution(1) $ 0.12 $ 0.31 $ 0.34 $ 0.17 $ 0.10 $ 0.26 $ 0.31 $ 0.23 $ 0.19 $ 0.12 $ 0.22 $ 0.03 $ 0.94 $ 0.90 $ 0.56  
Net unrealized gains on derivative instruments                         $ 6,490 $ 10,628 $ 16,433  
Other comprehensive income                         764,180 (760,715) (49,415)  
Provision for deferred and other income taxes                         5,076,899 4,909,927 3,245,004  
Future life and other benefits                         18,143,832 15,232,634 14,084,894  
Receivables for mortgage loans sold                         20,216,621 (47,752,055) 7,362,353  
Other operating assets and liabilities                         (8,473,503) 4,890,770 (135,279)  
Net cash provided by (used in) operating activities                         43,860,446 (15,831,248) 31,015,809  
Net cash provided by financing activities                         10,664,656 9,656,561 6,364,003  
AdjustmentBMember                                
Loans held for sale         $ 96,166,551               106,648,741 96,166,551    
Receivables, net         (9,965,106)               (12,496,755) (9,965,106)    
Other assets         4,338,404               3,521,926 4,338,404    
Total Assets         90,539,849               97,673,912 90,539,849    
Future life, annuity, and other benefits         (1,388,134)               (1,542,371) (1,388,134)    
Bank and other loans payable         90,096,699               98,422,131 90,096,699    
Income taxes         (4,639,170)               (3,585,425) (4,639,170)    
Total liabilities         84,069,395               93,294,335 84,069,395    
Retained earnings         6,470,454       $ 6,597,870       4,379,577 6,470,454 6,597,870 6,405,271
Balance         6,470,454               4,379,577 6,470,454    
Total Liabilities and Stockholders' Equity         90,539,849               97,673,912 90,539,849    
Mortgage fee income                         (2,873,515) (4,209,408) (2,331,468)  
Total revenues                         (2,873,515) (4,209,408) (2,331,468)  
Increase in future policy benefits                         (154,237) (154,237) (154,237)  
Commissions                         871,911 (1,035,005) (502,133)  
Provision for loan loss reserve                         (2,988,754) (2,845,940) (2,053,403)  
Costs related to funding mortgage loans                         434,697 37,107 (425,750)  
Total benefits and expenses                         (1,836,383) (3,998,075) (3,135,523)  
Earnings before income taxes                         (1,037,132) (211,333) 804,055  
Income tax expense                         (1,053,745) 83,917 (611,456)  
Net earnings                         $ (2,090,877) $ (127,416) $ 192,599  
Net earnings per Class A Equivalent common share (1)                         $ (0.14) $ (0.01) $ 0.01  
Net earnings per Class A equivalent common share - assuming dilution(1)                         $ (0.14) $ (0.01) $ 0.01  
Provision for deferred and other income taxes                         $ 1,053,745 $ (83,917) $ 611,452  
Loans originated for sale                         (3,098,710,299) (2,861,404,239) (2,044,909,613)  
Proceeds from loans sold                         3,246,127,714 2,933,300,742 2,102,740,825  
Net gains on loans sold                         (137,682,984) (131,130,447) (93,144,155)  
Future life and other benefits                         (154,237) (154,237) (154,237)  
Receivables for mortgage loans sold                         (20,216,621) 47,752,055 (7,362,353)  
Other operating assets and liabilities                         3,348,127 (434,680) (1,453,885)  
Net cash provided by (used in) operating activities                         (8,325,432) (12,282,139) (43,479,367)  
Net change in warehouse line borrowings                         8,325,432 12,282,139 43,479,367  
Net cash provided by financing activities                         8,325,432 12,282,139 43,479,367  
Restatement Adjustment                                
Loans held for sale         211,453,006               189,139,832 211,453,006    
Receivables, net         6,060,994               6,373,364 6,060,994    
Other assets         11,439,273               10,413,394 11,439,273    
Total Assets         840,473,166               951,678,583 840,473,166    
Future life, annuity, and other benefits         515,789,254               584,067,692 515,789,254    
Bank and other loans payable         131,005,614               152,140,679 131,005,614    
Income taxes         20,412,889               24,318,869 20,412,889    
Total liabilities         722,756,487               819,119,452 722,756,487    
Accumulated other comprehensive income, net of taxes         (499,358)       261,357       264,822 (499,358) 261,357 310,772
Retained earnings         60,525,404       51,876,331       67,409,204 60,525,404 51,876,331 $ 46,979,482
Balance         117,716,679               132,559,131 117,716,679    
Total Liabilities and Stockholders' Equity         840,473,166               951,678,583 840,473,166    
Mortgage fee income                         183,542,796 171,517,284 126,807,473  
Total revenues $ 71,842,669 $ 82,948,657 $ 80,087,227 $ 69,456,348 64,357,046 $ 74,985,622 $ 75,187,618 $ 65,824,546 60,279,687 $ 60,515,415 $ 58,408,816 $ 45,843,231 304,334,901 280,354,832 225,047,149  
Increase in future policy benefits                         21,322,195 17,057,764 17,905,914  
Commissions                         88,634,494 80,900,618 59,374,542  
Provision for loan loss reserve                         1,700,000 3,449,103 1,000,000  
Costs related to funding mortgage loans                         9,191,488 8,901,511 6,451,319  
Total benefits and expenses                         284,631,670 259,341,360 211,320,198  
Earnings before income taxes                         19,703,231 21,013,472 13,726,951  
Income tax expense $ 622,061 $ 2,390,525 $ 2,968,879 $ 1,533,139 $ 954,297 $ 2,554,134 $ 2,454,812 $ 1,698,788 $ 3,025,284 $ 919,546 $ 1,685,203 $ (119,914) (7,514,604) (7,662,031) (5,510,119)  
Net earnings                         $ 12,188,627 $ 13,351,441 $ 8,216,832  
Net earnings per Class A Equivalent common share (1) $ 0.03 $ 0.28 $ 0.34 $ 0.17 $ 0.16 $ 0.30 $ 0.27 $ 0.19 $ 0.28 $ 0.12 $ 0.20 $ (0.01) $ 0.82 $ 0.92 $ 0.59  
Net earnings per Class A equivalent common share - assuming dilution(1) $ 0.03 $ 0.27 $ 0.33 $ 0.17 $ 0.15 $ 0.29 $ 0.26 $ 0.18 $ 0.27 $ 0.11 $ 0.20 $ (0.01) $ 0.81 $ 0.89 $ 0.57  
Net unrealized gains on derivative instruments                         $ 6,490 $ 10,628 $ 16,433  
Other comprehensive income                         764,180 (760,715) (49,415)  
Provision for deferred and other income taxes                         6,130,644 4,826,010 3,856,456  
Loans originated for sale                         (3,098,710,299) (2,861,404,239) (2,044,909,613)  
Proceeds from loans sold                         3,246,127,714 2,933,300,742 2,102,740,825  
Net gains on loans sold                         (137,682,984) (131,130,447) (93,144,155)  
Future life and other benefits                         17,989,595 15,078,397 13,930,657  
Other operating assets and liabilities                         (5,125,376) 4,456,090 (1,589,164)  
Net cash provided by (used in) operating activities                         35,535,014 (28,113,387) (12,463,558)  
Net change in warehouse line borrowings                         8,325,432 12,282,139 43,479,367  
Net cash provided by financing activities                         $ 18,990,088 $ 21,938,700 $ 49,843,370  
XML 188 R173.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 22: Impact of Restatement Adjustments on Quarterly Financial Statements (unaudited): Schedule of Quarterly Financial Information (Details) - USD ($)
3 Months Ended 12 Months Ended
Dec. 30, 2016
Sep. 30, 2016
Jun. 30, 2016
Mar. 31, 2016
Dec. 31, 2015
Sep. 30, 2015
Jun. 30, 2015
Mar. 31, 2015
Dec. 31, 2014
Sep. 30, 2014
Jun. 30, 2014
Mar. 31, 2014
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Total revenues                         $ 304,334,901 $ 280,354,832 $ 225,047,149
Benefits and Expenses                         284,631,670 259,341,360 211,320,198
Income tax expense                         $ (7,514,604) $ (7,662,031) $ (5,510,119)
Net earnings per Class A Equivalent common share (1)                         $ 0.82 $ 0.92 $ 0.59
Net earnings per Class A equivalent common share - assuming dilution(1)                         $ 0.81 $ 0.89 $ 0.57
Scenario, Previously Reported                              
Total revenues $ 74,147,490 $ 84,393,427 $ 81,312,192 $ 67,355,307 $ 66,671,215 $ 74,062,877 $ 77,292,625 $ 66,537,523 $ 60,662,683 $ 61,012,516 $ 60,200,879 $ 45,502,539 $ 307,208,416 $ 284,564,240 $ 227,378,617
Benefits and Expenses 72,117,972 77,427,792 73,758,739 63,163,550 64,779,238 67,700,286 69,808,663 61,051,248 55,995,147 58,348,652 55,224,633 44,887,289      
Earnings (loss) before income taxes 2,029,518 6,965,635 7,553,453 4,191,757 1,891,977 6,362,591 7,483,962 5,486,275 4,667,536 2,663,864 4,976,246 615,250      
Income tax expense (233,548) (2,190,206) (2,456,885) (1,580,220) (426,823) (2,346,210) (2,867,957) (2,104,958) (1,864,368) (961,140) (1,870,803) (202,352) $ 6,460,859 $ 7,745,948 $ 4,898,663
Net Earnings $ 1,795,970 $ 4,775,429 $ 5,096,568 $ 2,611,537 $ 1,465,154 $ 4,016,381 $ 4,616,005 $ 3,381,317 $ 2,803,168 $ 1,702,724 $ 3,105,443 $ 412,898      
Net earnings per Class A Equivalent common share (1) $ 0.12 $ 0.32 $ 0.35 $ 0.18 $ 0.10 $ 0.28 $ 0.32 $ 0.24 $ 0.20 $ 0.12 $ 0.22 $ 0.03 $ 0.96 $ 0.93 $ 0.58
Net earnings per Class A equivalent common share - assuming dilution(1) $ 0.12 $ 0.31 $ 0.34 $ 0.17 $ 0.10 $ 0.26 $ 0.31 $ 0.23 $ 0.19 $ 0.12 $ 0.22 $ 0.03 $ 0.94 $ 0.90 $ 0.56
Restatement Adjustment                              
Total revenues $ 71,842,669 $ 82,948,657 $ 80,087,227 $ 69,456,348 $ 64,357,046 $ 74,985,622 $ 75,187,618 $ 65,824,546 $ 60,279,687 $ 60,515,415 $ 58,408,816 $ 45,843,231 $ 304,334,901 $ 280,354,832 $ 225,047,149
Benefits and Expenses 70,769,933 76,375,127 72,101,342 65,385,268 61,107,208 68,073,150 68,772,252 61,388,750 53,378,211 57,958,096 53,921,094 46,062,797      
Earnings (loss) before income taxes 1,072,736 6,573,530 7,985,885 4,071,080 3,249,838 6,912,472 6,415,366 4,435,796 6,901,476 2,557,319 4,487,722 (219,566)      
Income tax expense (622,061) (2,390,525) (2,968,879) (1,533,139) (954,297) (2,554,134) (2,454,812) (1,698,788) (3,025,284) (919,546) (1,685,203) 119,914 $ 7,514,604 $ 7,662,031 $ 5,510,119
Net Earnings $ 450,675 $ 4,183,005 $ 5,017,006 $ 2,537,941 $ 2,295,541 $ 4,358,338 $ 3,960,554 $ 2,737,008 $ 3,876,192 $ 1,637,773 $ 2,802,519 $ (99,652)      
Net earnings per Class A Equivalent common share (1) $ 0.03 $ 0.28 $ 0.34 $ 0.17 $ 0.16 $ 0.30 $ 0.27 $ 0.19 $ 0.28 $ 0.12 $ 0.20 $ (0.01) $ 0.82 $ 0.92 $ 0.59
Net earnings per Class A equivalent common share - assuming dilution(1) $ 0.03 $ 0.27 $ 0.33 $ 0.17 $ 0.15 $ 0.29 $ 0.26 $ 0.18 $ 0.27 $ 0.11 $ 0.20 $ (0.01) $ 0.81 $ 0.89 $ 0.57
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Disclosure - Note 2: Investments: Schedule of aging of mortgage loans (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfAgingOfMortgageLoansTables Note 2: Investments: Schedule of aging of mortgage loans (Tables) Tables 68 false false R69.htm 000690 - Disclosure - Note 2: Investments: Schedule of Impaired Mortgage Loans (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfImpairedMortgageLoansTables Note 2: Investments: Schedule of Impaired Mortgage Loans (Tables) Tables 69 false false R70.htm 000700 - Disclosure - Note 2: Investments: The Company's Performing and Non-performing Mortgage Loans Were As Follows (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsTheCompanySPerformingAndNonPerformingMortgageLoansWereAsFollowsTables Note 2: Investments: The Company's Performing and Non-performing Mortgage Loans Were As Follows (Tables) Tables 70 false false R71.htm 000710 - Disclosure - Note 2: Investments: Schedule of Mortgate loans on a nonaccrual status (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfMortgateLoansOnANonaccrualStatusTables Note 2: Investments: Schedule of Mortgate loans on a nonaccrual status (Tables) Tables 71 false false R72.htm 000720 - Disclosure - Note 2: Investments: Schedule of Principal amounts due on mortgage loans on real estate and construction loans held for investment by category (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfPrincipalAmountsDueOnMortgageLoansOnRealEstateAndConstructionLoansHeldForInvestmentByCategoryTables Note 2: Investments: Schedule of Principal amounts due on mortgage loans on real estate and construction loans held for investment by category (Tables) Tables 72 false false R73.htm 000730 - Disclosure - Note 2: Investments: Schedule of loan loss reserve which is included in other liabilities and accrued expenses (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfLoanLossReserveWhichIsIncludedInOtherLiabilitiesAndAccruedExpensesTables Note 2: Investments: Schedule of loan loss reserve which is included in other liabilities and accrued expenses (Tables) Tables 73 false false R74.htm 000740 - Disclosure - Note 3: Receivables: Schedule of Receivables (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote3ReceivablesScheduleOfReceivablesTables Note 3: Receivables: Schedule of Receivables (Tables) Tables 74 false false R75.htm 000750 - Disclosure - Note 4: Value of Business Acquired: Schedule of Value of Business Acquired (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote4ValueOfBusinessAcquiredScheduleOfValueOfBusinessAcquiredTables Note 4: Value of Business Acquired: Schedule of Value of Business Acquired (Tables) Tables 75 false false R76.htm 000760 - Disclosure - Note 4: Value of Business Acquired: Goodwill and Intangible Assets Disclosure (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote4ValueOfBusinessAcquiredGoodwillAndIntangibleAssetsDisclosureTables Note 4: Value of Business Acquired: Goodwill and Intangible Assets Disclosure (Tables) Tables 76 false false R77.htm 000770 - Disclosure - Note 5: Property and Equipment: Property, Plant and Equipment (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote5PropertyAndEquipmentPropertyPlantAndEquipmentTables Note 5: Property and Equipment: Property, Plant and Equipment (Tables) Tables 77 false false R78.htm 000780 - Disclosure - Note 6: Bank and Other Loans Payable: Summary of Bank Loans Payable (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote6BankAndOtherLoansPayableSummaryOfBankLoansPayableTables Note 6: Bank and Other Loans Payable: Summary of Bank Loans Payable (Tables) Tables 78 false false R79.htm 000790 - Disclosure - Note 6: Bank and Other Loans Payable: Schedule of combined maturities of bank loans payable, lines of credit and notes and contracts payable (Tables) Notes http://securitynational.com/20161231/role/idr_DisclosureNote6BankAndOtherLoansPayableScheduleOfCombinedMaturitiesOfBankLoansPayableLinesOfCreditAndNotesAndContractsPayableTables Note 6: Bank and Other Loans Payable: Schedule of combined maturities of bank loans payable, lines of credit and notes and contracts payable (Tables) Tables 79 false false R80.htm 000800 - Disclosure - Note 7: Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds: Schedule of the components of the cemetery perpetual care obligation (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote7CemeteryAndMortuaryEndowmentCareAndPreNeedMerchandiseFundsScheduleOfTheComponentsOfTheCemeteryPerpetualCareObligationTables Note 7: Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds: Schedule of the components of the cemetery perpetual care obligation (Tables) Tables 80 false false R81.htm 000810 - Disclosure - Note 7: Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds: Schedule of Restricted Assets in Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote7CemeteryAndMortuaryEndowmentCareAndPreNeedMerchandiseFundsScheduleOfRestrictedAssetsInCemeteryAndMortuaryEndowmentCareAndPreNeedMerchandiseFundsTables Note 7: Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds: Schedule of Restricted Assets in Cemetery and Mortuary Endowment Care and Pre need Merchandise Funds (Tables) Tables 81 false false R82.htm 000820 - Disclosure - Note 8: Income Taxes: Summary of Income Tax Liability (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote8IncomeTaxesSummaryOfIncomeTaxLiabilityTables Note 8: Income Taxes: Summary of Income Tax Liability (Tables) Tables 82 false false R83.htm 000830 - Disclosure - Note 8: Income Taxes: Schedule of components of Deferred Tax Liabilities (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote8IncomeTaxesScheduleOfComponentsOfDeferredTaxLiabilitiesTables Note 8: Income Taxes: Schedule of components of Deferred Tax Liabilities (Tables) Tables 83 false false R84.htm 000840 - Disclosure - Note 8: Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote8IncomeTaxesScheduleOfComponentsOfIncomeTaxExpenseBenefitTables Note 8: Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Tables) Tables 84 false false R85.htm 000850 - Disclosure - Note 8: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote8IncomeTaxesScheduleOfEffectiveIncomeTaxRateReconciliationTables Note 8: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables) Tables 85 false false R86.htm 000860 - Disclosure - Note 9: Reinsurance, Commitments and Contingencies: Schedule of Future Minimum Rental Payments for Operating Leases (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote9ReinsuranceCommitmentsAndContingenciesScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTables Note 9: Reinsurance, Commitments and Contingencies: Schedule of Future Minimum Rental Payments for Operating Leases (Tables) Tables 86 false false R87.htm 000870 - Disclosure - Note 11: Capital Stock: Schedule of Activity in shares of capital stock (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote11CapitalStockScheduleOfActivityInSharesOfCapitalStockTables Note 11: Capital Stock: Schedule of Activity in shares of capital stock (Tables) Tables 87 false false R88.htm 000880 - Disclosure - Note 11: Capital Stock: Schedule of Basic and diluted earnings per share (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote11CapitalStockScheduleOfBasicAndDilutedEarningsPerShareTables Note 11: Capital Stock: Schedule of Basic and diluted earnings per share (Tables) Tables 88 false false R89.htm 000890 - Disclosure - Note 12: Stock Compensation Plans: Schedule of Activity of the 2003 Plan (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote12StockCompensationPlansScheduleOfActivityOfThe2003PlanTables Note 12: Stock Compensation Plans: Schedule of Activity of the 2003 Plan (Tables) Tables 89 false false R90.htm 000900 - Disclosure - Note 13: Statutory Financial Information and Dividend Limitations: Schedule of statutory accounting practices (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote13StatutoryFinancialInformationAndDividendLimitationsScheduleOfStatutoryAccountingPracticesTables Note 13: Statutory Financial Information and Dividend Limitations: Schedule of statutory accounting practices (Tables) Tables 90 false false R91.htm 000910 - Disclosure - Note 14: Business Segment Information: Schedule of Segment Reporting Information, by Segment (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote14BusinessSegmentInformationScheduleOfSegmentReportingInformationBySegmentTables Note 14: Business Segment Information: Schedule of Segment Reporting Information, by Segment (Tables) Tables 91 false false R92.htm 000920 - Disclosure - Note 16: Fair Value of Financial Instruments: Schedule of fair value assets and liabilities measured on a recurring basis (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote16FairValueOfFinancialInstrumentsScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnARecurringBasisTables Note 16: Fair Value of Financial Instruments: Schedule of fair value assets and liabilities measured on a recurring basis (Tables) Tables 92 false false R93.htm 000930 - Disclosure - Note 16: Fair Value of Financial Instruments: Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote16FairValueOfFinancialInstrumentsScheduleOfChangesInTheConsolidatedBalanceSheetLineItemsMeasuredUsingLevel3InputsTables Note 16: Fair Value of Financial Instruments: Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs (Tables) Tables 93 false false R94.htm 000940 - Disclosure - Note 16: Fair Value of Financial Instruments: Fair Value Assets Measured on a Nonrecurring Basis (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote16FairValueOfFinancialInstrumentsFairValueAssetsMeasuredOnANonrecurringBasisTables Note 16: Fair Value of Financial Instruments: Fair Value Assets Measured on a Nonrecurring Basis (Tables) Tables 94 false false R95.htm 000950 - Disclosure - Note 16: Fair Value of Financial Instruments: Schedule of Financial Instruments Carried at Other Than Fair Value (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote16FairValueOfFinancialInstrumentsScheduleOfFinancialInstrumentsCarriedAtOtherThanFairValueTables Note 16: Fair Value of Financial Instruments: Schedule of Financial Instruments Carried at Other Than Fair Value (Tables) Tables 95 false false R96.htm 000960 - Disclosure - Note 17: Accumulated Other Comprehensive Income: Schedule of Changes in accumulated other comprehensive income (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote17AccumulatedOtherComprehensiveIncomeScheduleOfChangesInAccumulatedOtherComprehensiveIncomeTables Note 17: Accumulated Other Comprehensive Income: Schedule of Changes in accumulated other comprehensive income (Tables) Tables 96 false false R97.htm 000970 - Disclosure - Note 17: Accumulated Other Comprehensive Income: Accumulated Balances of Other Comprehensive Income (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote17AccumulatedOtherComprehensiveIncomeAccumulatedBalancesOfOtherComprehensiveIncomeTables Note 17: Accumulated Other Comprehensive Income: Accumulated Balances of Other Comprehensive Income (Tables) Tables 97 false false R98.htm 000980 - Disclosure - Note 18: Derivative Instruments: Schedule of Derivative Assets at Fair Value (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote18DerivativeInstrumentsScheduleOfDerivativeAssetsAtFairValueTables Note 18: Derivative Instruments: Schedule of Derivative Assets at Fair Value (Tables) Tables 98 false false R99.htm 000990 - Disclosure - Note 18: Derivative Instruments: Schedule of Gains and Losses on Derivatives (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote18DerivativeInstrumentsScheduleOfGainsAndLossesOnDerivativesTables Note 18: Derivative Instruments: Schedule of Gains and Losses on Derivatives (Tables) Tables 99 false false R100.htm 001000 - Disclosure - Note 19: Acquisitions: The Estimated Fair Values of The Assets Acquired and The Liabilities Assumed At The Date of Acquisition (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote19AcquisitionsTheEstimatedFairValuesOfTheAssetsAcquiredAndTheLiabilitiesAssumedAtTheDateOfAcquisitionTables Note 19: Acquisitions: The Estimated Fair Values of The Assets Acquired and The Liabilities Assumed At The Date of Acquisition (Tables) Tables 100 false false R101.htm 001010 - Disclosure - Note 19: Acquisitions: Business Acquisition, Pro Forma Information (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote19AcquisitionsBusinessAcquisitionProFormaInformationTables Note 19: Acquisitions: Business Acquisition, Pro Forma Information (Tables) Tables 101 false false R102.htm 001020 - Disclosure - Note 20: Mortgage Servicing Rights: Schedule of mortgage servicing rights (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote20MortgageServicingRightsScheduleOfMortgageServicingRightsTables Note 20: Mortgage Servicing Rights: Schedule of mortgage servicing rights (Tables) Tables 102 false false R103.htm 001030 - Disclosure - Note 20: Mortgage Servicing Rights: Schedule of Mortgage Servicing Rights Amortization (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote20MortgageServicingRightsScheduleOfMortgageServicingRightsAmortizationTables Note 20: Mortgage Servicing Rights: Schedule of Mortgage Servicing Rights Amortization (Tables) Tables 103 false false R104.htm 001040 - Disclosure - Note 20: Mortgage Servicing Rights: Schedule of Other Revenues (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote20MortgageServicingRightsScheduleOfOtherRevenuesTables Note 20: Mortgage Servicing Rights: Schedule of Other Revenues (Tables) Tables 104 false false R105.htm 001050 - Disclosure - Note 20: Mortgage Servicing Rights: Summary of Unpaid Principal Balances of the Servicing Portfolio (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote20MortgageServicingRightsSummaryOfUnpaidPrincipalBalancesOfTheServicingPortfolioTables Note 20: Mortgage Servicing Rights: Summary of Unpaid Principal Balances of the Servicing Portfolio (Tables) Tables 105 false false R106.htm 001060 - Disclosure - Note 20: Mortgage Servicing Rights: Assumptions used in determining MSR value (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote20MortgageServicingRightsAssumptionsUsedInDeterminingMSRValueTables Note 20: Mortgage Servicing Rights: Assumptions used in determining MSR value (Tables) Tables 106 false false R107.htm 001080 - Disclosure - Note 22: Impact of Restatement Adjustments on Quarterly Financial Statements (unaudited): Schedule of Quarterly Financial Information (Tables) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote22ImpactOfRestatementAdjustmentsOnQuarterlyFinancialStatementsUnauditedScheduleOfQuarterlyFinancialInformationTables Note 22: Impact of Restatement Adjustments on Quarterly Financial Statements (unaudited): Schedule of Quarterly Financial Information (Tables) Tables http://securitynational.com/20161231/role/idr_DisclosureNote22ImpactOfRestatementAdjustmentsOnQuarterlyFinancialStatementsUnaudited 107 false false R108.htm 001090 - Disclosure - Note 2: Investments: Held-to-maturity Securities (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsHeldToMaturitySecuritiesDetails Note 2: Investments: Held-to-maturity Securities (Details) Details http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsHeldToMaturitySecuritiesTables 108 false false R109.htm 001100 - Disclosure - Note 2: Investments: Schedule of Unrealized Loss on Investments (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfUnrealizedLossOnInvestmentsDetails Note 2: Investments: Schedule of Unrealized Loss on Investments (Details) Details http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfUnrealizedLossOnInvestmentsTables 109 false false R110.htm 001110 - Disclosure - Note 2: Investments: Fixed Maturity Securities - Additional (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsFixedMaturitySecuritiesAdditionalDetails Note 2: Investments: Fixed Maturity Securities - 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Disclosure - Note 2: Investments: Fixed Maturity Securities - Carrying Amount and Net Realized Gain (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsFixedMaturitySecuritiesCarryingAmountAndNetRealizedGainDetails Note 2: Investments: Fixed Maturity Securities - Carrying Amount and Net Realized Gain (Details) Details 114 false false R115.htm 001160 - Disclosure - Note 2: Investments: Schedule of Major categories of net investment income (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfMajorCategoriesOfNetInvestmentIncomeDetails Note 2: Investments: Schedule of Major categories of net investment income (Details) Details http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfMajorCategoriesOfNetInvestmentIncomeTables 115 false false R116.htm 001170 - Disclosure - Note 2: Investments: Net Investment Income - Additional (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsNetInvestmentIncomeAdditionalDetails Note 2: Investments: Net Investment Income - 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Additional (Details) Details 119 false false R120.htm 001210 - Disclosure - Note 2: Investments: The Following Is A Summary of The Allowance For Loan Losses As A Contra-asset Account For The Periods Presented (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsTheFollowingIsASummaryOfTheAllowanceForLoanLossesAsAContraAssetAccountForThePeriodsPresentedDetails Note 2: Investments: The Following Is A Summary of The Allowance For Loan Losses As A Contra-asset Account For The Periods Presented (Details) Details http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsTheFollowingIsASummaryOfTheAllowanceForLoanLossesAsAContraAssetAccountForThePeriodsPresentedTables 120 false false R121.htm 001220 - Disclosure - Note 2: Investments: Schedule of aging of mortgage loans (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfAgingOfMortgageLoansDetails Note 2: Investments: Schedule of aging of mortgage loans (Details) Details http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfAgingOfMortgageLoansTables 121 false false R122.htm 001230 - Disclosure - Note 2: Investments: Schedule of Impaired Mortgage Loans (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfImpairedMortgageLoansDetails Note 2: Investments: Schedule of Impaired Mortgage Loans (Details) Details http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfImpairedMortgageLoansTables 122 false false R123.htm 001240 - Disclosure - Note 2: Investments: The Company's Performing and Non-performing Mortgage Loans Were As Follows (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsTheCompanySPerformingAndNonPerformingMortgageLoansWereAsFollowsDetails Note 2: Investments: The Company's Performing and Non-performing Mortgage Loans Were As Follows (Details) Details http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsTheCompanySPerformingAndNonPerformingMortgageLoansWereAsFollowsTables 123 false false R124.htm 001250 - Disclosure - Note 2: Investments: Summary of Interest not accrued on non-performing mortgage loans (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsSummaryOfInterestNotAccruedOnNonPerformingMortgageLoansDetails Note 2: Investments: Summary of Interest not accrued on non-performing mortgage loans (Details) Details 124 false false R125.htm 001260 - Disclosure - Note 2: Investments: Schedule of Mortgate loans on a nonaccrual status (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfMortgateLoansOnANonaccrualStatusDetails Note 2: Investments: Schedule of Mortgate loans on a nonaccrual status (Details) Details http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfMortgateLoansOnANonaccrualStatusTables 125 false false R126.htm 001270 - Disclosure - Note 2: Investments: Schedule of Principal amounts due on mortgage loans on real estate and construction loans held for investment by category (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfPrincipalAmountsDueOnMortgageLoansOnRealEstateAndConstructionLoansHeldForInvestmentByCategoryDetails Note 2: Investments: Schedule of Principal amounts due on mortgage loans on real estate and construction loans held for investment by category (Details) Details http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfPrincipalAmountsDueOnMortgageLoansOnRealEstateAndConstructionLoansHeldForInvestmentByCategoryTables 126 false false R127.htm 001280 - Disclosure - Note 2: Investments: Schedule of loan loss reserve which is included in other liabilities and accrued expenses (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfLoanLossReserveWhichIsIncludedInOtherLiabilitiesAndAccruedExpensesDetails Note 2: Investments: Schedule of loan loss reserve which is included in other liabilities and accrued expenses (Details) Details http://securitynational.com/20161231/role/idr_DisclosureNote2InvestmentsScheduleOfLoanLossReserveWhichIsIncludedInOtherLiabilitiesAndAccruedExpensesTables 127 false false R128.htm 001290 - Disclosure - Note 3: Receivables: Schedule of Receivables (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote3ReceivablesScheduleOfReceivablesDetails Note 3: Receivables: Schedule of Receivables (Details) Details http://securitynational.com/20161231/role/idr_DisclosureNote3ReceivablesScheduleOfReceivablesTables 128 false false R129.htm 001300 - Disclosure - Note 4: Value of Business Acquired: Schedule of Value of Business Acquired (Details) Sheet http://securitynational.com/20161231/role/idr_DisclosureNote4ValueOfBusinessAcquiredScheduleOfValueOfBusinessAcquiredDetails Note 4: Value of Business Acquired: Schedule of Value of Business Acquired (Details) Details http://securitynational.com/20161231/role/idr_DisclosureNote4ValueOfBusinessAcquiredScheduleOfValueOfBusinessAcquiredTables 129 false false R130.htm 001310 - 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