0001206774-16-007523.txt : 20161107 0001206774-16-007523.hdr.sgml : 20161107 20161107144252 ACCESSION NUMBER: 0001206774-16-007523 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 95 CONFORMED PERIOD OF REPORT: 20160930 FILED AS OF DATE: 20161107 DATE AS OF CHANGE: 20161107 FILER: COMPANY DATA: COMPANY CONFORMED NAME: ConnectOne Bancorp, Inc. CENTRAL INDEX KEY: 0000712771 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 521273725 STATE OF INCORPORATION: NJ FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-11486 FILM NUMBER: 161977688 BUSINESS ADDRESS: STREET 1: 301 SYLVAN AVENUE CITY: ENGLEWOOD CLIFFS STATE: NJ ZIP: 07632 BUSINESS PHONE: 2018168900 MAIL ADDRESS: STREET 1: 301 SYLVAN AVENUE CITY: ENGLEWOOD CLIFFS STATE: NJ ZIP: 07632 FORMER COMPANY: FORMER CONFORMED NAME: CENTER BANCORP INC DATE OF NAME CHANGE: 19920703 10-Q 1 connectone3145151-10q.htm QUARTERLY REPORT

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

FORM 10-Q

(Mark One)

      ☒       QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the Quarterly Period Ended September 30, 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: 000-11486

CONNECTONE BANCORP, INC.
(Exact Name of Registrant as Specified in Its Charter)
New Jersey 52-1273725
(State or Other Jurisdiction of (IRS Employer
Incorporation or Organization) Identification No.)
301 Sylvan Avenue
Englewood Cliffs, New Jersey 07632
(Address of Principal Executive Offices) (Zip Code)

201-816-8900
(Registrant’s Telephone Number, Including Area Code)

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

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

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

Large accelerated filer ☐       Accelerated filer ☒       Non-accelerated filer ☐       Smaller reporting company ☐
(Do not check if 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 ☒

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.

Common Stock, no par value:
(Title of Class)		 30,265,407 shares
 (Outstanding as of November 4, 2016)


Table of Contents
            Page
PART I – FINANCIAL INFORMATION
 
Item 1. Financial Statements
Consolidated Statements of Condition at September 30, 2016 (unaudited) and December 31, 2015   3
Consolidated Statements of Income for the three and nine months ended September 30, 2016 and 2015 (unaudited) 4
Consolidated Statements of Comprehensive Income for the three and nine months ended September 30, 2016 and 2015 (unaudited) 5
Consolidated Statements of Changes in Stockholders’ Equity for the nine months ended September 30, 2016 and for the nine months ended September 30, 2015 (unaudited) 6
Consolidated Statements of Cash Flows for the nine months ended September 30, 2016 and 2015 (unaudited) 7
Notes to Consolidated Financial Statements
 		 8
Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations
 		 45
Item 3. Qualitative and Quantitative Disclosures about Market Risks
 		 59
Item 4. Controls and Procedures
 		 60
PART II – OTHER INFORMATION
 
Item 1. Legal Proceedings
 		 61
Item 1a. Risk Factors
 		 61
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
 		 62
Item 3. Defaults Upon Senior Securities
 		 62
Item 4. Mine Safety Disclosures
 		 62
Item 5. Other Information
 		 62
Item 6. Exhibits
 		 63
SIGNATURES
 

2 



Item 1. Financial Statements

CONNECTONE BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CONDITION

      September 30,       December 31,
(in thousands, except for share data) 2016 2015
(unaudited)
ASSETS
Cash and due from banks $ 49,028 $ 31,291
Interest-bearing deposits with banks 184,766 169,604
       Cash and cash equivalents 233,794 200,895
 
Investment securities:
       Available-for-sale 338,459 195,770
       Held-to-maturity (fair value of $ - and $230,558) - 224,056
 
Loans held-for-sale 15,112 -
 
Loans receivable        3,445,476        3,099,007
Less: Allowance for loan and lease losses 37,615 26,572
       Net loans receivable 3,407,861 3,072,435
 
Investment in restricted stock, at cost 24,535 32,612
Bank premises and equipment 22,112 22,333
Accrued interest receivable 12,497 12,545
Bank-owned life insurance 97,644 78,801
Other real estate owned 626 2,549
Goodwill 145,909 145,909
Core deposit intangibles 3,281 3,908
Other assets 25,974 24,096
       Total assets $ 4,327,804 $ 4,015,909
LIABILITIES
Deposits:
       Noninterest-bearing $ 655,683 $ 650,775
       Interest-bearing 2,613,266 2,140,191
              Total deposits 3,268,949 2,790,966
Borrowings 481,337 671,587
Subordinated debentures (net of $665 and $812 in debt issuance costs) 54,490 54,343
Other liabilities 23,440 21,669
       Total liabilities 3,828,216 3,538,565
 
COMMITMENTS AND CONTINGENCIES
 
STOCKHOLDERS’ EQUITY
Preferred stock, $1,000 liquidation value per share, authorized 5,000,000 shares; issued and outstanding
       11,250 shares of Series B preferred stock at December 31, 2015; total liquidation value of $11,250 at
       December 31, 2015 - 11,250
Common stock, no par value, authorized 50,000,000 shares; issued 32,261,240 shares at September 30,
       2016 and 32,149,585 at December 31, 2015; outstanding 30,197,318 shares at September 30, 2016 and
       30,085,663 at December 31, 2015 374,287 374,287
Additional paid-in capital 10,409 8,527
Retained earnings 130,885 104,606
Treasury stock, at cost (2,063,922 common shares at September 30, 2016 and December 31, 2015) (16,717 ) (16,717 )
Accumulated other comprehensive income/(loss) 724 (4,609 )
       Total stockholders’ equity 499,588 477,344
       Total liabilities and stockholders’ equity $ 4,327,804 $ 4,015,909

See accompanying notes to unaudited consolidated financial statements.
 
3


CONNECTONE BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
(unaudited)

    Three Months Ended     Nine Months Ended
September 30,   September 30,  
(in thousands, except for share and per share data) 2016     2015 2016     2015
Interest income
Interest and fees on loans $ 37,803 $ 32,276 $ 109,381 $ 91,807
Interest and dividends on investment securities:      
              Taxable 1,774 2,669 5,879 8,340
              Tax-exempt 988 901 2,867 2,666
              Dividends 352 297 1,074 797
Interest on federal funds sold and other short-term investments 261 43 541 127
       Total interest income 41,178 36,186 119,742 103,737
Interest expense
Deposits 5,159 3,655 13,532 9,980
Borrowings 2,995 2,804 9,472 7,060
       Total interest expense 8,154 6,459 23,004 17,040
Net interest income 33,024 29,727 96,738 86,697
Provision for loan and lease losses 6,750 4,175 13,500 7,550
Net interest income after provision for loan and lease losses 26,274 25,552 83,238 79,147
Noninterest income
Annuities and insurance commissions 68 77 140 210
Bank-owned life insurance 615 388 1,843 1,162
Net gains on sale of loans held-for-sale 56 63 147 276
Deposit, loan and other income 706 1,224 1,984 2,145
Insurance recovery - - - 2,224
Net gains on sales of investment securities 4,131 2,067 4,234 2,793
       Total noninterest income 5,576 3,819 8,348 8,810
Noninterest expenses
Salaries and employee benefits 7,791 6,905 23,143 20,480
Occupancy and equipment 2,049 1,916 6,450 5,785
FDIC insurance 745 535 1,955 1,535
Professional and consulting 667 836 2,078 2,045
Marketing and advertising 293 247 817 634
Data processing 1,002 957 3,036 2,686
Loss on extinguishment of debt - - - 2,397
Amortization of core deposit intangible 193 217 627 700
Other expenses 1,811 1,688 5,150 4,643
       Total noninterest expenses 14,551 13,301 43,256 40,905
Income before income tax expense 17,299 16,070 48,330 47,052
Income tax expense 5,443 5,228 15,224 15,309
Net income 11,856 10,842 33,106 31,743
Less: Preferred stock dividends - 28 22 84
Net income available to common stockholders $ 11,856 $ 10,814 $ 33,084 $ 31,659
Earnings per common share:
       Basic $ 0.39 $ 0.36 $ 1.10 $ 1.06
       Diluted 0.39 0.36 1.09 1.04
Weighted average common shares outstanding:
       Basic 30,125,287 30,045,818 30,100,057 29,786,374
       Diluted     30,401,684     30,335,571     30,376,085     30,323,376
Dividend per common share $ 0.075 $ 0.075 $ 0.225 $ 0.225

See accompanying notes to unaudited consolidated financial statements.
 
4


CONNECTONE BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(unaudited)

             Three Months Ended       Nine Months Ended
September 30, September 30,
(in thousands) 2016       2015 2016       2015
Net income $ 11,856 $ 10,842 $ 33,106 $ 31,743
Other comprehensive income:  
Unrealized gains and losses:      
       Unrealized holding (losses) gains on available-for-sale securities
              arising during the period (523 ) 108 1,551 (1,196 )
       Tax effect 187 (39 ) (634 ) 485
              Net of tax (336 ) 69 917 (711 )
       Unrealized gains on securities transferred from held-to-maturity
              to available-for-sale the period        10,069 -        10,069 -
       Tax effect (3,815 ) - (3,815 ) -
              Net of tax     6,254       -       6,254       -  
       Reclassification adjustment for realized gains included in net
              income (4,131 ) (2,067 ) (4,234 )        (2,793 )
       Tax effect     1,640       794       1,682       1,091  
              Net of tax (2,491 )        (1,273 ) (2,552 ) (1,702 )
       Amortization of unrealized net losses on held-to-maturity                                
              securities transferred from available-for-sale securities     1,890       37       1,986       165  
       Tax effect (774 ) (15 ) (813 ) (67 )
              Net of tax     1,116       22       1,173       98  
 
       Unrealized gains (losses) on cash flow hedges 644 (855 ) (1,081 ) (1,153 )
       Tax effect     (263 )     349       441       471  
              Net of tax 381 (506 ) (640 ) (682 )
       Unrealized pension plan gains and losses:                                
              Unrealized pension plan gains (losses) before reclassifications - 75 (1 ) 862
              Tax effect - (31 ) - (353 )
                     Net of tax - 44 (1 ) 509
              Reclassification adjustment for realized losses included in net
                     income 204 108 306 324
              Tax effect (83 ) (44 ) (124 ) (132 )
                     Net of tax 121 64 182 192
Total other comprehensive income (loss) 5,045 (1,580 ) 5,333 (2,296 )
Total comprehensive income $ 16,901 $ 9,262 $ 38,439 $ 29,447

See accompanying notes to unaudited consolidated financial statements.
 
5


CONNECTONE BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY
(unaudited)

    Accumulated
Additional Other Total
(dollars in thousands, except for Preferred     Common Paid-In Retained Treasury Comprehensive     Stockholders’
per share data) Stock Stock     Capital     Earnings     Stock     Income (Loss)     Equity
Balance as of December 31, 2014 $      11,250 $      374,287 $ 6,015 $      72,398 $      (16,717 ) $                    (1,014 ) $              446,219
Net income - - - 31,743 - - 31,743
Other comprehensive loss, net of
tax - - - - - (2,296 ) (2,296 )
Dividend on series B preferred
       stock - - - (84 ) - - (84 )
Cash dividends declared on
       common stock ($0.15 per share) - - - (6,736 ) - - (6,736 )
Exercise of stock options (339,334
       shares) - - 1,424 - - - 1,424
Restricted stock and performance
       units grants (162,491 shares) - - - - - - -
Stock-based compensation  
       expense - - 876 - - - 876
 
Balance as of September 30,
       2015 $ 11,250 $ 374,287 $ 8,315 $ 97,321 $ (16,717 ) $ (3,310 ) $ 471,146
 
Balance as of December 31, 2015 $ 11,250 $ 374,287 $ 8,527 $ 104,606 $ (16,717 ) $ (4,609 ) $ 477,344
Net income - - - 33,106 - - 33,106
Other comprehensive income, net          
       of tax - - - - - 5,333 5,333
Dividend on series B preferred
       stock - - - (22 ) - - (22 )
Cash dividends declared on
       common stock ($0.15 per share) - - - (6,805 ) - - (6,805 )
 
Redemption of preferred stock (11,250 ) - - - - - (11,250 )
Exercise of stock options (36,135
       shares) - - 232 - - - 232
Restricted stock and performance
       units grants (75,520 shares) - - - - - - -
Stock-based compensation
       expense - - 1,650 - - - 1,650
 
Balance as of September 30,
       2016 $ - $ 374,287 $ 10,409 $ 130,885 $ (16,717 ) $ 724 $ 499,588

See accompanying notes to unaudited consolidated financial statements.
 
6


CONNECTONE BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS
(unaudited)

    Nine Months Ended
September 30,
       (in thousands) 2016     2015
Cash flows from operating activities
Net income $ 33,106 $ 31,743
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization of premises and equipment 2,084 1,720
Provision for loan and lease losses 13,500 7,550
Amortization of intangibles 627 700
Net accretion of loans (3,381 ) (3,830 )
Accretion on bank premises (94 ) (77 )
Accretion on deposits (167 ) (394 )
Accretion on borrowings (250 ) (354 )
Stock-based compensation 1,650 876
Gains on sales of investment securities, net (4,234 ) (2,793 )
Gains on sale of loans held-for-sale, net (147 ) (276 )
Loans originated for resale (6,399 ) (18,004 )
Proceeds from sale of loans held-for-sale 4,948 17,290
Net (gain) loss on sale of other real estate owned (182 ) 112
Increase in cash surrender value of bank-owned life insurance (1,843 ) (1,163 )
Amortization of premiums and accretion of discounts on investments securities, net 1,148 1,442
Decrease in accrued interest receivable 48 38
Increase in other assets (2,813 ) (3,324 )
(Decrease) increase in other liabilities (981 ) 294
       Net cash provided by operating activities 36,620 31,550
Cash flows from investing activities  
Investment securities available-for-sale:
             Purchases       (114,844 ) (34,796 )
             Sales 85,253 44,397
             Maturities, calls and principal repayments 109,452 53,542
Investment securities held-to-maturity:
             Purchases (1,000 ) (17,531 )
             Maturities and principal repayments 14,758 14,702
Net redemptions (purchases) of restricted investment in bank stocks 8,077 (6,827 )
Net increase in loans (359,945 )       (413,461 )
Purchases of premises and equipment (1,769 ) (2,513 )
Purchases of bank owned life insurance (17,000 ) -
Proceeds from sale of other real estate owned 2,992 126
       Net cash used in investing activities (274,026 ) (362,361 )
Cash flows from financing activities
Net increase in deposits 478,150 191,411
Increase in subordinated debt - 50,000
Advances of FHLB borrowings 375,000 625,000
Repayments of FHLB borrowings (565,000 ) (482,525 )
Repayment of repurchase agreement - (16,000 )
Cash dividends paid on common stock (6,805 ) (6,741 )
Cash dividends paid on preferred stock (22 ) (84 )
Redemption of preferred stock (11,250 ) -
Proceeds from exercise of stock options 232 1,424
       Net cash provided by financing activities 270,305 362,485
Net change in cash and cash equivalents 32,899 31,674
Cash and cash equivalents at beginning of period 200,895 126,847
Cash and cash equivalents at end of period $ 233,794 $ 158,521
Supplemental disclosures of cash flow information
Cash payments for:
       Interest paid on deposits and borrowings $ 22,791 $ 15,940
       Income taxes 18,195 17,045
Supplemental disclosures of noncash investing activities
       Transfer of loans to other real estate owned $ 887 $ 2,374
       Transfer of loans to loans held-for-sale 13,514 -
       Transfer of investment securities from held-to-maturity to available-for sale 209,855 -

See accompanying notes to unaudited consolidated financial statements.
 
7


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 1. Nature of Operations and Principles of Consolidation

The consolidated financial statements of ConnectOne Bancorp, Inc. (the “Parent Corporation”) are prepared on an accrual basis and include the accounts of the Parent Corporation and its wholly-owned subsidiary, ConnectOne Bank (the “Bank” and, collectively with the Parent Corporation and the Parent Corporation’s other direct and indirect subsidiaries, the “Company”). All significant intercompany accounts and transactions have been eliminated from the accompanying consolidated financial statements.

The Bank is a community-based, full-service New Jersey-chartered commercial bank that was founded in 2005. The Bank operates from its headquarters located at 301 Sylvan Avenue in the Borough of Englewood Cliffs, Bergen County, New Jersey and through its twenty other banking offices. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate or are expected to be paid from cash flow of business operations. Commercial loans are expected to be repaid from cash flow from business operations. There are no significant concentrations of loans to any one industry or client. However, the clients’ ability to repay their loans is dependent on the cash flows, real estate and general economic conditions in the area.

The preceding unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X, and, accordingly, do not include all of the information and footnotes required by GAAP for complete financial statements. However, in the opinion of management, all adjustments (consisting only of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the three months ended September 30, 2016 are not necessarily indicative of the results that may be expected for the full year ending December 31, 2016, or for any other interim period. The Company’s 2015 Annual Report on Form 10-K should be read in conjunction with these consolidated financial statements.

In preparing the consolidated financial statements, management has made estimates and assumptions that affect the reported amounts of assets and liabilities as of the dates of the consolidated statements of condition and that affect the results of operations for the periods presented. Actual results could differ significantly from those estimates.

The consolidated financial statements have been prepared in conformity with GAAP. Some items in the prior year consolidated financial statements were reclassified to conform to current presentation. Reclassifications had no effect on prior year net income or stockholders’ equity.

Note 2. New Authoritative Accounting Guidance

ASU No. 2014-09, “Revenue from Contracts with Customers (Topic 606).” ASU 2014-09 implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASU 2014-09 is that an entity should recognize revenue to depict 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. To achieve that core principle, an entity should apply the following steps: (i) identify the contract(s) with a customer; (ii) identify the performance obligations in the contract; (iii) determine the transaction price; (iv) allocate the transaction price to the performance obligations in the contract; and (v) recognize revenue when (or as) the entity satisfies a performance obligation. ASU 2014-09 was originally going to be effective for us on January 1, 2017; however, the FASB recently issued ASU 2015-14, “Revenue from Contracts with Customers (Topic 606) - Deferral of the Effective Date” which deferred the effective date of ASU 2014-09 by one year to January 1, 2018. The Company is currently evaluating the potential impact of ASU 2014-09 on its consolidated financial statements.

ASU No. 2014-12, “Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period ("ASU 2014-12"). ASU 2014-12 requires that a performance target that affects vesting, and that could be achieved after the requisite service period, be treated as a performance condition. As such, the performance target should not be reflected in estimating the grant date fair value of the award. This update further clarifies that compensation cost should be recognized in the period in which it becomes probable that the performance target will be achieved and should represent the compensation cost attributable to the period(s) for which the requisite service has already been rendered. The Company adopted ASU 2014-12 effective on January 1, 2016 and its adoption did not have a significant impact on the Company’s consolidated financial statements.

ASU No. 2015-03, "Interest-Imputation of Interest (Subtopic 835-30) Simplifying the Presentation of Debt Issuance Costs (“ASU 2015-13)" requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in the ASU No. 2015-03. The Company adopted ASU No. 2015-03 effective on January 1, 2016 and its adoption did not have a significant impact on the Company’s consolidated financial statements.

8


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 2. New Authoritative Accounting Guidance – (continued)

ASU No. 2015-12, "Plan Accounting: Defined Benefit Pension Plans (Topic 960): Defined Contribution Pension Plans, (Topic 962): Health and Welfare Benefit Plans, (Topic 965): (Part I) Fully Benefit-Responsive Investment Contracts, (Part II) Plan Investment Disclosures, (Part III) Measurement Date Practical Expedient." ASU No. 2015-12 simplifies accounting for employee benefit plans as follows: (i) fully benefit-responsive investment contracts are now to be measured, presented and disclosed at contract value, (ii) the requirement to disclose investments that represent 5 percent or more of net assets available for benefits has been eliminated, (iii) the net appreciation or depreciation in investments for the period should be presented in the aggregate, but is no longer required to be disaggregated and disclosed by general type, (iv) if an investment is measured using the net asset value per share (or its equivalent) practical expedient in Topic 820, and that investment is in a fund that files a U.S. Department of Labor Form 5500, Annual Return/Report of Employee Benefit Plan, as a direct filing entity, disclosure of that investment’s strategy is no longer required, and (v) allows employers to measure (as a practical expedient) benefit plan assets on a month-end date nearest to the employer’s fiscal year end when the fiscal period does not coincide with a month end. The Company adopted ASU No. 2015-12 effective on January 1, 2016 and its adoption did not have a significant impact on the Company’s consolidated financial statements.

ASU No. 2015-15, “Interest – Imputation of Interest (Subtopic 835-30) – Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements. Amendments to SEC Paragraphs Pursuant to Staff Announcement at June 18, 2015 EITF Meeting." ASU 2015-15 adds SEC paragraphs pursuant to an SEC Staff Announcement that given the absence of authoritative guidance within ASU 2015-03 for debt issuance costs related to line-of-credit arrangements, the SEC staff would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. The adoption of ASU 2015-15 did not have a material impact on the Company’s consolidated financial statements.

ASU No. 2015-16, “Business Combinations (Topic 805) - Simplifying the Accounting for Measurement-Period Adjustments.” ASU 2015-16 requires that adjustments to provisional amounts that are identified during the measurement period of a business combination be recognized in the reporting period in which the adjustment amounts are determined. The acquirer must also disclose, by line item, the amount of the adjustment reflected in the current-period income statement that would have been recognized in previous periods if the adjustment to the provision amounts had been recognized as of the acquisition date. Under previous guidance, adjustments to provisional amounts identified during the measurement period are to be recognized retrospectively. The adoption of ASU 2015-16 will impact the accounting for future acquisitions.

ASU No. 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities.” ASU 2016-1, among other things; (i) requires equity investments, with certain exceptions, to be measured at fair value with changes in fair value recognized in net income, (ii) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (iii) eliminates the requirement for public business entities to disclose the methods and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (iv) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (v) requires an entity to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments; (vi) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset on the balance sheet or the accompanying notes to the financial statements; and (vii) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale. ASU 2016-1 will be effective for us on January 1, 2018 and we are currently evaluating the potential impact of ASU No. 2016-01 on our consolidated financial statements.

ASU No. 2016-02, “Leases (Topic 842)” requires the recognition of a right of use asset and related lease liability by lessees for leases classified as operating leases under current accounting principles GAAP. Topic 842, which replaces the current guidance under Topic 840, retains a distinction between finance leases and operating leases. The recognition, measurement, and presentation of expenses and cash flows arising from a lease by a lessee also will not significantly change from current GAAP. For leases with a term of 12 months or less, a lessee is permitted to make an accounting policy election by class of underlying asset not to recognize right of use assets and lease liabilities. Topic 842 will be effective for the Company for reporting periods beginning January 1, 2019, with an early adoption permitted. The Company must apply a modified retrospective transition approach for the applicable leases existing at, or entered into after, the beginning of the earliest comparative period presented in the consolidated financial statements. The modified retrospective approach would not require any transition accounting for leases that expired before the earliest comparative period presented. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements.

9


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 2. New Authoritative Accounting Guidance – (continued)

ASU 2016-09,“Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting.” Under ASU 2016-09 all excess tax benefits and tax deficiencies related to share-based payment awards should be recognized as income tax expense or benefit in the income statement during the period in which they occur. Previously, such amounts were recorded in the pool of excess tax benefits included in additional paid-in capital, if such pool was available. Because excess tax benefits are no longer recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share should exclude the amount of excess tax benefits that would have previously been recognized in additional paid-in capital. Additionally, excess tax benefits should be classified along with other income tax cash flows as an operating activity rather than a financing activity, as was previously the case. ASU 2016-09 also provides that an entity can make an entity-wide accounting policy election to either estimate the number of awards that are expected to vest (current GAAP) or account for forfeitures when they occur. ASU 2016-09 changes the threshold to qualify for equity classification (rather than as a liability) to permit withholding up to the maximum statutory tax rates (rather than the minimum as was previously the case) in the applicable jurisdictions. ASU 2016-09 will be effective on January 1, 2017 and is not expected to have a significant impact on our consolidated financial statements.

ASU No. 2016-10,“Revenue from Contracts with Customers (Topic 606): Identifying Performance Obligations and Licensing.” ASU 2016-10 was issued to clarify ASC Topic 606, “Revenue from Contracts with Customers” related to (i) identifying performance obligations; and (ii) the licensing implementation guidance. The effective date and transition of ASU 2016-10 is the same as the effective date and transition of ASU 2014-09, “Revenue from Contracts with Customers (Topic 606),” as discussed above. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements.

ASU No. 2016-12,“Revenue from Contracts with Customers (Topic 606): Narrow-Scope Improvements and Practical Expedients.” ASU 2016-12 was issued to clarify ASC Topic 606, “Revenue from Contracts with Customers” and to address narrow-scope improvements to the guidance on collectability, noncash consideration, and completed contracts at transition. Additionally, the amendments in this Update provide a practical expedient for contract modifications at transition and an accounting policy election related to the presentation of sales taxes and other similar taxes collected from customers. The effective date and transition of ASU 2016-12 is the same as the effective date and transition of ASU 2014-09, “Revenue from Contracts with Customers (Topic 606),” as discussed above. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements.

10


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 2. New Authoritative Accounting Guidance – (continued)

ASU No. 2016-15, “Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments” provides guidance on the following eight specific cash flow issues: (1) Debt Prepayment or Debt Extinguishment Costs: Cash payments for debt prepayment or debt extinguishment costs should be classified as cash outflows for financing activities; (2) Settlement of Zero-Coupon Debt Instruments or Other Debt Instruments with Coupon Interest Rates That Are Insignificant in Relation to the Effective Interest Rate of the Borrowing: At the settlement of zero-coupon debt instruments or other debt instruments with coupon interest rates that are insignificant in relation to the effective interest rate of the borrowing, the issuer should classify the portion of the cash payment attributable to the accreted interest related to the debt discount as cash outflows for operating activities, and the portion of the cash payment attributable to the principal as cash outflows for financing activities; (3) Contingent Consideration Payments Made after a Business Combination: Cash payments not made soon after the acquisition date of a business combination by an acquirer to settle a contingent consideration liability should be separated and classified as cash outflows for financing activities and operating activities. Cash payments up to the amount of the contingent consideration liability recognized at the acquisition date (including measurement-period adjustments) should be classified as financing activities; any excess should be classified as operating activities. Cash payments made soon after the acquisition date of a business combination by an acquirer to settle a contingent consideration liability should be classified as cash outflows for investing activities; (4) Proceeds from the Settlement of Insurance Claims: Cash proceeds received from the settlement of insurance claims should be classified on the basis of the related insurance coverage (that is, the nature of the loss). For insurance proceeds that are received in a lump-sum settlement, an entity should determine the classification on the basis of the nature of each loss included in the settlement; (5) Proceeds from the Settlement of Corporate-Owned Life Insurance Policies, including Bank-Owned Life Insurance Policies: Cash proceeds received from the settlement of corporate-owned life insurance policies should be classified as cash inflows from investing activities. The cash payments for premiums on corporate-owned policies may be classified as cash outflows for investing activities, operating activities, or a combination of investing and operating activities; (6) Distributions Received from Equity Method Investees: When a reporting entity applies the equity method, it should make an accounting policy election to classify distributions received from equity method investees using either of the following approaches: a. Cumulative earnings approach: Distributions received are considered returns on investment and classified as cash inflows from operating activities, unless the investor’s cumulative distributions received less distributions received in prior periods that were determined to be returns of investment exceed cumulative equity in earnings recognized by the investor. When such an excess occurs, the current-period distribution up to this excess should be considered a return of investment and classified as cash inflows from investing activities. b. Nature of the distribution approach: Distributions received should be classified on the basis of the nature of the activity or activities of the investee that generated the distribution as either a return on investment (classified as cash inflows from operating activities) or a return of investment (classified as cash inflows from investing activities) when such information is available to the investor. If an entity elects to apply the nature of the distribution approach and the information to apply that approach to distributions received from an individual equity method investee is not available to the investor, the entity should report a change in accounting principle on a retrospective basis by applying the cumulative earnings approach in (1) for that investee. In such situations, an entity should disclose that a change in accounting principle has occurred with respect to the affected investee(s) due to the lack of available information and should provide the disclosures required in paragraphs 250-10-50-1(b) and 250-10-50-2, as applicable. This amendment does not address equity method investments measured using the fair value option; (7) Beneficial Interests in Securitization Transactions: A transferor’s beneficial interest obtained in a securitization of financial assets should be disclosed as a non cash activity, and cash receipts from payments on a transferor’s beneficial interests in securitized trade receivables should be classified as cash inflows from investing activities; (8) Separately Identifiable Cash Flows and Application of the Predominance Principle: The classification of cash receipts and payments that have aspects of more than one class of cash flows should be determined first by applying specific guidance in generally accepted accounting principles (GAAP). In the absence of specific guidance, an entity should determine each separately identifiable source or use within the cash receipts and cash payments on the basis of the nature of the underlying cash flows. An entity should then classify each separately identifiable source or use within the cash receipts and payments on the basis of their nature in financing, investing, or operating activities. In situations in which cash receipts and payments have aspects of more than one class of cash flows and cannot be separated by source or use, the appropriate classification should depend on the activity that is likely to be the predominant source or use of cash flows for the item. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity that elects early adoption must adopt all of the amendments in the same period. The amendments in this Update should be applied using a retrospective transition method to each period presented. If it is impracticable to apply the amendments retrospectively for some of the issues, the amendments for those issues would be applied prospectively as of the earliest date practicable. The Company is currently evaluating this ASU to determine the impact on its consolidated financial position, results of operations and cash flows.

ASU No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Assets Measured at Amortized Cost.” ASU 2016-13 requires a financial asset (or a group of financial assets) measured at amortized cost basis to be presented at the net amount expected to be collected. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of the financial asset(s) to present the net carrying value at the amount expected to be collected on the financial asset. The income statement reflects the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. The measurement of expected credit losses is based on relevant information about past events, including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. An entity must use judgment in determining the relevant information and estimation methods that are appropriate in its circumstances. The allowance for credit losses for purchased financial assets with a more-than insignificant amount of credit deterioration since origination (PCD assets) that are measured at amortized cost basis is determined in a similar manner to other financial assets measured at amortized cost basis; however, the initial allowance for credit losses is added to the purchase price rather than being reported as a credit loss expense. Only subsequent changes in the allowance for credit losses are recorded as a credit loss expense for these assets. Interest income for PCD assets should be recognized based on the effective interest rate, excluding the discount embedded in the purchase price that is attributable to the acquirer assessment of credit losses at acquisition. Available-for-Sale Debt Securities—Credit losses relating to available-for-sale debt securities should be recorded through an allowance for credit losses. Available-for-sale accounting recognizes that value may be realized either through collection of contractual cash flows or through sale of the security. Therefore, the amendments limit the amount of the allowance for credit losses to the amount by which fair value is below amortized cost because the classification as available for sale is premised on an investment strategy that recognizes that the investment could be sold at fair value, if cash collection would result in the realization of an amount less than fair value. The allowance for credit losses for purchased available-for-sale securities with a more-than-insignificant amount of credit deterioration since origination is determined in a similar manner to other available-for-sale debt securities; however, the initial allowance for credit losses is added to the purchase price rather than reported as a credit loss expense. Only subsequent changes in the allowance for credit losses are recorded in credit loss expense. Interest income should be recognized based on the effective interest rate, excluding the discount embedded in the purchase price that is attributable to the acquirer’s assessment of credit losses at acquisition. For public business entities that are U.S. Securities and Exchange Commission (SEC) filers, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. For all other public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements.

11


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 3. Earnings per Common Share

Basic earnings per common share (“EPS”) is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding. Diluted EPS includes any additional common shares as if all potentially dilutive common shares were issued (e.g., stock options). The Company’s weighted average common shares outstanding for diluted EPS include the effect of stock options and restricted stock awards outstanding using the Treasury Stock Method, which are not included in the calculation of basic EPS.

Earnings per common share have been computed as follows:

Three Months Ended Nine Months Ended
September 30,   September 30,
(in thousands, except per share amounts) 2016       2015       2016       2015
Net income $ 11,856 $ 10,842 $ 33,106 $ 31,743
Preferred stock dividends - (28 ) (22 ) (84 )
       Net income available to common stockholders $        11,856 $        10,814 $        33,084 $        31,659
Basic weighted average common shares outstanding   30,125 30,046   30,100 29,786
Effect of dilutive options (1) 276   290   276   537
       Diluted weighted average common shares outstanding (2) 30,401 30,336 30,376   30,323
Earnings per common share:  
       Basic $ 0.39 $ 0.36 $ 1.10 $ 1.06
       Diluted 0.39 0.36 1.09 1.04

(1) Represents incremental shares computed using the treasury stock method.
(2) Anti-dilutive shares are not included in determining diluted earnings per share. There were no anti-dilutive shares in the three and nine months ended September 30, 2016.

Note 4. Investment Securities

The Company’s investment securities are classified as available-for-sale at September 30, 2016 and as available-for-sale and held-to-maturity at December 31, 2015. Investment securities available-for-sale are reported at fair value with unrealized gains or losses included in equity, net of tax. Accordingly, the carrying value of such securities reflects their fair value as of September 30, 2016 and December 31, 2015. Fair value is based upon either quoted market prices, or in certain cases where there is limited activity in the market for a particular instrument, assumptions are made to determine their fair value. See Note 7 of the Notes to Consolidated Financial Statements for a further discussion.

Transfers of debt securities from the available-for-sale category to the held-to-maturity category are made at fair value at the date of transfer. The unrealized holding gain or loss at the date of transfer remains in accumulated other comprehensive income and in the carrying value of the held-to-maturity investment security. Premiums or discounts on investment securities are amortized or accreted using the effective interest method over the life of the security as an adjustment of yield. Unrealized holding gains or losses that remain in accumulated other comprehensive income are amortized or accreted over the remaining life of the security as an adjustment of yield, offsetting the related amortization of the premium or accretion of the discount.

Transfers of debt securities from the held-to-maturity category to the available-for-sale category are made at fair value at the date of transfer. The unrealized holding gain or loss at the date of the transfer shall be recognized in accumulated other comprehensive income, net of applicable taxes.

During the quarter ended September 30, 2016 the Company transferred all securities previously categorized as held-to-maturity to available-for-sale classification. The transfer resulted in an increase of approximately $210 million in amortized cost basis of available-for-sale securities and resulted in a net increase to accumulated other comprehensive income of $7.4 million, net of tax. This transfer will enhance liquidity and increase flexibility with regard to asset-liability management and balance sheet composition.

12



NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 4. Investment Securities – (continued)

The following tables present information related to the Company’s investment securities at September 30, 2016 and December 31, 2015 (dollars in thousands):

Gross Gross
Amortized Unrealized Unrealized Fair
September 30, 2016 Cost Gains Losses Value
Investment securities available-for-sale                  
       Federal agency obligations $ 55,024 $ 1,084 $ (9 ) $ 56,099
       Residential mortgage pass-through securities 62,124 1,292 (12 ) 63,404
       Commercial mortgage pass-through securities 4,218 151 - 4,369
       Obligations of U.S. states and political subdivisions 135,781 5,582 (2 ) 141,361
       Trust preferred securities 5,574 310 (209 ) 5,675
       Corporate bonds and notes 37,725 916 (348 ) 38,293
       Asset-backed securities 15,797 1 (296 ) 15,502
       Certificates of deposit 973 15 - 988
       Equity securities 376 52 (3 ) 425
       Other securities 12,332 94 (83 ) 12,343
              Total securities available-for-sale $ 329,924 $ 9,497 $ (962 ) $ 338,459
 
Gross Gross
Amortized Unrealized Unrealized Fair
December 31, 2015 Cost Gains Losses Value
Investment securities available-for-sale
       Federal agency obligations $ 29,062 $ 142 $ (58 ) $ 29,146
       Residential mortgage pass-through securities 44,155 803 (48 )   44,910
       Commercial mortgage pass-through securities 2,981   - (9 ) 2,972
       Obligations of U.S. states and political subdivisions 8,188 169 -   8,357
       Trust preferred securities 16,088 398 (231 ) 16,255
       Corporate bonds and notes 53,566 702   (292 ) 53,976
       Asset-backed securities   20,005 18 (298 ) 19,725
       Certificates of deposit 1,895 18   (8 ) 1,905
       Equity securities 376 21 (23 ) 374
       Other securities 18,303   - (153 ) 18,150
              Total securities available-for-sale $         194,619 $         2,271 $         (1,120 ) $         195,770
 
Gross Gross
Amortized Unrecognized Unrecognized Fair
Cost Gains Losses Value
Investment securities held-to-maturity
       U.S. Treasury and agency securities $ 28,471 $ 755 $ - $ 29,226
       Federal agency obligations 33,616 280 (119 ) 33,777
       Residential mortgage-backed securities 3,805 11 (6 ) 3,810
       Commercial mortgage-backed securities 4,110 27 (2 ) 4,135
       Obligations of U.S. states and political divisions 118,015 5,001 (3 ) 123,013
       Corporate bonds and notes 36,039 719 (161 ) 36,597
              Total securities held-to-maturity $ 224,056 $ 6,793 $ (291 ) $ 230,558
                         
       Total investment securities $ 418,675 $ 9,064 $ (1,411 ) $ 426,328

13



NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 4. Investment Securities – (continued)

The following table presents information for investment securities at September 30, 2016, based on scheduled maturities. Actual maturities can be expected to differ from scheduled maturities due to prepayment or early call options of the issuer.

September 30, 2016
Amortized       Fair
Cost Value
(in thousands)
Investment securities available-for-sale:
       Due in one year or less $ 3,886   $ 3,906
       Due after one year through five years 26,238 26,914
       Due after five years through ten years 55,486 57,204
       Due after ten years 165,264   169,894
Residential mortgage pass-through securities   62,124 63,404
Commercial mortgage pass-through securities 4,218 4,369
Equity securities 376 425
Other securities 12,332 12,343
       Total $      329,924 $      338,459

Gross gains and losses from the sales, calls and maturities of investment securities for the three-month and nine-month periods ended September 30, 2016 and 2015 were as follows:

Three Months Ended Nine Months Ended
September 30, September 30,
(in thousands)       2016       2015       2016       2015
Proceeds   $ 78,680 $ 32,125 $ 85,253 $ 44,397
Gross gains on sales of investment securities 4,131   2,067 4,234   2,793
Gross losses on sales of investment securities   -   -   -   -
       Net gains on sales of investment securities 4,131 2,067 4,234 2,793
       Less: tax provision on net gains 1,640 794 1,682 1,091
 
              Total $ 2,491 $ 1,273 $ 2,552 $ 1,702

The Company performs regular analysis on the available-for-sale securities portfolio to determine whether a decline in fair value indicates that an investment is other-than-temporarily impaired in accordance with FASB ASC 320-10. FASB ASC 320-10 requires companies to record other-than-temporary impairment (“OTTI”) charges through earnings if they have the intent to sell, or more likely than not will be required to sell, an impaired debt security before recovery of its amortized cost basis. If the Company intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, less any current period credit loss, the OTTI is recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its estimated fair value at the balance sheet date. If the Company does not intend to sell the security and it is more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis less any current period loss, and as such, it determines that a decline in fair value is other-than-temporary, the OTTI is separated into the amount representing the credit loss and the amount related to all other factors. The amount of the OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the total OTTI related to other factors is recognized in other comprehensive income, net of applicable taxes. The previous amortized cost basis less the OTTI recognized in earnings becomes the new amortized cost basis of the investment.

14



NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 4. Investment Securities – (continued)

The Company reviews all securities for potential recognition of other-than-temporary impairment. The Company maintains a watch list for the identification and monitoring of securities experiencing problems that require a heightened level of review. This could include credit rating downgrades.

The Company’s assessment of whether an impairment in the portfolio is other-than temporary includes factors such as whether the issuer has defaulted on scheduled payments, announced restructuring and/or filed for bankruptcy, has disclosed severe liquidity problems that cannot be resolved, disclosed deteriorating financial condition or sustained significant losses.

Temporarily Impaired Investments

The Company does not believe that any of the unrealized losses, which were comprised of 36 and 74 investment securities as of September 30, 2016 and December 31, 2015, respectively, represent an other-than-temporary impairment. The gross unrealized losses associated with U.S. Treasury and agency securities, federal agency obligations, mortgage-backed securities, corporate bonds, tax-exempt securities, asset-backed securities, trust preferred securities, mutual funds and equity securities are not considered to be other-than-temporary because these unrealized losses are related to changes in interest rates and do not affect the expected cash flows of the underlying collateral or issuer.

Factors which may contribute to unrealized losses include credit risk, market risk, changes in interest rates, economic cycles, and liquidity risk. The magnitude of any unrealized loss may be affected by the relative concentration of the Company’s investment in any one issuer or industry. The Company has established policies to reduce exposure through diversification of the investment portfolio including limits on concentrations to any one issuer. The Company believes the investment portfolio is prudently diversified.

The unrealized losses included in the tables below are primarily related to changes in interest rates and credit spreads. All of the Company’s investment securities are performing and are expected to continue to perform in accordance with their respective contractual terms and conditions. These are largely intermediate duration holdings and, in certain cases, monthly principal payments can further reduce loss exposure resulting from an increase in rates.

The Company evaluates all securities with unrealized losses quarterly to determine whether the loss is other-than-temporary. Unrealized losses in the corporate debt securities category consist primarily of senior unsecured corporate debt securities issued by large financial institutions, insurance companies and other corporate issuers. Single issuer corporate trust preferred securities are also included, and in the case of one holding the market valuation loss is largely based upon the floating rate coupon and corresponding market valuation. Neither that trust preferred issuer, nor any other corporate issuers, have defaulted on interest payments. The unrealized loss in equity securities consists of losses on other bank equities. The decline in fair value is due in large part to the lack of an active trading market for these securities, changes in market credit spreads and rating agency downgrades. Management concluded that these securities were not other-than-temporarily impaired at September 30, 2016.

In determining whether or not securities are OTTI, the Company must exercise considerable judgment. Accordingly, there can be no assurance that the actual results will not differ from the Company’s judgments and that such differences may not require the future recognition of other-than-temporary impairment charges that could have a material effect on the Company’s financial position and results of operations. In addition, the value of, and the realization of any loss on, an investment security is subject to numerous risks as cited above.

15



NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 4. Investment Securities – (continued)

The following tables indicate gross unrealized losses not recognized in income and fair value, aggregated by investment category and the length of time individual securities have been in a continuous unrealized loss position at September 30, 2016 and December 31, 2015:

September 30, 2016
Total Less than 12 Months 12 Months or Longer
Fair Unrealized Fair Unrealized Fair Unrealized
Value       Losses       Value       Losses       Value       Losses
(in thousands)
Investment securities
       available-for-sale:
 
Federal agency obligation $ 2,685 $ (9 ) $ 1,366 $ (3 ) $ 1,319 $ (6 )
Residential mortgage  
       pass-through securities 2,978 (12 ) 2,596 (9 ) 382 (3 )
Obligations of U.S. states        
       and political subdivisions 575 (2 ) 575   (2 )
Trust preferred securities 1,369 (209 ) - -   1,369   (209 )
Corporate bonds and notes 13,945   (348 ) 5,741   (185 ) 8,204 (163 )
Asset-backed securities 14,025 (296 ) 3,891 (72 ) 10,134   (224 )
Equity securities 134 (3 )   - -   134 (3 )
Other securities 5,417 (83 ) - -   5,417 (83 )
       Total temporarily impaired
              securities $         41,128 $         (962 ) $         14,169 $         (271 ) $         26,959 $          (691 )

16



NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 4. Investment Securities – (continued)

December 31, 2015
Total Less than 12 Months 12 Months or Longer
Fair Unrealized Fair Unrealized Fair   Unrealized
Value       Losses       Value       Losses       Value       Losses
(dollars in thousands)
Investment Securities
       Available-for-Sale:
 
Federal agency obligation $ 12,260 $ (58 ) $ 12,013 $ (54 ) $ 247 $ (4 )
Residential mortgage
       pass-through securities 9,027 (48 ) 9,027 (48 ) - -
Commercial mortgage-backed
       securities 2,971 (9 ) 2,971 (9 ) - -
Trust preferred securities 1,345 (231 ) - - 1,345 (231 )
Corporate bonds and notes 16,533 (292 ) 12,702 (161 ) 3,831 (131 )
Asset-backed securities 14,745 (298 ) 11,250 (188 ) 3,495 (110 )
Certificates of deposit 215 (8 ) 215 (8 ) - -
Equity securities 123 (23 ) - - 123 (23 )
Other securities 5,347 (153 ) - - 5,347 (153 )
Total $         62,566 $         (1,120 ) $         48,178 $         (468 ) $         14,388 $         (652 )
 
Investment Securities
       Held-to-Maturity:
 
Federal agency obligation 12,554 (119 )   11,783 (109 ) 771 (10 )
Residential mortgage
       pass-through securities 2,480   (6 ) 2,480 (6 ) - -
Commercial mortgage-backed                
       securities 1,331 (2 ) 1,331   (2 ) -   -  
Obligations of U.S. states      
       and political subdivisions 981   (3 ) 981 (3 ) - -
Corporate bonds and notes 5,536 (161 ) 5,536 (161 ) - -
Total $ 22,882 $ (291 ) $ 22,111 $ (281 ) $ 771 $ (10 )
 
Total Temporarily Impaired
       Securities $ 85,448 $ (1,411 ) $ 70,289 $ (749 ) $ 15,159 $ (662 )

Investment securities having a carrying value of approximately $104.2 million and $142.5 million at September 30, 2016 and December 31, 2015, respectively, were pledged to secure public deposits, borrowings, Federal Reserve Discount Window and Federal Home Loan Bank advances and for other purposes required or permitted by law.

As of September 30, 2016 and December 31, 2015, there were no holdings of securities of any one issuer, other than the U.S. Government and its agencies, in an amount greater than 10% of stockholders’ equity.

Note 5 - Derivatives

The Company utilizes interest rate swap agreements as part of its asset liability management strategy to help manage its interest rate risk position. The notional amount of the interest rate swap does not represent amounts exchanged by the parties. The amount exchanged is determined by reference to the notional amount and the other terms of the individual interest rate swap agreements.

Interest rate swaps were entered into on August 24, 2015, December 30, 2014 and October 15, 2014 each with a respective notional amount of $25 million and were designated as cash flow hedges of a Federal Home Loan Bank advance. The swaps were determined to be fully effective during the period presented and therefore no amount of ineffectiveness has been included in net income while the aggregate fair value of the swaps is recorded in other assets (liabilities) with changes in fair value recorded in other comprehensive income (loss). The amount included in accumulated other comprehensive income (loss) would be reclassified to current earnings should the hedges no longer be considered effective. The Company expects the hedges to remain fully effective during the remaining term of the swaps.

17



NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 5 – Derivatives – (continued)

Summary information about the interest rate swaps designated as cash flow hedges as of September 30, 2016, December 31, 2015 and September 30, 2015 are presented in the following table.

September 30, December 31, September 30,
(dollars in thousands) 2016       2015       2015
Notional amount $ 75,000 $ 75,000 $ 75,000
Weighted average pay rates   1.58 % 1.56 %     1.56 %
Weighted average receive rates 0.70 %     0.44 % 0.30 %
Weighted average maturity     3.1 years         3.8 years     4.1 years
Fair value $ (1,212 ) $ (131 ) $ (1,105 )

Interest expense recorded on these swap transactions totaled approximately $167,000 and $534,000 for the three and nine months ended September 30, 2016 and approximately $165,000 and $331,000 for the three and nine months ended September 30, 2015.

Cash Flow Hedge

The following table presents the net gains (losses), recorded in other comprehensive income and the Consolidated Statements of Income relating to the cash flow derivative instruments for the following periods:

Nine Months Ended September 30, 2016
Amount of loss Amount of loss Amount of loss
recognized reclassified recognized in other
in OCI (Effective from OCI to Noninterest income
(in thousands)       Portion)       interest income       (Ineffective Portion)
Interest rate contracts $ (640) $ - $ -
 
Nine Months Ended September 30, 2015
Amount of loss Amount of loss Amount of loss
recognized reclassified recognized in other
in OCI (Effective from OCI to Noninterest income
(in thousands) Portion) interest income (Ineffective Portion)
Interest rate contracts $ (1,153) $ - $ -

The following table reflects the cash flow hedges included in the consolidated statements of condition as of September 30, 2016 and December 31, 2015:

September 30, 2016 December 31, 2015
Notional Notional
(in thousands) Amount       Fair Value       Amount       Fair Value
Interest rate swaps related to FHLB Advances included in Assets $ 75,000 $        (1,212 ) $ 75,000 $        (131 )

18



NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 6. Loans and the Allowance for Loan and Lease Losses

Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of deferred loan fees and costs, premiums and discounts related to purchase accounting, and an allowance for loan and lease losses. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments.

Loan segments are defined as a group of loans and leases, which share similar initial measurement attributes, risk characteristics, and methods for monitoring and assessing credit risk. Management has determined that the Company has five segments of loans and leases: commercial (including lease financing), commercial real estate, commercial construction, residential real estate (including home equity) and consumer.

Interest income on commercial, commercial real estate, commercial construction and residential loans are discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. A loan is moved to nonaccrual status in accordance with the Company’s policy, typically after 90 days of non-payment.

All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

The policy of the Company is to generally grant commercial, residential and consumer loans to residents and businesses within its market area. The borrowers’ abilities to repay their obligations are dependent upon various factors including the borrowers’ income and net worth, cash flows generated by the borrowers’ underlying collateral, value of the underlying collateral, and priority of the lender’s lien on the property. Such factors are dependent upon various economic conditions and individual circumstances beyond the control of the Company. The Company is therefore subject to risk of loss. The Company believes its lending policies and procedures adequately minimize the potential exposure to such risks and that adequate provisions for loan and lease losses are provided for all known and inherent risks. Collateral and/or personal guarantees are required for a large majority of the Company’s loans.

Allowance for Loan and Lease Losses

The allowance for loan and lease losses is a valuation allowance for probable incurred credit losses. Losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan and lease loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired.

A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans, for which the terms have been modified, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (“TDRs”) and classified as impaired. As part of the evaluation of impaired loans, the Company individually reviews for impairment all non-homogeneous loans internally classified as substandard or below. Generally, smaller impaired non-homogeneous loans and impaired homogeneous loans are collectively evaluated for impairment.

Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.

19



NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 6. Loans and the Allowance for Loan and Lease Losses – (continued)

TDRs are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For TDRs that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan and lease losses.

The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors. The historical loss experience, the primary factor, is determined by loan class and is based on the actual loss history experienced by the Bank over an actual three-year rolling calculation. This actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment and with the exogenous factor adjustments based on the risks present for each loan category. These exogenous factors include consideration of the following: concentrations of credit; delinquency & nonaccrual trends; economic & business conditions including evaluation of the national and regional economies and industries with significant loan concentrations; external factors including legal, regulatory or competitive pressures that may impact the loan portfolio; changes in the experience, ability, or size of the lending staff, management, or board of directors that may impact the loan portfolio; changes in underwriting standards, collection procedures, charge-off practices, or other changes in lending policies and procedures that may impact the loan portfolio; loss and recovery trends; changes in portfolio size and mix; and trends in problem loans.

Purchased Credit-Impaired Loans

The Company purchases groups of loans in conjunction with mergers, some of which have shown evidence of credit deterioration since origination. These purchased credit impaired loans are recorded at the amount paid, such that there is no carryover of the seller’s allowance for loan and lease losses. After acquisition, losses are recognized by an increase in the allowance for loan and lease losses.

Such purchased credit-impaired loans (“PCI”) are accounted for individually. The Company estimates the amount and timing of expected cash flows for each loan and the expected cash flows in excess of amount paid is recorded as interest income over the remaining life of the loan (accretable yield). The excess of the loan’s contractual principal and interest over expected cash flows is not recorded (nonaccretable difference).

A PCI loan may be resolved either through a sale of the loan, by working with the customer and obtaining partial or full repayment, by short sale of the collateral, or by foreclosure. A gain or loss on resolution would be recognized based on the difference between the proceeds received and the carrying amount of the loan.

Payments received earlier than expected or in excess of expected cash flows from sales or other resolutions may result in the carrying value of a pool being reduced to zero even though outstanding contractual balances and expected cash flows remain related to loans in the pool. Once the carrying value of a pool is reduced to zero, any future proceeds, which may include cash or real estate acquired in foreclosure, from the remaining loans, representing further realization of accretable yield, are recognized as interest income upon receipt.

PCI loans that met the criteria for nonaccrual may be considered performing, regardless of whether the customer is contractually delinquent, if management can reasonably estimate the timing and amount of the expected cash flows on such loans and if management expects to fully collect the new carrying value of the loans. As such, management may no longer consider the loans to be nonaccrual or nonperforming and may accrue interest on these loans, including the impact of any accretable discount.

20



NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 6. Loans and the Allowance for Loan and Lease Losses – (continued)

Composition of Loan Portfolio

The following table sets forth the composition of the Company’s loan portfolio, including net deferred loan fees, at September 30, 2016 and December 31, 2015:

September 30, December 31,
2016       2015
  (in thousands)
Commercial $ 644,430 $ 570,116
Commercial real estate 2,100,804 1,966,696
Commercial construction 471,109     328,838
Residential real estate   229,401   233,690
Consumer 2,879 2,454
       Gross loans 3,448,623 3,101,794  
Net deferred loan fees (3,147 ) (2,787 )
       Total loans receivable $       3,445,476 $       3,099,007

As of September 30, 2016, the bank designated approximately $15.1 million as loans held-for-sale. This designation occurred during the third quarter of 2016 and consisted of approximately $1.6 million of mortgage loans and approximately $13.5 million of commercial and commercial real estate loans.

At September 30, 2016 and December 31, 2015 loan balances of approximately $1.6 billion were pledged to secure borrowings from the Federal Home Loan Bank of New York.

Purchased Credit-Impaired Loans

The Company holds purchased loans for which there was, at their acquisition date, evidence of deterioration of credit quality since their origination and it was probable, at acquisition, that all contractually required payments would not be collected. The carrying amount of those loans is as follows at September 30, 2016 and December 31, 2015.

September 30, December 31,
2016       2015
(in thousands)
Commercial $ 7,027 $ 7,078
Commercial real estate 1,002 1,775
Residential real estate   -   328
       Total carrying amount $ 8,029   $ 9,181

For those purchased loans disclosed above, the Company did not increase the allowance for loan and lease losses for the three and nine months ended September 30, 2016.

The accretable yield, or income expected to be collected, on the purchased loans disclosed above for the three and nine months ended September 30, 2016 is as follows (in thousands):

Three Months Three Months
Ended Ended
September       September
30, 2016 30, 2015
Beginning balance $               3,233     $               4,013  
New loans purchased   -   -  
Accretion of income   (185 )     (207 )
Reclassification from nonaccretable differences -     -
Disposals   -       -  
Ending balance $ 3,048 $ 3,806

21



NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 6. Loans and the Allowance for Loan and Lease Losses – (continued)

Nine Months Nine Months
Ended Ended
      September       September
30, 2016 30, 2015
Beginning balance $             3,599 $             4,467
New loans purchased - -
Accretion of income (551 ) (661 )
Reclassification from nonaccretable differences - -
Disposals - -
Ending balance $ 3,048 $ 3,806

The following table presents information about the recorded investment in loan receivables on nonaccrual status by segment at September 30, 2016 and December 31, 2015:

Loans Receivable on Nonaccrual Status

September 30, December 31,
2016       2015
(in thousands)
Commercial $ 5,982 $ 6,586
Commercial real estate 2,489   9,112
Commercial construction -   1,479
Residential real estate 3,022 3,559
       Total loans receivable on nonaccrual status $ 11,493 $ 20,736

During the quarter ended September 30, 2016, the bank sold a lease financing receivable for approximately $2.6 million, net of closing costs. At the time of sale, the recorded investment of the lease financing receivable was $3.7 million, with a specific allowance for loan loss reserve of $1.3 million. The amount of net proceeds that exceeded the net carrying value was recorded as an increase to the allowance for loan losses.

The Company continuously monitors the credit quality of its loans receivable. In addition to its internal staff, the Company utilizes the services of a third party loan review firm to rate the credit quality of its loans receivable. Credit quality is monitored by reviewing certain credit quality indicators. Assets classified “Pass” are deemed to possess average to superior credit quality, requiring no more than normal attention.

Assets classified as “Special Mention” have generally acceptable credit quality yet possess higher risk characteristics/circumstances than satisfactory assets. Such conditions include strained liquidity, slow pay, stale financial statements, or other conditions that require more stringent attention from the lending staff. These conditions, if not corrected, may weaken the loan quality or inadequately protect the Company’s credit position at some future date.

Assets are classified “Substandard” if the asset has a well-defined weakness that requires management’s attention to a greater degree than for loans classified special mention. Such weakness, if left uncorrected, could possibly result in the compromised ability of the loan to perform to contractual requirements.

An asset is classified as “Doubtful” if it is inadequately protected by the net worth and/or paying capacity of the obligor or of the collateral, if any, that secures the obligation. Assets classified as doubtful include assets for which there is a “distinct possibility” that a degree of loss will occur if the inadequacies are not corrected.

22



NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 6. Loans and the Allowance for Loan and Lease Losses – (continued)

The following table presents information, excluding loans held-for-sale and net deferred loan fees, about the Company’s loan credit quality at September 30, 2016 and December 31, 2015:

September 30, 2016
Special
      Pass       Mention       Substandard       Doubtful       Total
(in thousands)
Commercial $        531,599 $        2,787 $        110,044 $        - $        644,430
Commercial real estate 2,049,986 32,504 18,314 - 2,100,804
Commercial construction 469,735 1,374 - - 471,109
Residential real estate 226,012 -   3,389 - 229,401
Consumer 2,812 - 67 - 2,879
 
       Total loans $ 3,280,144 $ 36,665 $ 131,814 $ - $ 3,448,623
 
December 31, 2015
Special
Pass Mention Substandard Doubtful Total
(in thousands)
Commercial $ 462,358 $ 11,760 $ 95,998 $ - $ 570,116
Commercial real estate 1,919,041 18,990 28,426 239 1,966,696
Commercial construction 326,697 662 1,479 - 328,838
Residential real estate 229,426 - 4,264 - 233,690
Consumer 2,368 - 86 - 2,454
 
       Total loans $ 2,939,890 $ 31,412 $ 130,253 $ 239 $ 3,101,794

23


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 6. Loans and the Allowance for Loan and Lease Losses – (continued)

The following table provides an analysis of the impaired loans, by loan segment, at September 30, 2016 and December 31, 2015:

September 30, 2016
Unpaid
Recorded Principal Related
      Investment       Balance       Allowance
No related allowance recorded (in thousands)
Commercial $ 6,718 $ 7,025
Commercial real estate 9,166 9,182
Commercial construction 1,374 1,374
Residential real estate 3,389 3,823
Consumer 67 67
       Total $        20,714 $        21,471
 
With an allowance recorded
Commercial $ 95,964 $ 95,964 $        12,931
Commercial real estate 153 153 105
       Total $ 96,117 $ 96,117 $ 13,036
 
Total
Commercial $ 102,682 $ 103,989 $ 12,931
Commercial real estate 9,319 9,335 105
Commercial construction 1,374 1,374 -
Residential real estate 3,389 3,823 -
Consumer 67 67 -
       Total $ 116,831 $ 117,588 $ 13,036
 
 
December 31, 2015
Unpaid
Recorded Principal Related
Investment Balance Allowance
No related allowance recorded (in thousands)
Commercial $ 610 $ 645
Commercial real estate 15,517 16,512
Commercial construction 2,149 2,141
Residential real estate 3,954 4,329
Consumer 87 86
       Total $ 22,317 $ 23,713
 
With an allowance recorded
Commercial $ 84,787 $ 84,449 $ 6,725
 
Total
Commercial $ 85,397 $ 85,094 $ 6,725
Commercial real estate 15,517 16,512 -
Commercial construction 2,149 2,141 -
Residential real estate 3,954 4,329 -
Consumer 87 86 -
       Total $ 107,104 $ 108,162 $ 6,725

24


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 6. Loans and the Allowance for Loan and Lease Losses – (continued)

The following table provides an analysis related to the average recorded investment and interest income recognized on impaired loans by segment as of and for the three and nine months ended September 30, 2016 and 2015 (in thousands):

Three Months Ended September 30, Nine Months Ended September 30,
2016 2015   2016 2015  
Average Interest Average Interest Average Interest Average Interest
Recorded Income Recorded Income Recorded Income Recorded Income
    Investment    Recognized    Investment    Recognized    Investment    Recognized    Investment    Recognized
Impaired loans with no
related allowance
recorded:
 
Commercial $       6,704 $       66 $       712 $       - $       4,317 $       86 $       707 $       -
Commercial real estate 9,129 65 4,869 15 8,167 118 4,905 46
Commercial
construction 1,224 21 1,479 - 979 54 1,479 -
Residential real estate 3,271 5 3,221 7 3,247 15 3,251 12
Consumer 70 1 100 1 74 3 102 4
Total $ 20,398 $ 158 $ 10,381 23 $ 16,784 $ 276 $ 10,444 $ 62
 
Impaired loans with an
allowance recorded:
 
Commercial $ 91,393 $ 925 $ 79,732 $ 722 $ 85,620 $ 2,447 $ 45,747 $ 1,206
Commercial real estate 153 - - - 153 - - -
Total $ 91,5476 $ 925 $ 79,732 $ 722 $ 102,577 $ 2,447 $ 45,747 $ 1,206
 
Total impaired loans:
 
Commercial $ 98,097 $ 991 $ 80,444 $ 722 $ 89,937 $ 2,533 $ 46,454 $ 1,206
Commercial real estate 9,282 65 4,869 15 8,320 118 4,905 46
Commercial
construction 1,224 21 1,479 - 979 54 1,479 -
Residential real estate 3,271 5 3,221 7 3,247 15 3,251 12
Consumer 70 1 100 1 74 3 102 4
 
Total $ 111,944 $ 1,083 $ 90,113 $ 745 $ 102,557 $ 2,753 $ 56,191 $ 1,268

Included in impaired loans at September 30, 2016 and December 31, 2015 are loans that are deemed troubled debt restructurings. The recorded investment in loans include accrued interest receivable and other capitalized costs such as real estate taxes paid on behalf of the borrower. Cash basis interest and interest income recognized on accrual basis approximate each other.

25


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 6. Loans and the Allowance for Loan and Lease Losses – (continued)

The following table provides an analysis of the aging of gross loans (excluding loans held-for-sale) that are past due at September 30, 2016 and December 31, 2015 by segment:

Aging Analysis

September 30, 2016
90 Days or Greater than 90 Days
30-59 Days 60-89 Days Greater Past Total Loans Past Due and Still
Past Due Past Due Due Total Current Receivable Accruing/Accreting
   (in thousands)
Commercial $      -    $      249    $      5,363    $      5,612    $      638,818    $      644,430    $      4,543
Commercial real
estate 461 1,600 2,385 4,446 2,096,358 2,100,804 654
Commercial
construction - - - - 471,109 471,109 -
Residential real
estate 505 924 1,778 3,207 226,194 229,401 -
Consumer 9 - - 9 2,870 2,879
       Total $ 975 $ 2,773 $ 9,526 $ 13,274 $ 3,435,349 $ 3,448,623 $ 5,197
 
 
December 31, 2015
90 Days or Greater than 90 Days
30-59 Days 60-89 Days Greater Past Total Loans Past Due and Still
Past Due Past Due Due Total Current Receivable Accruing/Accreting
(in thousands)
Commercial $ 6,887 $ 3,505 $ 6,865 $ 17,257 $ 552,859 $ 570,116 $ -
Commercial real
estate 1,998 988 9,561 12,547 1,954,149 1,966,696 -
Commercial
construction - - 1,479 1,479 327,359 328,838 -
Residential real
estate - - 2,122 2,122 231,568 233,690 -
Consumer 4 9 - 13 2,441 2,454 -
       Total $ 8,889 $ 4,502 $ 20,027 $ 33,418 $ 3,068,376 $ 3,101,794 $ -

Included in the 90 days and still accruing/accreting bucket are three purchased credit-impaired loans, net of their fair value marks, which are accreting income per their valuation at date of acquisition.

26


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 6. Loans and the Allowance for Loan and Lease Losses – (continued)

The following tables detail, at the period-end presented, the amount of gross loans (excluding loans held-for-sale) that are evaluated individually, and collectively, for impairment, those acquired with deteriorated quality, and the related portion of the allowance for loan and lease losses that are allocated to each loan portfolio segment:

September 30, 2016
Commercial Commercial Residential
    Commercial     real estate     construction     real estate     Consumer     Unallocated     Total
(in thousands)
Allowance for loan and lease losses
Individually evaluated for impairment $       12,931 $       105 $       - $       - $       - $       - $       13,036
Collectively evaluated for impairment 7,465 11,270 4,072 1,174 4 594 24,579
Acquired portfolio - - - - - - -
Acquired with deteriorated credit quality - - - - - - -
Total $ 20,396 $ 11,375 $ 4,072 $ 1,174 $ 4 $ 594 $ 37,615
 
Gross loans
Individually evaluated for impairment $ 102,682 $ 9,319 $ 1,374 $ 3,389 $ 67 $ - $ 116,831
Collectively evaluated for impairment 487,657 1,480,859 462,687 153,488 2,178 - 2,586,869
Acquired portfolio 47,064 609,624 7,048 72,524 634 - 736,894
Acquired with deteriorated credit quality 7,027 1,002 - - - - 8,029
Total $ 644,430 $ 2,100,804 $ 471,109 $ 229,401 $ 2,879 $ - $ 3,448,623
 
 
December 31, 2015
Commercial Commercial Residential
Commercial real estate construction real estate Consumer Unallocated Total
(in thousands)
Allowance for loan and lease losses
Individually evaluated for impairment $ 6,725 $ - $ - $ - $ - $ - $ 6,725
Collectively evaluated for impairment 4,224 10,926 3,253 976 4 464 19,847
Acquired portfolio - - - - - - -
Acquired with deteriorated credit quality - - - - - - -
Total $ 10,949 $ 10,926 $ 3,253 $ 976 $ 4 $ 464 $ 26,572
 
Gross loans
Individually evaluated for impairment $ 85,397 $ 15,517 $ 2,149 $ 3,954 $ 87 $ - $ 107,104
Collectively evaluated for impairment 395,424 1,269,140 315,785 136,633 1,649 - 2,118,631
Acquired portfolio 82,217 680,264 10,904 92,775 718 866,878
Acquired with deteriorated credit quality 7,078 1,775 - 328 - - 9,181
Total $ 570,116 $ 1,966,696 $ 328,838 $ 233,690 $ 2,454 $ - $ 3,101,794

27


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 6. Loans and the Allowance for Loan and Lease Losses – (continued)

The Company’s allowance for loan and lease losses is analyzed quarterly. Many factors are considered, including growth in the portfolio, delinquencies, nonaccrual loan levels, and other factors inherent in the extension of credit. There have been no material changes to the allowance for loan and lease losses methodology as disclosed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2015.

A summary of the activity in the allowance for loan and lease losses is as follows:

Three Months Ended September 30, 2016
Commercial Commercial Residential
    Commercial       real estate     construction     real estate     Consumer     Unallocated     Total
(in thousands)
Balance at June 30, 2016 $       15,548 $        11,371 $      4,040 $         1,091 $             4 $            709 $      32,763
 
Charge-offs (1,878 ) - - (27 ) (5 ) - (1,910 )
 
Recoveries 1 10 - - 1 - 12
 
Provision 6,725 (6 ) 32 110 4 (115 ) 6,750
 
Balance at September 30,
2016 $ 20,396 $ 11,375 $ 4,072 $ 1,174 $ 4 $ 594 $ 37,615
 
 
Three Months Ended September 30, 2015
Commercial Commercial Residential
Commercial real estate construction real estate Consumer Unallocated Total
(in thousands)
Balance at June 30, 2015 $ 4,633 $ 9,195 $ 1,945 $ 1,161 $ 7 $ 539 $ 17,480
 
Charge-offs - (124 ) - - - - (124 )
 
Recoveries 2 - - - - - 2
 
Provision 2,488 1,203 701 (149 ) (3 ) (65 ) 4,175
 
Balance at September 30,
2015 $ 4,633 $ 9,195 $ 2,646 $ 1,012 $ 4 $ 474 $ 21,533

28


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 6. Loans and the Allowance for Loan and Lease Losses – (continued)

Nine Months Ended September 30, 2016
Commercial Commercial Residential
    Commercial     real estate     construction     real estate     Consumer     Unallocated     Total
(in thousands)
Balance at December 31,
2015 $        10,949 $        10,926 $        3,253 $         976 $            4 $            464 $        26,572
 
Charge-offs (2,396 ) - - (94 ) (10 ) - (2,500 )
 
Recoveries 2 35 - 3 3 - 43
 
Provision 11,841 414 819 289 7 130 13,500
 
Balance at September 30,
2016 $ 20,396 $ 11,375 $ 4,072 $ 1,174 $ 4 $ 594 $ 37,615
 
Nine Months Ended September 30, 2015
Commercial Commercial Residential
Commercial real estate construction real estate Consumer Unallocated Total
(in thousands)
Balance at December 31,
2014 $ 3,083 $ 7,799 $ 1,239 $ 1,113 $ 7 $ 919 $ 14,160
 
Charge-offs (100 ) (406 ) - - (13 ) - (519 )
 
Recoveries 12 327 - 2 1 - 342
 
Provision 4,128 2,554 1,407 (103 ) 9 (445 ) 7,550
 
Balance at September 30,
2015 $ 7,123 $ 10,274 $ 2,646 $ 1,012 $ 4 $ 474 $ 21,533

Troubled Debt Restructurings

At September 30, 2016, there were no commitments to lend additional funds to borrowers whose loans were on nonaccrual status or were contractually past due in excess of 90 days and still accruing interest, or whose terms have been modified in troubled debt restructurings.

The policy of the Company generally is to grant commercial, mortgage and consumer loans to residents and businesses within its market area. The ability of borrowers to repay their obligations is dependent upon various factors, including the borrowers’ income and net worth, cash flows generated by the borrowers’ underlying collateral, value of the underlying collateral, and priority of the lender’s lien on the property. Such factors are dependent upon various economic conditions and individual circumstances beyond the control of the Company. The Company is therefore subject to risk of loss. The Company believes its lending policies and procedures adequately minimize the potential exposure to such risks and that adequate provisions for loan and lease losses are provided for all known and inherent risks. Collateral and/or personal guarantees are required for virtually all loans. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms.

29


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 6. Loans and the Allowance for Loan and Lease Losses – (continued)

Loans modified in troubled debt restructurings totaled $106.7 million at September 30, 2016, of which $1.4 million were on nonaccrual status and $105.3 million were performing under restructured terms. At December 31, 2015, loans modified in troubled debt restructurings totaled $86.6 million, of which $0.7 million were on nonaccrual status and $85.9 million were performing under restructured terms. The Company has allocated $12.5 and $4.5 million in specific allocations with respect to loans whose loan terms had been modified in troubled debt restructurings as of September 30, 2016 and December 31, 2015, respectively. Performing TDRs as of September 30, 2016 increased the allowance for loan and lease losses by $5.0 and $8.3 million during the three and nine months ended September 30, 2016, respectively. Performing TDRs as of December 31, 2015 did not increase the allowance for loan and lease losses during the year ended December 31, 2015.

The $12.5 million in specific allocations referenced above were associated with New York City taxi medallion lending and were calculated based on the present value of estimated cash flows, including contractual debt interest service through maturity, and principal repayments based on the estimated fair value of the collateral excluding any consideration for personal guarantees of borrowers, which provide an additional source of repayment but cannot be relied upon. The valuation per New York City corporate medallion used for the calculation at September 30, 2016 was approximately $700,000. Since December 31, 2015, an additional $8.3 million specific allocation was required at September 30, 2016 due to a decline in the Company’s estimated valuation of New York City taxi medallions since December 31, 2015, when the specific allocation was $4.5 million.

The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ended September 30, 2016 (dollars in thousands):

Pre-Modification Post-Modification
Outstanding Outstanding
Number of Recorded Recorded
      Loans       Investment       Investment
Troubled debt restructurings:
       Commercial 16 $        19,311 $        19,311
       Commercial real estate 2 581 581
       Commercial construction - - -
       Residential real estate - - -
       Consumer - - -
 
              Total 18 $ 19,892 $ 19,892

Included in the above troubled debt restructurings were 14 loans secured by 25 New York City taxi medallions totaling $17.3 million. These loan modifications included interest rate reductions and maturity extensions. All 14 loans were accruing prior to modification, while 13 remained in accrual status post-modification.

The troubled debt restructurings described above increased the allowance for loan and leases losses by $8.3 million during the nine months ended September 30, 2016. There were no charge-offs in connection with a loan modification at the time of modification during the nine months ended September 30, 2016. There were no troubled debt restructurings for which there was a payment default within twelve months following the modification during the nine months ended September 30, 2016.

The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ended September 30, 2015 (dollars in thousands):

Pre-Modification Post-Modification
Outstanding Outstanding
Number of Recorded Recorded
       Loans       Investment       Investment
Troubled debt restructurings:
       Commercial 47 $        75,363 $        75,363
       Commercial real estate - - -
       Commercial construction - - -
       Residential real estate - - -
       Consumer - - -
 
              Total 47 $ 75,363 $ 75,363

30


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 6. Loans and the Allowance for Loan and Lease Losses – (continued)

The troubled debt restructurings included in the table above were loans secured by New York City taxi medallions that were modified during the third quarter of 2015. The modifications consisted of a deferral of principal amortization from approximately 25-30 year amortization to interest-only. There was no extension of the loans’ contractual maturity dates, there was no forgiveness of principal, and the interest rates on these loans were increased from approximately 3%-3.25% to 3.75%. These loans were accruing prior to modification and remained in accrual status post-modification.

The troubled debt restructurings described above increased the allowance for loan and lease losses by $2.0 million during the nine months ended September 30, 2015. There were no charge-offs in connection with a loan modification at the time of modification during the nine months ended September 30, 2015. There were no troubled debt restructurings for which there was a payment default within twelve months following the modification during the nine months ended September 30, 2015.

Note 7 - Fair Value Measurements and Fair Value of Financial Instruments

Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair value:

FASB ASC 820-10-05 defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurements and enhances disclosure requirements for fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date.

FASB ASC 820-10-65 provides additional guidance for estimating fair value in accordance with FASB ASC 820-10-05 when the volume and level of activity for the asset or liability have significantly decreased. This ASC also includes guidance on identifying circumstances that indicate a transaction is not orderly.

FASB ASC 820-10-05 establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy under FASB ASC 820-10-05 are as follows:

Level 1: Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities.

Level 2: Quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument.

Level 3: Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (for example, supported with little or no market activity).

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

The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Company’s assets measured at fair value on a recurring basis at September 30, 2016 and December 31, 2015:

Securities Available-for-Sale

Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 inputs include securities that have quoted prices in active markets for identical assets. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. Examples of instruments, which would generally be classified within Level 2 of the valuation hierarchy include municipal bonds and certain agency collateralized mortgage obligations. In certain cases where there is limited activity in the market for a particular instrument, assumptions must be made to determine the fair value of the instruments and these are classified as Level 3. When measuring fair value, the valuation techniques available under the market approach, income approach and/or cost approach are used. The Company’s evaluations are based on market data and the Company employs combinations of these approaches for its valuation methods depending on the asset class.

31


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 7 - Fair Value Measurements and Fair Value of Financial Instruments

Derivatives

The fair value of derivatives are based on valuation models using observable market data as of the measurement date (level 2). Our derivatives are traded in an over-the-counter market where quoted market prices are not always available. Therefore, the fair values of derivatives are determined using quantitative models that utilize multiple market inputs. The inputs will vary based on the type of derivative, but could include interest rates, prices and indices to generate continuous yield or pricing curves, prepayment rate, and volatility factors to value the position. The majority of market inputs are actively quoted and can be validated through external sources, including brokers, market transactions and third-party pricing services.

Loans Held-for-sale

Loans held-for-sale are required to be measured at the lower of cost or fair value. Under FASB ASC 820-10-05, market value is to represent fair value. Management obtains quotes or bids on all or part of these loans directly from the purchasing financial institutions.

Loans Receivable

The fair value of performing loans, except residential mortgages, is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risks inherent in the loan. The estimate of maturity is based on the historical experience of the Bank with prepayments for each loan classification, modified as required by an estimate of the effect of current economic and lending conditions. For performing residential mortgage loans, fair value is estimated by discounting contractual cash flows adjusted for prepayment estimates using discount rates based on secondary market sources adjusted to reflect differences in servicing and credit costs.

Off-Balance Sheet Financial Instruments

The fair value of commitments to extend credit is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed rate loan commitments, fair value also considers the difference between current levels of interest rate and the committed rates.

The fair value of financial standby letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties.

32


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 7 - Fair Value Measurements and Fair Value of Financial Instruments

Assets and Liabilities Measured at Fair Value on a Recurring Basis

For financial assets and liabilities measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at September 30, 2016 and December 31, 2015 are as follows:

September 30, 2016
Fair Value Measurements at Reporting Date Using
Quoted Prices
in Active Significant
Markets for Other Significant
Identical Observable Unobservable
Assets Inputs Inputs
            (Level 1)       (Level 2)       (Level 3)
(in thousands)
Recurring fair value measurements:
Assets  
Investment securities:
       available-for-sale:
              Federal agency obligations $        56,099 $        - $        56,099 $        -
              Residential mortgage pass-
                     through securities 63,404 - 63,404 -
              Commercial mortgage pass-
                     through securities 4,369 - 4,369 -
              Obligations of U.S. states and
                     political subdivision 141,361 - 123,026 18,335
              Trust preferred securities 5,675 - 5,675 -
              Corporate bonds and notes 38,293 - 38,293 -
              Asset-backed securities 15,502 - 15,502 -
              Certificates of deposit 988 - 988 -
              Equity securities 425 425 - -
              Other securities 12,343 12,343 - -
       Total available-for-sale $ 338,459 $ 12,768 $ 307,356 $ 18,335
Liabilities
Derivatives $ 1,212 $ - $ 1,212 $ -
 
Total liabilities $ 1,212 $ - $ 1,212 $ -

There were no transfers between Level 1, Level 2 and Level 3 during the three months ended September 30, 2016.

33


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 7 - Fair Value Measurements and Fair Value of Financial Instruments – (continued)

December 31, 2015
Fair Value Measurements at Reporting Date Using
Quoted Prices
in Active Significant
Markets for Other Significant
Identical Observable Unobservable
Assets Inputs Inputs
      (Level 1)       (Level 2)       (Level 3)
(in thousands)
Recurring fair value measurements:
Assets
Investment securities:  
       available-for-sale:
              Federal agency obligations $ 29,146   $ - $ 29,146 $ -
              Residential mortgage pass-
                     through securities 44,910 - 44,910 -
              Commercial mortgage pass-    
                     through securities 2,972 - 2,972 -
              Obligations of U.S. states and
                     political subdivision   8,357 -     8,357 -
              Trust preferred securities 16,255 - 16,255 -
              Corporate bonds and notes 53,976 - 53,976 -
              Asset-backed securities 19,725 - 19,725 -
              Certificates of deposit 1,905 - 1,905   -
              Equity securities 374 374 - -
              Other securities 18,150 18,150 - -
       Total available-for-sale $        195,770 $ 18,524 $ 177,246 $ -
       Liabilities
       Derivatives $ 131 $ - $ 131 $ -
       Total liabilities $ 131 $ - $ 131 $ -

There were no transfers between Level 1, Level 2 and Level 3 during the year ended December 31, 2015.

34


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 7 - Fair Value Measurements and Fair Value of Financial Instruments – (continued)

Assets Measured at Fair Value on a Non-Recurring Basis

The Company may be required periodically to measure certain assets at fair value on a nonrecurring basis in accordance with GAAP. These adjustments to fair value usually result from the application of lower of cost or fair value accounting or impairment write-downs of individual assets. The Company primarily utilized appraisal value less cost to sell and other unobservable market inputs to determine fair value of assets, and therefore, these valuations are classified as a Level 3 measurement. For assets measured at fair value on a non-recurring basis, the fair value measurements at September 30, 2016 and December 31, 2015 are as follows:

    Fair Value Measurements at Reporting Date Using
Quoted
Prices
in Active Significant
Markets for Other Significant
Identical Observable Unobservable
September 30, Assets Inputs Inputs
Assets measured at fair value on a nonrecurring basis: 2016 (Level 1) (Level 2) (Level 3)
Impaired loans: (in thousands)
Commercial $ 396 $ - $ - $ 396
 
    Fair Value Measurements at Reporting Date Using
Quoted
Prices
in Active Significant
            Markets for       Other       Significant
Identical Observable Unobservable
December 31, Assets Inputs Inputs
Assets measured at fair value on a nonrecurring basis: 2015 (Level 1) (Level 2) (Level 3)
Impaired loans: (in thousands)
Commercial $ 3,751   $ -   $ -   $ 3,751

The following methods and assumptions were used to estimate the fair values of the Company’s assets measured at fair value on a non-recurring basis at September 30, 2016 and December 31, 2015.

Impaired loans. The value of the impaired loans above were measured based upon the fair value of the collateral of the loans. Smaller balance homogeneous loans that are collectively evaluated for impairment, such as residential mortgage loans and consumer loans, are specifically excluded from the impaired loan portfolio. Collateral dependent impaired loans are individually assessed to determine that each loan’s carrying value is not in excess of the fair value of the related collateral. Collateral dependent impaired loans at September 30, 2016 that required a valuation allowance were $0.9 million with a related valuation allowance of $0.5 million compared to $6.0 million with a related valuation allowance of $2.2 million at December 31, 2015.

Fair Value of Financial Instruments

FASB ASC 825-10 requires all entities to disclose the estimated fair value of their financial instrument assets and liabilities. For the Company, as for most financial institutions, the majority of its assets and liabilities are considered financial instruments as defined in FASB ASC 825-10. Many of the Company’s financial instruments, however, lack an available trading market as characterized by a willing buyer and willing seller engaging in an exchange transaction. It is also the Company’s general practice and intent to hold its financial instruments to maturity and not to engage in trading or sales activities except for loans held-for-sale and investment securities available-for-sale. Therefore, significant estimations and assumptions, as well as present value calculations, were used by the Company for the purposes of this disclosure.

Cash and cash equivalents. The carrying amounts of cash and short-term instruments approximate fair values.

FHLB stock. It is not practical to determine the fair value of FHLB stock due to restrictions placed on its transferability.

Investment Securities Held-to-Maturity. The fair value of the Company’s investment securities held-to-maturity was primarily measured using information from a third-party pricing service. If quoted prices were not available, fair values were estimated primarily by obtaining quoted prices for similar assets in active markets or through the use of pricing models. In cases where there may be limited or less transparent information provided by the Company’s third-party pricing service, fair value may be estimated by the use of secondary pricing services or through the use of non-binding third-party broker quotes.

35


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 7 - Fair Value Measurements and Fair Value of Financial Instruments – (continued)

Loans. The fair value of the Company’s loans was estimated by discounting the expected future cash flows using the current interest rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. Loans were segregated by types such as commercial, residential and consumer loans. Expected future cash flows were projected based on contractual cash flows, adjusted for estimated prepayments. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price and therefore, while permissible for presentation purposes under ASC 825-10, do not conform to ASC 820-10.

Interest-Bearing Deposits. The fair values of the Company’s interest-bearing deposits were estimated using discounted cash flow analyses. The discounted rates used were based on rates currently offered for deposits with similar remaining maturities. The fair values of the Company’s interest-bearing deposits do not take into consideration the value of the Company’s long-term relationships with depositors, which may have significant value.

Term Borrowings and Subordinated Debentures. The fair value of the Company’s long-term borrowings and subordinated debentures were calculated using a discounted cash flow approach and applying discount rates currently offered based on weighted remaining maturities.

Accrued Interest Receivable/Payable. The carrying amounts of accrued interest approximate fair value resulting in a level 2 or level 3 classification based on the level of the asset or liability with which the accrual is associated.

The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of September 30, 2016 and December 31, 2015.

Fair Value Measurements
Carrying
Amount		 Fair
Value		 Quoted
Prices in
Active
Markets for
Identical
Assets
(Level 1)		 Significant
Other
Observable
Inputs
(Level 2)		 Significant
Unobservable
Inputs
(Level 3)
(in thousands)
September 30, 2016                        
Financial assets
       Cash and cash equivalents $ 233,794 $ 233,794 $ 233,794 $ - $ -
       Investment securities available-for-sale 338,459 338,459 12,768 307,356 18,335
       Restricted investment in bank stocks 24,535 n/a n/a n/a n/a
       Net loans 3,407,861 3,421,539 - -       3,421,539
       Loans held-for-sale 15,112 15,112 - 15,112 -
       Accrued interest receivable 12,497 12,497 - 1,895 10,602
 
Financial liabilities
       Noninterest-bearing deposits 655,683 655,683       655,683 - -
       Interest-bearing deposits       2,613,266       2,601,221 -       2,601,221 -
       Borrowings 481,337 486,503 - 486,503 -
       Subordinated debentures, net 54,490 53,784 - 53,784 -
       Derivatives 1,212 1,212 - 1,212 -
       Accrued interest payable $ 4,600 $ 4,600 $ - $ 4,600 $ -
 
December 31, 2015
Financial assets
       Cash and cash equivalents $ 200,895 $ 200,895 $ 200,895 $ - $ -
       Investment securities available-for-sale 195,770 195,770 18,524 177,246 -
       Investment securities held-to-maturity 224,056 230,558 29,226 182,774 18,558
       Restricted investment in bank stocks 32,612 n/a n/a n/a n/a
       Net loans 3,072,435 3,059,343 - - 3,059,343
       Accrued interest receivable 12,545 12,545 68 2,699 9,778
 
Financial liabilities
       Noninterest-bearing deposits 650,775 650,775   650,775 - -
       Interest-bearing deposits 2,140,191 2,137,149 - 2,137,149 -
       Borrowings 671,587   674,131 -   674,131   -
       Subordinated debentures, net   54,343 55,209 -   55,209 -
       Derivatives 131   131   - 131 -
       Accrued interest payable $ 4,387 $ 4,387 $ - $ 4,387 $ -

36


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 7 - Fair Value Measurements and Fair Value of Financial Instruments – (continued)

The fair value of commitments to originate loans is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair values of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties at the reporting date.

Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values.

The Company’s remaining assets and liabilities, which are not considered financial instruments, have not been valued differently than has been customary with historical cost accounting. No disclosure of the relationship value of the Company’s core deposit base is required by FASB ASC 825-10.

Fair value estimates are based on existing balance sheet financial instruments, without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, there are certain significant assets and liabilities that are not considered financial assets or liabilities, deferred taxes, premises and equipment, and goodwill. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.

Management believes that reasonable comparability between financial institutions may not be likely, due to the wide range of permitted valuation techniques and numerous estimates which must be made, given the absence of active secondary markets for many of the financial instruments. This lack of uniform valuation methodologies also introduces a greater degree of subjectivity to these estimated fair values.

Note 8. Accumulated Other Comprehensive Income/(Loss)

Accumulated other comprehensive loss (net of tax) at September 30, 2016 and December 31, 2015 consisted of the following:

September 30, December 31,
      2016       2015
(in thousands)
Net unrealized gain on investment securities available-for-sale $ 5,332 $ 713
Cash flow hedge (717 ) (77 )
Unamortized component of securities transferred from available-for-sale to held-to-        
       maturity   -     (1,173 )
Defined benefit pension and post-retirement plans            (3,891 )            (4,072 )
       Total accumulated other comprehensive income (loss) $ 724 $ (4,609 )

Note 9. Stock-Based Compensation

The Company maintains two stock-based compensation plans from which new grants could be issued. The Company’s stock-based compensation plans permit Parent Corporation common stock to be issued to key employees and directors of the Company and its subsidiaries. Grants under the existing plans can be in the form of stock options (qualified or non-qualified), restricted shares, or performance units. Shares available for grant and issuance under the existing plans as of September 30, 2016 are 68,516 under the 2009 Equity Incentive Plan and 234,090 shares under the North Jersey Community Bancorp Equity Compensation Plan. The Company intends to issue all shares under these plans in the form of newly issued shares.

Restricted stock and option awards typically have a three-year vesting period starting one year after the date of grant with one-third vesting each year. The options generally expire ten years from the date of grant. Restricted stock awards granted to new employees and board members may be granted with shorter vesting periods. Grants of performance units typically have a cliff vesting after three years. All issuances are subject to forfeiture if the recipient leaves or is terminated prior to the awards vesting. Restricted shares have the same dividend and voting rights as common stock, while options and performance units do not.

All awards are issued at fair value of the underlying shares at the grant date. The Company expenses the cost of the awards, which is determined to be the fair market value of the awards at the date of grant, ratably over the vesting period.

No options were granted during the three and nine months ended September 30, 2016 and 2015.

37


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 9. Stock-Based Compensation – (continued)

During the three months ended September 30, 2016 and 2015 no restricted shares were awarded. The compensation expense related to restricted stock awards during the three and nine months ended September 30, 2016 was $223,000 and $572,000, respectively.

During the nine months ended September 30, 2016 and 2015, the Company granted to various key employees performance unit awards, with each unit entitling the holder to one share of the Company’s common stock contingent upon the Company meeting or exceeding certain return on asset targets over the course of a three-year period commencing on January 1 of the year of issuance. Under the grant agreement, and assuming the Company has met or exceeded the applicable targets, grants of performance unit awards will vest on the third anniversary of the grant date or on an earlier date in the event of a change in control, as defined in the agreements. At September 30, 2016, the specific number of shares related to performance unit awards that were expected to vest was 132,304, determined by actual performance in consideration of the established range of the performance targets, which is consistent with the level of expense currently being recognized over the vesting period. Should this expectation change, additional compensation expense could be recorded in future periods or previously recognized expense could be reversed. The maximum amount of performance unit awards is 181,892 shares. The total amount of compensation cost related to performance unit awards included in salary expense during the quarters ended September 30, 2016 and 2015 was $238,000 and $156,000, respectively. The total amount of compensation cost related to performance unit awards included in salary expense during the nine months ended September 30, 2016 was $698,000 and $258,000, respectively.

Option activity under the Company’s option plans as of September 30, 2016 and changes during the nine months ended September 30, 2016 were as follows:

Weighted-
Average
Weighted- Remaining
Average Contractual
Exercise Term Aggregate
Shares       Price       (In Years)       Intrinsic Value
Outstanding at December 31, 2015 535,906 $ 6.48  
Granted -   -  
Exercised (38,735 ) 6.32
Forfeited/cancelled/expired (45,010 )   10.59    
Outstanding at September 30, 2016     452,161   $ 6.09 2.51 $ 5,412,898
Exercisable at September 30, 2016 448,631 $ 6.02 2.47 $ 4,674,682

The aggregate intrinsic value of outstanding and exercisable options above represents the total pre-tax intrinsic value (the difference between the Company’s closing stock price on September 30 2016 and the exercise price, multiplied by the number of in-the-money options) that would have been received by the option holders had all option holders exercised their options on September 30, 2016. This amount changes based on the fair market value of the Parent Corporation’s stock.

Information related to stock option exercises during 2016:

2016
Intrinsic value of options exercised $        398,890
Cash received from options exercised 244,625
Tax benefit realized from options exercised 53,631
Weighted average fair value of options granted n/a

The aggregate intrinsic value of exercised options above represents the total pre-tax intrinsic value (the difference between the Company’s closing stock price on the date of exercise and the exercise price, multiplied by the number of in-the-money options) of all options that were exercised during the 6 month period ending September 30, 2016. The tax benefit is calculated on any non-qualified options exercised during the period using a 36% tax rate.

38


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 9. Stock-Based Compensation

The below table represents information regarding restricted shares currently outstanding at September 30, 2016:

Weighted-
Average
Nonvested       Grant Date
Shares Fair Value
Nonvested at December 31, 2015 96,902   $ 16.81
Granted 72,920 15.88
Vested (55,648 ) 16.01
Forfeited/cancelled/expired (1,000 )   19.58
Nonvested at September 30, 2016       113,174 $      16.81

As of September 30, 2016, there was $1,249,000 of total unrecognized compensation cost related to nonvested restricted shares granted under the plans. The cost is expected to be recognized over a weighted average period of 23.1 months. No shares vested during the quarter ended September 30, 2016.

A summary of the status of unearned performance unit awards and the change during the period is presented in the table below:

Weighted-
Average
      Grant Date
Units Fair Value
Unearned at December 31, 2015 94,585 $ 19.46
Awarded 59,138 17.01
 
Forfeited (7,447 ) 19.46
Expired -     -
Unearned at September 30, 2016       146,276 $       18.47

At September 30, 2016, compensation cost of $1,671,000 related to nonvested awards not yet recognized is expected to be recognized over a weighted-average period of 1.7 years.

Note 10. Components of Net Periodic Pension Cost

The Company maintained a non-contributory defined benefit pension plan for substantially all of its employees until March 31, 2007, at which time the Company froze the plan. The following table sets forth the net periodic pension cost of the Company’s pension plan for the periods indicated.

Three Months Ended Nine Months Ended
September 30, September 30,
2016       2015       2016       2015
(in thousands)
Interest cost $ 129 $ 127   $ 386     $ 394
Expected return on plan assets   (166 )     (123 )   (457 )   (387 )
Net amortization 101 108   305 324
Recognized settlement loss - 64 - 629
       Net periodic pension cost $ 64 $ 176 $ 234 $ 960
 
       Amortization of actuarial loss $ (204 ) $ (183 ) $ (305 ) $ (1,186 )
 
       Total recognized in other comprehensive income $          (204 ) $          (183 ) $          (305 ) $          (1,186 )
 
Total recognized in net expense and OCI (before tax) $ (140 ) $ (7 ) $ (71 ) $ (226 )

39


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 10. Components of Net Periodic Pension Cost – (continued)

Contributions

The Company contributed $2.0 million to its Pension Trust during the second quarter of 2016. The Company does not plan on contributing additional amounts to the Pension Trust for the remainder of 2016. The trust is established to provide retirement and other benefits for eligible employees and their beneficiaries. No part of the trust assets may be applied to any purpose other than providing benefits under the plan and for defraying expenses of administering the plan and the trust.

Note 11. FHLB and other borrowings

The Company’s FHLB and other borrowings and weighted average interest rates are summarized below:

September 30, 2016 December 31, 2015
Amount       Rate       Amount       Rate
(in thousands)
By type of borrowing:
       FHLB borrowings and other borrowings $ 466,337 1.52 % $ 656,587 1.26 %
       Repurchase agreements (“REPOs”) 15,000 5.95 15,000 5.95
Total borrowings $ 481,337 1.66 $ 671,587 1.37
 
By remaining period to maturity:
       One year or less $       251,337       1.27 % $       270,587       0.64 %
       One to two years   60,000 1.96   171,000 1.56
       Two to three years 105,000 1.69   130,000 1.84
       Three to four years 25,000 1.85 35,000 1.60
       Four to five years 40,000 3.43 65,000   2.82
Total borrowings $ 481,337   1.66 $ 671,587 1.37

The FHLB borrowings are secured by pledges of certain collateral including, but not limited to, U.S. government and agency mortgage-backed securities and a blanket assignment of qualifying first lien mortgage loans, consisting of both residential mortgages and commercial real estate loans.

The Company has entered into agreements under which it has sold securities subject to an obligation to repurchase the same or similar securities. Under these arrangements, the Company may transfer legal control over the assets but still retain effective control through an agreement that both entitles and obligates the Company to repurchase the assets. The obligation to repurchase the securities is reflected as a liability in the Company’s consolidated statement of condition, while the securities underlying the securities sold under agreements to repurchase remain in the respective asset accounts and are delivered to and held as collateral by third party trustees.

Three of the FHLB notes ($2,500,000 and $7,500,000 each due April 2, 2018, and $5,000,000 due July 16, 2018) contain a convertible option which allows the FHLB, at quarterly intervals, to convert the fixed convertible advance into replacement funding for the same or lesser principal based on any advance then offered by the FHLB at its current market rate. The Company has the option to repay these advances, if converted, without penalty. The remaining advances are payable at stated maturity, with a prepayment penalty for fixed rate advances. All FHLB advances are fixed rate while the REPOs are variable rate advances. The advances at September 30, 2016 were collateralized by approximately $1.2 billion of commercial mortgage loans, net of required over-collateralization amounts, under a blanket lien arrangement. At September 30, 2016 the Company had remaining borrowing capacity of approximately at FHLB of approximately $752 million.

40


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 12 – Securities Sold under Agreements to Repurchase

Repurchase agreements are secured borrowings. The Company pledges investment securities to secure those borrowings. Information concerning repurchase agreements is summarized as follows for the periods presented:

September 30, December 31, September 30,
(dollars in thousands)       2016       2015       2015
Average daily balance during the year-to-date $         15,000 $       22,890 $         25,549
Average interest rate during the year-to-date   5.95 %     5.92 %     5.90 %
Maximum month-end balance during the year-to-date $ 15,000   $ 31,000 $ 31,000
Weighted average interest rate during the year-to-date 5.95 % 5.92 % 5.90 %

The table below shows the remaining contractual maturity of agreement by fair value of collateral pledged:

September 30, 2016
Remaining Contractual Maturity of the Agreements
Overnight and Up to 30 Greater Than
(dollars in thousands) Continuous       Days       30-90 Days       90 Days       Total
Repurchase agreements and
repurchase-to-maturity transactions
       U.S. Treasury and agency securities $ - $ - $ - $ - $ -
       Residential mortgage pass-through securities - - - 17,082 17,082
Total Borrowings $ - $ - $ - $       17,082 $       17,082
 
Amounts related to agreements not included in offsetting disclosure in Note 14: $ 2,082
 
December 31, 2015
Remaining Contractual Maturity of the Agreements
Overnight and Up to 30 Greater Than
(dollars in thousands) Continuous Days 30-90 Days 90 Days Total
Repurchase agreements and  
repurchase-to-maturity transactions    
       U.S. Treasury and agency securities $ -   $ - $ -   $ 6,313 $ 6,313
       Residential mortgage pass-through securities -   -     -   12,589   12,589
Total Borrowings $ - $ - $ - $ 18,902 $ 18,902
 
Amounts related to agreements not included in offsetting disclosure in Note 14 $ 3,902

The fair value of securities pledged to secure repurchase agreements may decline. By contractual agreement, the fair value of securities pledged to secure repurchase agreements must meet or exceed the gross outstanding balance by 8%, or be subject to margin calls. Securities sold under agreements to repurchase are secured by securities with a carrying amount of $17.1 million and $18.8 million at September 30, 2016 and December 31, 2015.

Note 13 - Subordinated Debentures

During 2003, the Company formed a statutory business trust, which exists for the exclusive purpose of (i) issuing Trust Securities representing undivided beneficial interests in the assets of the Trust; (ii) investing the gross proceeds of the Trust securities in junior subordinated deferrable interest debentures (subordinated debentures) of the Company; and (iii) engaging in only those activities necessary or incidental thereto. On December 19, 2003, Center Bancorp Statutory Trust II, a statutory business trust and wholly-owned subsidiary of the Parent Corporation issued $5.0 million of MMCapS capital securities to investors due on January 23, 2034. The capital securities presently qualify as Tier I capital. The trust loaned the proceeds of this offering to the Company and received in exchange $5.2 million of the Parent Corporation’s subordinated debentures. The subordinated debentures are redeemable in whole or in part prior to maturity. The floating interest rate on the subordinate debentures is three-month LIBOR plus 2.85% and reprices quarterly. The rate at September 30, 2016 was 3.61%. These subordinated debentures and the related income effects are not eliminated in the consolidated financial statements as the statutory business trust is not consolidated in accordance with FASB ASC 810-10. Distributions on the subordinated debentures owned by the subsidiary trust have been classified as interest expense in the Consolidated Statements of Income.

41


NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 13 - Subordinated Debentures – (continued)

The following table summarizes the mandatory redeemable trust preferred securities of the Company’s Statutory Trust II at September 30, 2016 and December 31, 2015.

      Securities                         Redeemable by
Issuance Date   Issued   Liquidation Value Coupon Rate Maturity Issuer Beginning
12/19/2003   $     5,000,000 $1,000 per Capital   Floating 3-month   01/23/2034   01/23/2009
  Security   LIBOR + 285 Basis        
  Points

During June 2015, the Parent Corporation issued $50 million in aggregate principal amount of fixed-to-floating rate subordinated notes (the “Notes”). The Notes are non-callable for five years, have a stated maturity of July 1, 2025, and bear interest at a fixed rate of 5.75% per year, from and including June 30, 2015 to, but excluding July 1, 2020. From and including July 1, 2020 to the maturity date or early redemption date, the interest rate will reset quarterly to a level equal to the then current three-month LIBOR rate plus 393 basis points. As of September 30, 2016, unamortized costs related to the debt issuance were $665,000.

In connection with the issuance of the Notes, the Parent Corporation obtained ratings from Kroll Bond Rating Agency (“KBRA”). KBRA assigned investment grade ratings of BBB- for the Company’s subordinated debt and a senior deposit rating of BBB+ for the Bank. On August 16, 2016, Kroll reaffirmed our current investment grade.

Note 14 – Offsetting Assets and Liabilities

Certain financial instrument-related assets and liabilities may be eligible for offset on the consolidated statements of condition because they are subject to master netting agreements or similar agreements. However, the Company does not elect to offset such arrangements on the consolidated financial statements. The Company enters into interest rate swap agreements with financial institution counterparties. For additional detail regarding interest rate swap agreements refer to Note 5. In the event of default on, or termination of, any one contract, both parties have the right to net settle multiple contracts. Also, certain interest rate swap agreements may require the Company to receive or pledge cash or financial instrument collateral based on the contract provisions.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 14 – Offsetting Assets and Liabilities – (continued)

The Company also entered into an agreement to sell securities subject to an obligation to repurchase the same or similar securities, referred to as a repurchase agreement. Under this agreement, the Company may transfer legal control over the assets but still retain effective control through an agreement that both entitles and obligates the Company to repurchase the assets. The obligation to repurchase the securities is reflected as a liability in the Company’s consolidated statement of condition, while the securities underlying the repurchase agreements remain in the respective investment securities account, therefore there is no offsetting or netting of the investment securities assets with the repurchase agreement liability. The following table presents information about financial instruments that are eligible for offset as of September 30, 2016 and December 31, 2015:

Gross Amounts Not Offset
Gross Amounts Net Amounts of Cash or
Offset in the Assets Presented in Financial Financial
Gross Amounts Statement of the Statement of Instruments Instrument Net
Recognized       Financial Position       Financial Position       Recognized       Collateral       Amount
(in thousands)
September 30, 2016  
Assets:
       Interest rate swaps $ -   $ - $ - $ - $ - $ -
Liabilities:
       Interest rate swaps $ 1,212 $ - $ 1,212 $ - $ 1,212 $ -
       Repurchase
              agreements 15,000 - 15,000 - 15,000   -
                     Total $ 16,212   $ - $ 16,212 $ - $ 16,212 $ -
December 31, 2015    
Assets:  
       Interest rate swaps $ (179 ) $ - $ -   $ - $ - $ -
Liabilities:    
       Interest rate swaps $ 131 $ - $ 131 $ -   $ 131 $ -
       Repurchase    
              agreements 15,000 - 15,000 - 15,000 -
                     Total $                15,131 $ - $ 15,131 $ - $      15,131 $                -

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(unaudited)

Note 15 – Presentation of Debt Issuance Costs

As of January 1, 2016, the Company adopted Accounting Standards Update (“ASU”) No. 2015-03 “Simplifying the Presentation of Debt Issuance Costs,” which requires that debt issuance costs be presented in the consolidated statement of condition as a direct deduction from the carrying amount of debt liability. This ASU is required to be applied retrospectively to all periods presented. The following table summarizes the impact of retrospective application to the consolidated statement of condition for the year ended December 31, 2015:

December 31,
(dollars in thousands) 2015
Other assets
       As previously reported $ 24,908
       As reported under the new guidance 24,096
 
Total assets
       As previously reported $ 4,016,721
       As reported under the new guidance 4,015,909
 
Subordinated debentures
       As previously reported $ 55,155
       As reported under the new guidance 54,343
 
Total liabilities
       As previously reported $        3,539,377
       As reported under the new guidance 3,538,565

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

The purpose of this analysis is to provide the reader with information relevant to understanding and assessing the Company’s results of operations for the periods presented herein and financial condition as of September 30, 2016 and December 31, 2015. In order to fully understand this analysis, the reader is encouraged to review the consolidated financial statements and accompanying notes thereto appearing elsewhere in this report.

Cautionary Statement Concerning Forward-Looking Statements

This report includes forward-looking statements within the meaning of Sections 27A of the Securities Act of 1933, as amended, and 21E of the Securities Exchange Act of 1934, as amended, that involve inherent risks and uncertainties. This report contains certain forward-looking statements with respect to the financial condition, results of operations, plans, objectives, future performance and business of ConnectOne Bancorp Inc. and its subsidiaries, including statements preceded by, followed by or that include words or phrases such as “believes,” “expects,” “anticipates,” “plans,” “trend,” “objective,” “continue,” “remain,” “pattern” or similar expressions or future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” “may” or similar expressions. There are a number of important factors that could cause future results to differ materially from historical performance and these forward-looking statements. Factors that might cause such a difference include, but are not limited to: (1) competitive pressures among depository institutions may increase significantly; (2) changes in the interest rate environment may reduce interest margins; (3) prepayment speeds, loan origination and sale volumes, charge-offs and loan and lease loss provisions may vary substantially from period to period; (4) general economic conditions may be less favorable than expected; (5) political developments, sovereign debt problems, wars or other hostilities may disrupt or increase volatility in securities markets or other economic conditions; (6) legislative or regulatory changes or actions may adversely affect the businesses in which ConnectOne Bancorp is engaged, including, without limitation, the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 and regulations issued thereunder; (7) changes and trends in the securities markets may adversely impact ConnectOne Bancorp; (8) a delayed or incomplete resolution of regulatory issues could adversely impact planning by ConnectOne Bancorp; (9) the impact on reputation risk created by the developments discussed above on such matters as business generation and retention, funding and liquidity could be significant; and (10) the outcome of regulatory and legal investigations and proceedings may not be anticipated. Further information on other factors that could affect the financial results of ConnectOne Bancorp is included in Item 1a. of ConnectOne Bancorp’s Annual Report on Form 10-K and in ConnectOne Bancorp’s other filings with the Securities and Exchange Commission. These documents are available free of charge at the Commission’s website at http://www.sec.gov and/or from ConnectOne Bancorp, Inc.

Critical Accounting Policies and Estimates

The accounting and reporting policies followed by ConnectOne Bancorp, Inc. and its subsidiaries (collectively, the “Company”) conform, in all material respects, to GAAP. In preparing the consolidated financial statements, management has made estimates, judgments and assumptions that affect the reported amounts of assets and liabilities as of the dates of the consolidated statements of condition and for the periods indicated in the consolidated statements of operations. Actual results could differ significantly from those estimates.

The Company’s accounting policies are fundamental to understanding Management’s Discussion and Analysis (“MD&A”) of financial condition and results of operations. The Company has identified the determination of the allowance for loan and lease losses, the other-than-temporary impairment evaluation of securities, the evaluation of the impairment of goodwill and the evaluation of deferred tax assets to be critical because management must make subjective and/or complex judgments about matters that are inherently uncertain and could be most subject to revision as new information becomes available. Additional information on these policies is provided below.

Allowance for Loan and Lease Losses and Related Provision

The allowance for loan and lease losses represents management’s estimate of probable credit losses inherent in the loan portfolio. Determining the amount of the allowance for loan and lease losses is considered a critical accounting estimate because it requires significant judgment and the use of estimates related to the amount and timing of expected future cash flows on impaired loans, estimated losses on pools of homogeneous loans based on historical loss experience, individual credit situation and consideration of current economic trends and conditions, all of which may be susceptible to significant change. The loan portfolio also represents the largest asset type on the consolidated statements of condition.

The evaluation of the adequacy of the allowance for loan and lease losses includes, among other factors, an analysis of historical loss rates by loan category applied to current loan totals. However, actual loan and lease losses may be higher or lower than historical trends, which vary. Actual losses on specified problem loans, which also are provided for in the evaluation, may vary from estimated loss percentages, which are established based upon a limited number of potential loss classifications.

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The allowance for loan and lease losses is established through a provision for loan and lease losses charged to expense. Management believes that the current allowance for loan and lease losses will be adequate to absorb loan and lease losses on existing loans that may become uncollectible based on the evaluation of known and inherent risks in the loan portfolio. The evaluation takes into consideration such factors as changes in the nature and size of the portfolio, overall portfolio quality, and specific problem loans and current economic conditions which may affect the borrowers’ ability to pay. The evaluation also details historical losses by loan category and the resulting loan and lease loss rates which are projected for current loan total amounts. Loss estimates for specified problem loans are also detailed. All of the factors considered in the analysis of the adequacy of the allowance for loan and lease losses may be subject to change. To the extent actual outcomes differ from management estimates, additional provisions for loan and lease losses may be required that could materially adversely impact earnings in future periods. Additional information can be found in Note 1 of the Notes to Consolidated Financial Statements.

Other-Than-Temporary Impairment of Investment Securities

Investment securities are evaluated on at least a quarterly basis, and more frequently when market conditions warrant such an evaluation, to determine whether a decline in their value is other-than-temporary. FASB ASC 320-10-65 clarifies the interaction of the factors that should be considered when determining whether a debt security is other–than-temporarily impaired. For debt securities, management assesses whether (a) it has the intent to sell the security and (b) it is more likely than not that it will be required to sell the security prior to its anticipated recovery.

In instances when a determination is made that an other-than-temporary impairment exists but the investor does not intend to sell the debt security and it is not more likely than not that it will be required to sell the debt security prior to its anticipated recovery, the other-than-temporary impairment is separated into (a) the amount of the total other-than-temporary impairment related to a decrease in cash flows expected to be collected from the debt security (the credit loss) and (b) the amount of the total other-than-temporary impairment related to all other factors. The amount of the total other-than-temporary impairment related to the credit loss is recognized in earnings. The amount of the total other-than-temporary impairment related to all other factors is recognized in other comprehensive income.

Fair Value of Investment Securities

FASB ASC 820-10-35 clarifies the application of the provisions of FASB ASC 820-10-05 in an inactive market and how an entity would determine fair value in an inactive market. The Company applies the guidance in FASB ASC 820-10-35 when determining fair value for the Company’s private label collateralized mortgage obligations, pooled trust preferred securities and single name corporate trust preferred securities. See Note 8 of the Notes to Consolidated Financial Statements for further discussion.

FASB ASC 820-10-65 provides additional guidance for estimating fair value in accordance with FASB ASC 820-10-05 when the volume and level of activity for the asset or liability have significantly decreased. This ASC also includes guidance on identifying circumstances that indicate a transaction is not orderly.

Goodwill

The Company adopted the provisions of FASB ASC 350-10, which requires that goodwill be reported separate from other intangible assets in the Consolidated Statements of Condition and not be amortized but rather tested for impairment annually or more frequently if impairment indicators arise.

Income Taxes

The objectives of accounting for income taxes are to recognize the amount of taxes payable or refundable for the current year and deferred tax liabilities and assets for the future tax consequences of events that have been recognized in an entity’s financial statements or tax returns. Judgment is required in assessing the future tax consequences of events that have been recognized in the Company’s consolidated financial statements or tax returns.

Fluctuations in the actual outcome of these future tax consequences could impact the Company’s consolidated financial condition or results of operations. Note 12 of the Notes to Consolidated Financial Statements included in the Company’s Form 10-K for the year ended December 31, 2015 includes additional discussion on the accounting for income taxes.

46


Operating Results Overview

Net income available to common stockholders for the three months ended September 30, 2016 amounted to $11.9 million compared to $10.8 million for the comparable three-month period ended September 30, 2015. The Company’s diluted earnings per share were $0.39 for the three months ended September 30, 2016 as compared with diluted earnings per share of $0.36 for the same three months of 2015. The increase in net income available to common stockholders and diluted earnings per share was attributable to an increase in net interest income, an increase in noninterest income (primarily due to an increase in net gains on sales of investment securities) and a decrease in noninterest expense, partially offset by an increase in provision for loan and lease losses.

Net income available to common stockholders for the nine months ended September 30, 2016 amounted to $33.1 million compared to $31.7 million for the comparable nine-month period ended September 30, 2015. The Company’s diluted earnings per share were $1.09 for the nine months ended September 30, 2016 as compared with diluted earnings per share of $1.04 for the first nine months of 2015. The increase in net income available to common stockholders and diluted earnings per share was primarily attributable to an increase in net interest income, partially offset by increases in provision for loan and lease losses and noninterest expenses and a decrease in noninterest income.

Net Interest Income and Margin

Net interest income is the difference between the interest earned on the portfolio of earning assets (principally loans and investments) and the interest paid for deposits and borrowings, which support these assets. Net interest income is presented on a tax-equivalent basis by adjusting tax-exempt income (primarily interest earned on obligations of state and political subdivisions) by the amount of income tax which would have been paid had the assets been invested in taxable issues. Net interest margin is defined as net interest income on a tax-equivalent basis as a percentage of total average interest-earning assets.

Fully taxable equivalent net interest income for the third quarter of 2016 increased by $3.4 million, or 11.1%, from the same quarter of 2015. This was a result of a 17.4% increase in average interest-earning assets due to significant organic loan growth, partially offset by an 18 basis-point contraction of the net interest margin. Included in net interest income was accretion and amortization of purchase accounting adjustments of $1.0 million during the third quarter of 2016 and $1.3 million in the same quarter of 2015. Excluding these purchase accounting adjustments, the current quarter’s adjusted net interest margin was 13 basis points lower than the 2015 third quarter adjusted net interest margin of 3.35%. The reduction in the adjusted net interest margin was due primarily to higher level of cash balances held at the Federal Reserve Bank and an increase in rates paid on deposits.

Fully taxable equivalent net interest income for the nine months ended September 30, 2016 was $98.9 million, an increase of $10.3 million, or 11.6%, from the same period in 2015. This was a result of an 18.2% increase in average interest-earning assets due to significant organic loan growth, partially offset by a 20 basis-point contraction of the net interest margin. Included in net interest income was accretion and amortization of purchase accounting adjustments of $3.6 million for the nine months ended September 30, 2016 and $4.6 million for the same period in 2015. Excluding these purchase accounting adjustments, the adjusted net interest margin was 3.26% for the nine months ended September 30, 2016, 16 basis points lower than the 2015 nine month adjusted net interest margin of 3.42%. The reduction in the adjusted net interest margin was due to a higher level of cash balances held at the Federal Reserve Bank, the September 30, 2015 issuance of $50 million in subordinated debentures, increased costs of attracting and retaining time deposits and the impact of a protracted low-interest rate environment on loan yields.

47


The following tables, “Average Statements of Condition with Interest and Average Rates”, present for the three and nine months ended September 30, 2016 and 2015, the Company’s average assets, liabilities and stockholders’ equity. The Company’s net interest income, net interest spread and net interest margin are also reflected.

Average Statements of Condition with Interest and Average Rates

   Three Months Ended September 30,
2016    2015
   Interest       Interest   
Average Income/ Average Average Income/ Average
Balance Expense Rate (8) Balance Expense Rate (8)
(dollars in thousands)
Interest-earning assets:
       Investment securities (1) (2) $ 406,802 $ 3,293        3.22 % $ 483,677 $ 4,055        3.33 %
       Loans (2) (3) (4)     3,407,278     38,010 4.44     2,863,708 32,446 4.50
Federal funds sold & interest-bearing with banks 202,106 261 0.51 66,867 43 0.26
Restricted investment in bank stock 24,834 352 5.64 26,899 297 4.38
       Total interest-earning assets 4,041,020 41,916 4.13 3,441,151 36,841 4.25
Allowance for loan and lease losses (34,052 ) (18,157 )
Noninterest-earning assets 337,828 306,509
       Total liabilities and stockholders’ equity $ 4,344,796 $ 3,729,503
 
Interest-bearing liabilities:
Money market deposits $ 872,937 $ 1,211 0.55 $ 710,767 $ 794 0.44
Savings deposits 211,162 158 0.30 220,481 146 0.26
Time deposits 1,007,530 3,323 1.31 787,262 2,391 1.20
Other interest-bearing deposits 553,401 467 0.34 352,156 324 0.37
       Total interest-bearing deposits 2,645,030 5,159 0.78 2,070,666 3,655 0.70
 
Borrowings 488,015 2,139 1.74 544,774 1,944 1.42
Subordinated debentures (5) 55,155 814 5.87 2,933 44 5.95
Capital lease obligation 2,814 42 5.94 55,155 816 5.87
       Total interest-bearing liabilities 3,191,014 8,154 1.02 2,673,528 6,459 0.96
 
Demand deposits 640,323 560,129
Other liabilities 18,318 24,164
       Total noninterest-bearing liabilities 658,641     584,293
Stockholders’ equity 495,141 471,682
       Total liabilities and stockholders’ equity $ 4,344,796 $ 3,729,503    
Net interest income (tax equivalent basis) 33,762        30,382
Net interest spread (6)   3.11 % 3.29 %
Net interest margin (7) 3.32 %   3.50 %
Tax equivalent adjustment (738 ) (655 )
Net interest income $ 33,024 $ 29,727

(1) Average balances are based on amortized cost.
(2) Interest income is presented on a tax equivalent basis using 35% federal tax rate.
(3) Includes loan fee income.
(4) Loans include nonaccrual loans.
(5) Amount does not reflect netting of debt issuance costs of $698 and $ - for the three months ended September 30, 2016 and September 30, 2015, respectively.
(6) Represents difference between the average yield on interest-earning assets and the average cost of interest-bearing liabilities and is presented on a tax equivalent basis.
(7) Represents net interest income on a tax equivalent basis divided by average total interest-earning assets.
(8) Rates are annualized.

48


Average Statements of Condition with Interest and Average Rates

   Nine Months Ended September 30,
2016    2015
   Interest       Interest   
Average Income/ Average Average Income/ Average
Balance Expense Rate (8) Balance Expense Rate (8)
(dollars in thousands)
Interest-earning assets:
       Investment securities (1) (2) $ 413,493 $ 10,290 3.32 % $ 496,375 $ 12,442 3.35 %
       Loans (2) (3) (4)      3,310,788      109,959      4.44      2,709,332 92,279 4.55
Federal funds sold & interest-bearing with banks 143,517 541 0.50 65,663 127 0.26
Restricted investment in bank stocks 29,818 1,074 4.81 26,385 797 4.04
       Total interest-earning assets 3,897,616 121,864 4.18 3,297,755      105,645       4.28
Allowance for loan and lease losses (30,412 ) (16,469 )
Noninterest-earning assets 331,544 302,316
       Total liabilities and stockholders’ equity $ 4,198,748 $ 3,583,602
 
Interest-bearing liabilities:
Money market deposits $ 772,981 $ 3,016 0.52 $ 692,919 $ 2,204 0.43
Savings deposits 213,963 471 0.29 220,639 465 0.28
Time deposits 902,017 8,714 1.29 742,037 6,339 1.14
Other interest-bearing deposits 528,841 1,331 0.34 349,626 972 0.37
       Total interest-bearing deposits 2,417,802 13,532 0.75 2,005,221 9,980 0.67
 
Borrowings 603,423 6,908 1.53 548,013 6,022 1.47
Subordinated debentures (5) 55,155 2,436 5.90 2,961 134 6.05
Capital lease obligation 2,844 128 6.01 22,188 904 5.45
       Total interest-bearing liabilities 3,079,224 23,004 1.00 2,578,383 17,040 0.88
 
Demand deposits 610,568 514,936
Other liabilities 21,872 26,917
       Total noninterest-bearing liabilities 632,440 541,853  
Stockholders’ equity 487,084   463,366  
       Total liabilities and stockholders’ equity $ 4,198,748   $ 3,583,602
Net interest income (tax equivalent basis) 98,860 88,605
Net interest spread (6) 3.18 %   3.40 %
Net interest margin (7) 3.39 % 3.59 %
Tax equivalent adjustment (2,122 ) (1,908 )
Net interest income $ 96,738 $ 86,697

(1) Average balances are based on amortized cost.
(2) Interest income is presented on a tax equivalent basis using 35% federal tax rate.
(3) Includes loan fee income.
(4) Loans include nonaccrual loans.
(5) Amount does not reflect netting of debt issuance costs of $746 and $ - for the nine months ended September 30, 2016 and September 30, 2015, respectively.
(6) Represents difference between the average yield on interest-earning assets and the average cost of interest-bearing liabilities and is presented on a tax equivalent basis.
(7) Represents net interest income on a tax equivalent basis divided by average total interest-earning assets.
(8) Rates are annualized.

49


Noninterest Income

Noninterest income totaled $5.6 million in the third quarter of 2016, an increase of $1.8 million from $3.8 million in the comparable prior-year quarter. The increase was primarily due to an increase in net gains on sales of investment securities of $2.1 million and an increase of $0.2 million in income on bank owned life insurance, offset by a decrease of $0.5 million in deposit, loan and other income. Net gains on sales of investment securities were $4.1 million and $2.1 million for the third quarter of 2016 and 2015, respectively.

Noninterest income includes bank-owned life insurance income, deposit and loan fees, annuities and life insurance commissions, and gains on sales of residential mortgages in the secondary market and represents a relatively small portion of the Bank’s total revenue. Although management intends to continue its strategy of de-emphasizing service charges in order to attract new and retain existing clients, it expects fee income to increase modestly in future periods.

Noninterest income totaled $8.3 million for the nine months ended September 30, 2016, a decrease of $0.5 million from $8.8 million in the comparable prior-year period. Included in the prior-year period totals was a $2.2 million insurance recovery related to a wire fraud loss that occurred during the second quarter of 2015. Excluding this insurance recovery, noninterest income increased by $1.8 million when compared to the comparable prior-year period. The increase was primarily due to an increase in net gains on sales of investment securities of $1.4 million and income on bank owned life insurance of $0.7 million, offset by decreases in net gains on sales of loans of $0.1 million and deposit, loan and other income of $0.2 million.

Noninterest Expense

Noninterest expenses for the third quarter of 2016 were $14.6 million, a $1.3 million, or 9.4%, increase from $13.3 million in the third quarter of 2015, and were $43.3 million for the first nine months of 2016, a $2.4 million, or 5.7%, increase from $40.9 million in the first nine months of 2015. Included in the noninterest expense for the third quarter of 2015 and for the first nine months of 2015 was a loss on debt extinguishment of $2.4 million. This loss on debt extinguishment was the result of the Company repaying $16.0 million in principal amount of high cost puttable borrowings. Excluding the loss on debt extinguishment, noninterest expenses increased $1.3 million and $4.7 million in the third quarter of 2016 and for the first nine months of 2016, respectively, from their prior year periods.

The largest factors contributing to the increases (excluding loss on debt extinguishment) were salaries and employee benefits expense, which increased by $0.9 and $2.7 million to $7.8 million and $23.1 million in the third quarter and first nine months of 2016, respectively, and occupancy and equipment expense, which increased by $0.1 and $0.7 million to $2.0 million and $6.5 million in the third quarter and first nine months of 2016, respectively. These increases across both period comparisons were primarily the result of increased levels of business and staff resulting from organic growth.

Income Taxes

Income tax expense was $5.4 and $15.2 million for the three and nine months ended September 30, 2016, respectively, compared with $5.2 and $15.3 million for the three and nine months ended September 30, 2015, respectively. The effective tax rates were 31.5% for both the third quarter and first nine months of 2016, compared with 32.5% for both the third quarter and first nine months of 2015. The effective tax rate for the full year 2016 is expected to remain at approximately 31.5%.

Financial Condition

Loan Portfolio

Commercial lending is the Company’s primary business activity. The Company’s loan portfolio consists of commercial, residential and consumer loans, serving the diverse client base in its market area. The composition of the Company’s portfolio remains relatively constant but can change due to factors such as the economic climate, the level and fluctuations in interest rates, real estate values and employment metrics. Organic growth (i.e., growth other than through mergers and acquisitions) is generated through business development, repeat client requests for new financings, penetration into existing markets and entry into new markets.

The Company seeks to create growth in commercial lending by offering client-focused products, competitive pricing and by capitalizing on the positive trends in its market area. Products offered are designed to meet the financial requirements of the Company’s clients. It is the objective of the Company’s credit policies to diversify the commercial loan portfolio to limit concentrations in any single segment.

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The following table sets forth the composition of our loan portfolio, excluding loans held-for-sale and unearned net origination fees and costs, by type of loan at the periods indicated.

Dollar
September 30, 2016 December 31, 2015 Change
      Amount       %       Amount       %       2016 vs. 2015
(dollars in thousands)
Commercial $ 644,430 18.7 % $ 570,116 18.4 % $ 74,314
Commercial real estate       2,100,804       60.9       1,966,696       63.4           134,108
Commercial construction 471,109 13.7 328,838 10.6 142,271
Residential real estate 229,401 6.6 233,690 7.5 (4,289 )
Consumer 2,879 0.1 2,454 0.1 425
       Gross loans $ 3,448,623 100.0 % $ 3,101,794 100.0 % $ 346,829

At September 30, 2016, total gross loans amounted to $3.4 billion, an increase of $0.3 billion, or 11.2%, as compared to December 31, 2015. Net loan growth was primarily attributable to multi-family ($80 million, including a $28 million loan reclassified during the current quarter as multi-family from other commercial real estate), commercial ($74 million), other commercial real estate ($54 million, excluding the aforementioned reclassification) and commercial construction ($142 million). The increase in commercial construction reflected higher utilization of existing construction facilities. The growth in loans was funded primarily with increases in deposits.

At September 30, 2016, acquired loans remaining in the loan portfolio totaled $0.7 billion, compared to $0.9 billion as of December 31, 2015.

Allowance for Loan and Lease Losses and Related Provision

The purpose of the allowance for loan and lease losses (the “ALLL”) is to establish a valuation allowance for probable incurred losses in the loan portfolio. Additions to the ALLL are made through provisions charged against current operations and through recoveries made on loans previously charged off. The ALLL is maintained at an amount considered adequate by management to provide for probable credit losses inherent in the loan portfolio based upon historical losses and a periodic evaluation of external and portfolio risk factors. In establishing an appropriate ALLL, an assessment of the individual borrowers, a determination of the value of the underlying collateral, a review of historical loss experience and an analysis of the levels and trends of loan categories, delinquencies and problem loans are considered. Such factors as the level and trend of interest rates and current economic conditions and peer group statistics are also reviewed. The Company’s analysis of its ALLL also takes into consideration the potential impact that current trends may have on the Company’s borrower base.

Although management uses the best information available, the level of the allowance for loan and lease losses remains an estimate, which is subject to significant judgment and short-term change. Various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan and lease losses. Such agencies may require the Company to increase the ALLL based on their analysis of information available to them at the time of their examination. Furthermore, the majority of the Company’s loans are secured by real estate in the State of New Jersey. Future adjustments to the ALLL may be necessary due to economic factors impacting New Jersey real estate and the economy in general, as well as operating, regulatory and other conditions beyond the Company’s control.

At September 30, 2016, the allowance was $37.6 million as compared to $26.6 million at December 31, 2015. Provisions to the allowance for the three and nine months ended September 30, 2016 increased to $6.8 million and $13.5 million, respectively, from $4.2 million and $7.6 million for the same periods in 2015. These increases were primarily a result of higher specific reserves for the taxi medallion portfolio, which increased to $5.0 million for the three months ended and $8.3 million for the nine months ended September 30, 2016 from $2.0 million for the three and nine months ended September 30, 2015. See “Asset Quality” for a discussion of the taxi cab medallion portfolio. Partially offsetting the increases in provision for loan losses due to specific taxi medallion reserves was slower growth in the originating (non-acquired) loan portfolio.

There were $1.9 million in net charge-offs during the three months ended September 30, 2016, compared to $122 thousand during the three months ended September 30, 2015. The allowance for loan and lease losses as a percentage of total loans amounted to 1.09% at September 30, 2016 compared to 0.86% at December 31, 2015 and 0.73% at September 30, 2015. The large increase in net-charge-offs during the three months ended September 30, 2016, was primarily attributable to one charge-off of a lease financing receivable for $1.1 million, which had a specific reserve of $1.3 million prior to the charge.

The level of the allowance for the respective periods of 2016 and 2015 reflects the credit quality within the loan portfolio, the loan volume recorded during the periods, the changing composition of the commercial and residential real estate loan portfolios and other related factors. In management’s view, the level of the ALLL at September 30, 2016 is adequate to cover losses inherent in the loan portfolio. Management’s judgment regarding the adequacy of the allowance constitutes a “Forward-Looking Statement” under the Private Securities Litigation Reform Act of 1995. Actual results could differ materially from management’s analysis, based principally upon the factors considered by management in establishing the allowance.

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Changes in the allowance for loan and lease losses are presented in the following table for the periods indicated.

Three Months Ended
September 30,
2016 2015
      (dollars in thousands)
Average loans for the period $       3,407,278       $       2,863,708
Loans receivable at end of period 3,445,476 2,953,381
 
Analysis of the Allowance for loan and lease losses:
Balance - beginning of quarter $ 32,763 $ 17,480
Charge-offs:
              Commercial (1,878 ) -
              Commercial real estate - (124 )
              Residential real estate (27 ) -
              Consumer (5 ) -
       Total charge-offs (1,910 ) (124 )
Recoveries:
              Commercial 1 2
              Commercial real estate 10 -
              Residential real estate - -
              Consumer 1 -
       Total recoveries 12 2
Net charge-offs (1,898 ) (122 )
Provision for loan and lease losses 6,750 4,175
Balance - end of period $ 37,615 $ 21,533
Ratio of annualized net charge-offs during the period to average loans during the period 0.22 % 0.02 %
Allowance for loan and lease losses as a percent of loans receivable 1.09 % 0.73 %
 
Nine Months Ended
September 30,
2016 2015
(dollars in thousands)
Average loans for the period $ 3,310,788 $ 2,630,864
Loans receivable at end of period 3,445,476 2,953,381
 
Analysis of the Allowance for loan and lease losses:
Balance - beginning of year $ 26,572 $ 14,160
Charge-offs:
              Commercial (2,396 ) (100 )
              Commercial real estate - (406 )
              Residential real estate (94 ) -
              Consumer (10 ) (13 )
       Total charge-offs (2,500 ) (519 )
Recoveries:
              Commercial 2 12
              Commercial real estate 35 327
              Residential real estate 3 2
              Consumer 3 1
       Total recoveries 43 342
Net charge-offs (2,457 ) (176 )
Provision for loan and lease losses 13,500 7,550
Balance - end of period $ 37,615 $ 21,533
Ratio of annualized net charge-offs during the period to average loans during the period 0.06 % 0.01 %
Allowance for loan and lease losses as a percent of loans receivable 1.09 % 0.73 %

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Asset Quality

The Company manages asset quality and credit risk by maintaining diversification in its loan portfolio and through review processes that include analysis of credit requests and ongoing examination of outstanding loans, delinquencies, and potential problem loans, with particular attention to portfolio dynamics and mix. The Company strives to identify loans experiencing difficulty early enough to correct the problems, to record charge-offs promptly based on realistic assessments of current collateral values and cash flows, and to maintain an adequate allowance for loan and lease losses at all times.

It is generally the Company’s policy to discontinue interest accruals once a loan is past due as to interest or principal payments for a period of ninety days. When a loan is placed on nonaccrual status, interest accruals cease and uncollected accrued interest is reversed and charged against current income. Payments received on nonaccrual loans are generally applied against principal. A loan may be restored to an accruing basis when all past due amounts have been collected. Loans past due 90 days or more which are both well-secured and in the process of collection may remain on an accrual basis.

Nonperforming assets include nonaccrual loans and other real estate owned. Nonaccrual loans represent loans on which interest accruals have been suspended. In general, it is the policy of management to consider the charge-off of uncollectible amounts of loans at the point they become past due 90 days. Performing troubled debt restructured loans represent loans to borrowers experiencing financial difficulties on which a concession was granted, such as a reduction in interest rate below the current market rate for new debt with similar risks or modified repayment terms, and are performing under the restructured terms.

The following table sets forth, as of the dates indicated, the amount of the Company’s nonaccrual loans, other real estate owned (“OREO”), performing troubled debt restructurings (“TDRs”) and loans past due 90 days and still accruing/accreting:

      September 30,       December 31,
2016 2015
Nonaccrual loans $ 11,493 $ 20,737
OREO 626 2,549
Total nonperforming assets $ 12,119 $        23,286
 
Performing TDRs $        105,338 $ 85,925
Loans past due 90 days and still
       accreting income (PCI) 5,197 -
Loans past due 90 days and still
       accruing income (Non-PCI) $ - $ -
 
Nonaccrual loans to total loans
       receivable 0.33 % 0.67 %
Nonperforming assets to total assets 0.28 % 0.58 %
Nonperforming assets, performing TDRs,
       and loans past due 90 days and still
       accruing/accreting to total loans
       receivable 3.56 % 3.52 %

The increase in TDRs was primarily due to 14 loans secured by 25 New York City taxi medallions totaling $17.3 million. These loan modifications included interest rate reductions and maturity extensions. All 14 loans were accruing prior to modification, while 13 remained in accrual status post-modification.

As of September 30, 2016, loans secured by New York City taxi medallions totaled $102.7 million. Troubled debt restructurings associated with this portfolio totaled $95.2 million and total nonaccrual loans were $3.7 million at quarter-end. Troubled debt restructurings increased by $7.2 million from the second quarter of 2016, while nonaccrual loans decreased by $0.2 million, resulting from partial charge-offs. Specific reserves for taxi medallion loans totaled $12.5 million, or 12.2%, of total taxi medallion portfolio. The Bank’s valuation of a New York City corporate medallion, which are applicable to approximately 95% of total exposure, was approximately $700 thousand as of September 30, 2016, down from approximately $750 thousand as of June 30, 2016.

The $12.5 million in specific allocations referenced above were calculated based on the present value of estimated cash flows, including contractual debt interest service through maturity, and principal repayments based on the estimated fair value of the collateral excluding any consideration for personal guarantees of borrowers, which provide an additional source of repayment but cannot be relied upon. Since December 31, 2015, an additional $8.3 million specific allocation was required for the nine months ended September 30, 2016 due to a decline in the Company’s estimated valuation of taxi medallions from December 31, 2015, when the specific allocation was $4.5 million.

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Investment Portfolio

At September 30, 2016, the principal components of the investment securities portfolio were federal agency obligations, mortgage-backed securities, obligations of U.S. states and political subdivisions, corporate bonds and notes, trust preferred securities, asset backed securities and equity securities.

Transfers of debt securities from the held-to-maturity category to the available-for-sale category are made at fair value at the date of transfer. The unrealized holding gain or loss at the date of the transfer shall be recognized in accumulated other comprehensive income, net of applicable taxes. During the quarter ended September 30, 2016 the Company transferred all securities previously categorized as held-to-maturity to available-for-sale classification. The transfer resulted in an increase of approximately $210 million in amortized cost basis of securities and resulted in a net increase to accumulated other comprehensive income of $7.4 million, net of tax. This transfer will enhance liquidity and increase flexibility with regard to asset-liability management and balance sheet composition.

During the nine months ended September 30, 2016, approximately $85.3 million in investment securities were sold from the available-for-sale portfolio resulting in a net gain on sales of securities of $4.2 million. The cash flow from the investment securities will be primarily used to fund loan growth and purchase new securities.

For the three months ended September 30, 2016, average investment securities decreased $76.8 million to approximately $406.8 million, or 10.1% of average interest-earning assets, from $483.7 million on average, or 14.1% of average interest-earning assets, for the comparable period in 2015. For the nine months ended September 30, 2016, average investment securities decreased $86.0 million to approximately $413.5 million, or 10.6% of average interest-earning assets, from $496.4 million on average, or 15.1% of average interest-earning assets, for the comparable period in 2015. The reduction in average balances for each of the respective periods was a result of total sales, maturities, calls and prepayments of securities for the nine months ended September 30, 2015 which totaled $112.6 million. In the same period for 2015, this was offset by approximately $52.3 million in new securities purchases with the remaining cash flow primarily utilized to fund new loan originations. For the nine months ended September 30, 2016 total sales, maturities, calls and prepayments of securities $209.5 million offset by securities purchases of $115.8 million.

At September 30, 2016, net unrealized gains on investment securities available-for-sale, which are carried as a component of accumulated other comprehensive income and included in stockholders’ equity, net of tax, amounted to $5.3 million as compared with net unrealized gains of $0.7 million at December 31, 2015. The increase in unrealized gains is predominately attributable to the aforementioned reclassification of securities previously classified as held-to-maturity to available-for-sale. The gross unrealized losses associated with agency securities and federal agency obligations, mortgage-backed securities, corporate bonds and tax-exempt securities are not considered to be other-than-temporary because their unrealized losses are related to changes in interest rates and do not affect the expected cash flows of the underlying collateral or issuer.

Interest Rate Sensitivity Analysis

The principal objective of our asset and liability management function is to evaluate the interest-rate risk included in certain balance sheet accounts; determine the level of risk appropriate given our business focus, operating environment, and capital and liquidity requirements; establish prudent asset concentration guidelines; and manage the risk consistent with Board approved guidelines. We seek to reduce the vulnerability of our operations to changes in interest rates, and actions in this regard are taken under the guidance of the Bank’s Asset Liability Committee (the “ALCO”). The ALCO generally reviews our liquidity, cash flow needs, maturities of investments, deposits and borrowings, and current market conditions and interest rates.

We currently utilize net interest income simulation and economic value of equity (“EVE”) models to measure the potential impact to the Bank of future changes in interest rates. As of September 30, 2016 and December 31, 2015 the results of the models were within guidelines prescribed by our Board of Directors. If model results were to fall outside prescribed ranges, action, including additional monitoring and reporting to the Board, would be required by the ALCO and Bank’s management.

The net interest income simulation model attempts to measure the change in net interest income over the next one-year period, and over the next three-year period on a cumulative basis, assuming certain changes in the general level of interest rates.

Based on our model, which was run as of September 30, 2016, we estimated that over the next one-year period a 200 basis-point instantaneous increase in the general level of interest rates would increase our net interest income by 8.38%, while a 100 basis-point instantaneous decrease in interest rates would decrease net interest income by 4.19%. As of December 31, 2015, we estimated that over the next one-year period, a 200 basis-point instantaneous increase in the general level of interest rates would increase our net interest income by 5.65%, while a 100 basis-point instantaneous decrease in the general level of interest rates would decrease our net interest income by 3.62%.

Based on our model, which was run as of September 30, 2016, we estimated that over the next three years, on a cumulative basis, a 200 basis-point instantaneous increase in the general level of interest rates would increase our net interest income by 8.44%, while a 100 basis-point instantaneous decrease in interest rates would decrease net interest income by 5.28%. As of December 31, 2015, we estimated that over the next three years, on a cumulative basis, a 200 basis-point instantaneous increase in the general level of interest rates would increase our net interest income by 6.66%, while a 100 basis-point instantaneous decrease in interest rates would decrease net interest income by 5.59%.

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An EVE analysis is also used to dynamically model the present value of asset and liability cash flows with instantaneous rate shocks of up 200 basis points and down 100 basis points. The economic value of equity is likely to be different as interest rates change. Our EVE as of September 30, 2016, would decline by 8.56% with an instantaneous rate shock of up 200 basis points, and increase by 5.12% with an instantaneous rate shock of down 100 basis points. Our EVE as of December 31, 2015, would decline by 9.65% with an instantaneous rate shock of up 200 basis points, and increase by 8.20% with an instantaneous rate shock of down 100 basis points.

Interest
Interest Rates       Estimated       Estimated Change in EVE Rates Estimated Estimated Change in NII
(basis points) EVE Amount       %         (basis points)       NII       Amount        %  
+300 $       384,052 $       (58,257 )         (13.2 )%   +300 $       142,524 $       15,617       12.3 %
+200 404,447 (37,862 ) (8.6 ) +200 137,538 10,631 8.4
+100 422,495 (19,814 ) (4.5 ) +100 132,087 5,180 4.1  
0 442,309 - 0.0 0 126,907 -   0.0
-100 464,952 22,643 5.1 -100 121,588 (5,319 ) (4.2 )

Estimates of Fair Value

The estimation of fair value is significant to a number of the Company’s assets, including loans held-for-sale and investment securities available-for-sale. These are all recorded at either fair value or the lower of cost or fair value. Fair values are volatile and may be influenced by a number of factors. Circumstances that could cause estimates of the fair value of certain assets and liabilities to change include a change in prepayment speeds, discount rates, or market interest rates. Fair values for most available-for-sale investment securities are based on quoted market prices. If quoted market prices are not available, fair values are based on judgments regarding future expected loss experience, current economic condition risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature, involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

Impact of Inflation and Changing Prices

The consolidated financial statements and notes thereto presented elsewhere herein have been prepared in accordance with GAAP, which require the measurement of financial position and operating results in terms of historical dollars without considering the change in the relative purchasing power of money over time due to inflation. The impact of inflation is reflected in the increased cost of operations; unlike most industrial companies, nearly all of the Company’s assets and liabilities are monetary. As a result, interest rates have a greater impact on performance than do the effects of general levels of inflation. Interest rates do not necessarily move in the same direction or to the same extent as the prices of goods and services.

Liquidity

Liquidity is a measure of a bank’s ability to fund loans, withdrawals or maturities of deposits, and other cash outflows in a cost-effective manner. Our principal sources of funds are deposits, scheduled amortization and prepayments of loan principal, maturities of investment securities, and funds provided by operations. While scheduled loan payments and maturing investments are relatively predictable sources of funds, deposit flow and loan prepayments are greatly influenced by general interest rates, economic conditions and competition.

At September 30, 2016, the amount of liquid assets remained at a level management deemed adequate to ensure that, on a short and long-term basis, contractual liabilities, depositors’ withdrawal requirements, and other operational and client credit needs could be satisfied. As of September 30, 2016, liquid assets (cash and due from banks, interest-bearing deposits with banks and unencumbered investment securities) were $466.7 million, which represented 10.8% of total assets and 12.3% of total deposits and borrowings, compared to $466.5 million at December 31, 2015, which represented 11.6% of total assets and 13.3% of total deposits and borrowings on such date. The decrease in the current period was mainly attributable to a reduction in cash balances of $40.7 million at September 30, 2016 from December 31, 2015.

The Bank is a member of the Federal Home Loan Bank of New York and, based on available qualified collateral as of September 30, 2016, had the ability to borrow $1.6 billion. In addition, at September 30, 2016, the Bank had in place borrowing capacity of $37 million through correspondent banks. The Bank also has a credit facility established with the Federal Reserve Bank of New York for direct discount window borrowings with capacity based on pledged collateral of $16.8 million. At September 30, 2016, the Bank had aggregate available and unused credit of $805.8 million, which represents the aforementioned facilities totaling $1.3 billion net of $466 million in outstanding borrowings. At September 30, 2016, outstanding commitments for the Bank to extend credit were $581 million.

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Cash and cash equivalents totaled $233.8 million at September 30, 2016, increasing by $32.9 million from $200.9 million at December 31, 2015. Operating activities provided $36.6 million in net cash. Investing activities used $274.0 million in net cash, primarily reflecting an increase in loans. Financing activities provided $270.3 million in net cash, primarily reflecting a net increase of $478.1 million in deposits, a redemption of $11.3 million of preferred stock, and a net decrease of $190.0 million in borrowings (consisting of $375.0 million in new borrowings offset by repayments of $565.0 million).

Deposits

Total deposits increased by $478 million, or 17.1%, to $3.3 billion at September 30, 2016, primarily attributable to increases in time, interest-bearing demand, noninterest-bearing demand and money market deposits, and partially offset by a modest decreases in savings. The following table sets forth the composition of our deposit base by the periods indicated.

      Dollar
September 30, 2016       December 31, 2015       Change
Amount     %   Amount       % 2016 vs. 2015
(dollars in thousands)
Demand, noninterest-bearing $ 655,683 20.1 % $ 650,775 23.3 % $ 4,908
Demand, interest-bearing & NOW 531,500 16.2 490,380 17.6 41,120
Money market 866,710 26.5 658,695 23.6 208,015
Savings 207,717 6.4 216,399 7.8 (8,682 )
Time 1,007,339 30.8 774,717 27.7 232,622
Total deposits $       3,268,949       100.0 % $       2,790,966       100.0 % $         477,983

Subordinated Debentures

During December 2003, Center Bancorp Statutory Trust II, a statutory business trust and wholly-owned subsidiary of the Parent Corporation issued $5.0 million of MMCapS capital securities to investors due on January 23, 2034. The trust loaned the proceeds of this offering to the Company and received in exchange $5.2 million of the Parent Corporation’s subordinated debentures. The subordinated debentures are redeemable in whole or part. The floating interest rate on the subordinated debentures is three-month LIBOR plus 2.85% and reprices quarterly. The rate at September 30, 2016 was 3.61%.

During June 2015, the Parent Corporation issued $50 million in aggregate principal amount of fixed-to-floating rate subordinated notes (the “Notes”) to certain institutional accredited investors. The net proceeds from the sale of the Notes were used by the Parent Corporation to contribute $35.0 million of common equity to the Bank on June 30, 2015, and to repay $11.25 million of SBLF preferred issued to the U.S. Treasury on March 11, 2016. Remaining funds will be used for general corporate purposes. The Notes are non-callable for five years, have a stated maturity of July 1, 2025, and bear interest at a fixed rate of 5.75% per year, from and including September 30, 2015 to, but excluding July 1, 2020. From and including July 1, 2020 to the maturity date or early redemption date, the interest rate will reset quarterly to a level equal to the then current three-month LIBOR rate plus 393 basis points.

Stockholders’ Equity

The Company’s stockholders’ equity was $500 million at September 30, 2016, an increase of $22 million from December 31, 2015. The increase in stockholders’ equity was primarily attributable to an increase of $26 million in retained earnings, approximately $2 million of equity issuance related to stock-based compensation, including the exercise of stock options, and an increase in accumulated other comprehensive income of $5 million, offset by an $11 million payoff of SBLF preferred stock. As of September 30, 2016, the Company’s tangible common equity ratio and tangible book value per share were 8.39% and $11.60, respectively. As of December 31, 2015, the tangible common equity ratio and tangible book value per share were 8.18% and $10.51, respectively. Total goodwill and other intangible assets were approximately $149 million and $150 million as of September 30, 2016 and December 31, 2015, respectively.

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Tangible book value per share is a non-GAAP financial measure and represents tangible stockholders’ equity (or tangible book value) calculated on a per common share basis. The Company believes that a disclosure of tangible book value per share may be helpful for those investors who seek to evaluate the Company’s book value per share without giving effect to goodwill and other intangible assets. The following table presents a reconciliation of total book value per share to tangible book value per share as of September 30, 2016 and December 31, 2015.

September 30, December 31,
2016       2015
(in thousands, except for share data)
Stockholders’ equity $       499,588 $       477,344
Less: Preferred stock   - 11,250
Less: Goodwill and other intangible assets 149,190   149,817
       Tangible common stockholders’ equity $ 350,398 $ 316,277
 
Common stock outstanding at period end 30,197,318 30,085,663
 
Book value per common share $ 16.54 $ 15.49
Less: Goodwill and other intangible assets 4.94 4.98
       Tangible book value per common share $ 11.60 $ 10.51

Regulatory Capital and Capital Adequacy

The maintenance of a solid capital foundation is a primary goal for the Company. Accordingly, capital plans and dividend policies are monitored on an ongoing basis. The Company’s objective with respect to the capital planning process is to effectively balance the retention of capital to support future growth with the goal of providing stockholders with an attractive long-term return on their investment.

The Company and the Bank are subject to regulatory guidelines establishing minimum capital standards that involve quantitative measures of assets, and certain off-balance sheet items, as risk-adjusted assets under regulatory accounting practices.

The following is a summary of regulatory capital amounts and ratios as of September 30, 2016 for the Company and the Bank, compared with minimum capital adequacy requirements and the regulatory requirements for classification as a well-capitalized depository institution (dollars in thousands).

To Be Well-Capitalized Under
For Capital Adequacy Prompt Corrective Action
ConnectOne Bancorp, Inc. Purposes Provisions
At September 30, 2016        Amount        Ratio        Amount        Ratio        Amount        Ratio
(dollars in thousands)
Tier 1 leverage capital $       356,141   8.49 % $       167,877 4.00 % N/A   N/A
CET I risk-based ratio 350,986 9.25 170,815 4.50 N/A N/A
Tier 1 risk-based capital 356,141 9.38 227,753 6.00 N/A N/A
Total risk-based capital 443,756 11.69 303,671 8.00 N/A N/A
 
To Be Well-Capitalized Under
For Capital Adequacy Prompt Corrective Action
ConnectOne Bank Purposes Provisions
At September 30, 2016 Amount Ratio Amount Ratio Amount Ratio
(dollars in thousands)
Tier 1 leverage capital $ 401,385 9.57 % $ 167,807 4.00 % $       209,759 5.00 %
CET I risk-based ratio 401,385 10.58 170,787 4.50 246,692 6.50
Tier 1 risk-based capital 401,385 10.58 227,715 6.00 303,621 8.00
Total risk-based capital 439,000            11.57 303,621            8.00 379,526            10.00

N/A - not applicable

As of September 30, 2016, management believes that each of the Bank and the Company meet all capital adequacy requirements to which they are subject.

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The new Basel III rules require a “capital conservation buffer,” for both the Company and the Bank. When fully phased in on January 1, 2019, each of the Company and the Bank will be required to maintain a 2.5% capital conservation buffer, above and beyond the capital levels otherwise required under applicable regulation. The implementation of this capital conservation buffer began on January 1, 2016 at a level of 0.625%, and will increase by 0.625% on each subsequent January 1 until it reaches 2.5% on January 1, 2019. Under this guidance banking institutions with a CET1, Tier 1 Capital Ratio and Total Risk Based Capital Ratio above the minimum regulatory adequate capital ratios but below the capital conservation buffer will face constraints on their ability to pay dividends, repurchase equity and pay discretionary bonuses to executive officers, based on the amount of the shortfall.

As of September 30, 2016 both the Company and Bank satisfy the capital conservation buffer requirements applicable to them. The lowest ratio at the Company is the Tier 1 Capital Ratio which was 2.757% above the minimum buffer ratio and, at the Bank, the lowest ratio was the Total Risk Based Capital Ratio which was 2.942% above the minimum buffer ratio.

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Item 3. Qualitative and Quantitative Disclosures about Market Risks

Market Risk

Interest rate risk management is our primary market risk. See "Item 2- Management's Discussion and Analysis of Financial Condition and Results of Operation- Interest Rate Sensitivity Analysis" herein for a discussion of our management of our interest rate risk.

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Item 4. Controls and Procedures

a) Disclosure controls and procedures. As of the end of the Company’s most recently completed fiscal quarter covered by this report, the Company carried out an evaluation, with the participation of the Company’s management, including the Company’s Chief Executive Officer and Chief Financial Officer, of the effectiveness of the Company’s disclosure controls and procedures pursuant to Securities Exchange Act Rule 13a-15. Based upon that evaluation, the Company’s Chief Executive Officer and Chief Financial Officer concluded that, the Company’s disclosure controls and procedures are not effective in ensuring that information required to be disclosed by the Company in the reports that it files or submits under the Securities Exchange Act is recorded, processed, summarized and reported, within the time periods specified in the SEC’s rules and forms and are operating in an effective manner and that such information is accumulated and communicated to management, including the Company’s Chief Executive Officer and Chief Financial Officer, as appropriate to allow timely decisions regarding required disclosure.

In the course of business, and from time to time, the Company modifies loans at the request of borrowers. Modifications that involve borrowers experiencing financial difficulties and that result in concessions regarding loan terms including reduced interest rates, deferral of principal and extension of maturities can be deemed troubled debt restructurings. We recently identified material weaknesses in our controls over the identification and measurement of troubled debt restructurings in our taxi medallion portfolio, which, due to loan size and structure, is underwritten using market and industry data, and did not contain individual loan information required to accurately assess whether or not a modification should be deemed a TDR and the measurement of impairment for such TDRs. Upon completion of the review, it was determined that $75.4 million carrying value of taxi medallion loans, which were originally deemed to not be TDRs, should have been deemed TDRs when they were modified in April 2015.

b) Changes in internal controls over financial reporting. When the material weaknesses were identified, we enhanced our internal controls concerning identification of all TDRs by (i) strengthening our policies and procedures, including requirements that we obtain and analyze current information on each individual borrower and (ii) enhancing oversight, monitoring and approval authorities, before agreeing to any modification of a borrower’s loan. We also enhanced our internal controls concerning measurement of TDR impairment with regard to taxi medallion loans, including engaging a third-party firm specializing in financial valuation analysis. Despite these control enhancements, we cannot assert as of September 30, 2016 that our material weaknesses have been fully remediated, due to insufficient time to fully test these controls.

Other than as discussed above, there have been no changes in the Company’s internal controls over financial reporting that occurred during the Company’s last fiscal quarter to which this report relates that have materially affected, or are reasonable likely to materially affect, the Company’s internal control over financial reporting.

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PART II - OTHER INFORMATION

Item 1. Legal Proceedings

The Company is not subject to any legal proceedings, which could have a materially adverse impact on its results of operations and financial condition.

Item 1a. Risk Factors

There have been no changes to the risks inherent in our business from those described under Item 1A – Risk Factors of our Annual Report on Form 10-K.

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

Not applicable

Item 3. Defaults Upon Senior Securities

Not applicable

Item 4. Mine Safety Disclosures

Not applicable

Item 5. Other Information

Not applicable

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Item 6. Exhibits

Exhibit No.       Description
31.1 Certification of the Chief Executive Officer of the Parent Corporation Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
31.2   Certification of the Chief Financial Officer of the Parent Corporation Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
32.1 Certification of the Chief Executive Officer of the Parent Corporation Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
32.2 Certification of the Chief Financial Officer of the Parent Corporation Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
101.INS XBRL Instance Document
101.SCH XBRL Taxonomy Extension Schema Document
101.CAL XBRL Taxonomy Extension Calculation Linkbase Document
101.DEF Definition Taxonomy Extension Linkbase Document
101.LAB XBRL Taxonomy Extension Label Linkbase Document
101.PRE XBRL Taxonomy Extension Presentation Linkbase Document

63


SIGNATURES

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

CONNECTONE BANCORP, INC.
(Registrant)

By:     /s/ Frank Sorrentino III       By:     /s/ William S. Burns
Frank Sorrentino III   William S. Burns
Chairman and Chief Executive Officer Executive Vice President and Chief Financial Officer
 
Date: November 7, 2016 Date: November 7, 2016

64

EX-31.1 2 connectone3145151-ex311.htm CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER OF THE PARENT CORPORATION

EXHIBIT 31.1

CERTIFICATION

I, Frank Sorrentino III, certify that:

1. I have reviewed this quarterly report on Form 10-Q of ConnectOne Bancorp, Inc.;

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

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

4. The Registrant’s other certifying officer(s) 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 me by others within those entities, particularly during the period in which this report is being prepared;

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

c) evaluated the effectiveness of the Registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

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

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 the Registrant’s board of directors (or persons performing the equivalent functions):

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

b) any fraud, whether or not material, that involves management or other employees who have a significant role in the Registrant's internal control over financial reporting.

Date: November 7, 2016 /s/ Frank Sorrentino III
Frank Sorrentino III
Chairman and Chief Executive Officer

65

EX-31.2 3 connectone3145151-ex312.htm CERTIFICATION OF THE CHIEF FINANCIAL OFFICER OF THE PARENT CORPORATION

EXHIBIT 31.2

CERTIFICATION

I, William S. Burns, certify that:

1. I have reviewed this quarterly report on Form 10-Q of ConnectOne Bancorp, Inc.;

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

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

4. The Registrant’s other certifying officer(s) 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 me by others within those entities, particularly during the period in which this report is being prepared;

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

c) evaluated the effectiveness of the Registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

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

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 the Registrant’s board of directors (or persons performing the equivalent functions):

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

b) any fraud, whether or not material, that involves management or other employees who have a significant role in the Registrant's internal control over financial reporting.

Date: November 7, 2016 /s/ William S. Burns
William S. Burns
Executive Vice President and Chief Financial Officer

66

EX-32.1 4 connectone3145151-ex321.htm CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER OF THE PARENT CORPORATION

EXHIBIT 32.1

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

In connection with this Quarterly Report of ConnectOne Bancorp, Inc. (the “Company”) on Form 10-Q for the quarter ended September 30, 2016 filed with the Securities and Exchange Commission (the “Report”), I, Frank Sorrentino III, Chairman and Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to my knowledge:

1. The Report fully complies with the requirements of Section 13 (a) of the Securities Exchange Act of 1934; and

2. The information contained in the Report fairly presents, in all material respects, the consolidated financial condition of the Company as of the dates presented and the consolidated results of operations of the Company for the periods presented.

Date: November 7, 2016 /s/ Frank Sorrentino III
Frank Sorrentino III
Chairman and Chief Executive Officer

67

EX-32.2 5 connectone3145151-ex322.htm CERTIFICATION OF THE CHIEF FINANCIAL OFFICER OF THE PARENT CORPORATION

EXHIBIT 32.2

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

In connection with this Quarterly Report of ConnectOne Bancorp, Inc. (the “Company”) on Form 10-Q for the quarter ended September 30, 2016 filed with the Securities and Exchange Commission (the “Report”), I, William S. Burns, Executive Vice President and Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to my knowledge:

1. The Report fully complies with the requirements of Section 13 (a) of the Securities Exchange Act of 1934; and

2. The information contained in the Report fairly presents, in all material respects, the consolidated financial condition of the Company as of the dates presented and the consolidated results of operations of the Company for the periods presented.

Date: November 7, 2016 /s/ William S. Burns
William S. Burns
Executive Vice President and Chief Financial Officer

68

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47064000 609624000 7048000 72524000 634000 82217000 680264000 10904000 92775000 718000 124000 44000 83000 132000 <p style="text-align: left"><b><font style="font: x-small Times New Roman">Note 1. Nature of Operations and Principles of Consolidation</font></b><font style="font: x-small Times New Roman"> </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">The consolidated financial statements of ConnectOne Bancorp, Inc. (the &#147;Parent Corporation&#148;) are prepared on an accrual basis and include the accounts of the Parent Corporation and its wholly-owned subsidiary, ConnectOne Bank (the &#147;Bank&#148; and, collectively with the Parent Corporation and the Parent Corporation&#146;s other direct and indirect subsidiaries, the &#147;Company&#148;). All significant intercompany accounts and transactions have been eliminated from the accompanying consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">The Bank is a community-based, full-service New Jersey-chartered commercial bank that was founded in 2005. The Bank operates from its headquarters located at 301 Sylvan Avenue in the Borough of Englewood Cliffs, Bergen County, New Jersey and through its twenty other banking offices. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate or are expected to be paid from cash flow of business operations. Commercial loans are expected to be repaid from cash flow from business operations. There are no significant concentrations of loans to any one industry or client. However, the clients&#146; ability to repay their loans is dependent on the cash flows, real estate and general economic conditions in the area.</font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">The preceding unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (&#147;GAAP&#148;) for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X, and, accordingly, do not include all of the information and footnotes required by GAAP for complete financial statements. However, in the opinion of management, all adjustments (consisting only of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the three months ended September 30, 2016 are not necessarily indicative of the results that may be expected for the full year ending December 31, 2016, or for any other interim period. The Company&#146;s 2015 Annual Report on Form 10-K should be read in conjunction with these consolidated financial statements.</font><font style="font: x-small Times New Roman"> </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">In preparing the consolidated financial statements, management has made estimates and assumptions that affect the reported amounts of assets and liabilities as of the dates of the consolidated statements of condition and that affect the results of operations for the periods presented. Actual results could differ significantly from those estimates.</font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">The consolidated financial statements have been prepared in conformity with GAAP. Some items in the prior year consolidated financial statements were reclassified to conform to current presentation. Reclassifications had no effect on prior year net income or stockholders&#146; equity.</font></p> <div><p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">The following tables present information related to the Company&#146;s investment securities at September 30, 2016 and December 31, 2015 (dollars in thousands): </font></p> <div align="center"> <table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 80%"> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 79%"></td> <td nowrap="nowrap" style="border-top: #000000 1pt solid; text-align: center; width: 1%"></td> <td nowrap="nowrap" style="border-top: #000000 1pt solid; text-align: center; width: 3%"></td> <td nowrap="nowrap" style="border-top: #000000 1pt solid; text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-top: #000000 1pt solid; text-align: center; width: 4%"><font style="font: x-small Times New Roman">Gross</font></td> <td nowrap="nowrap" style="border-top: #000000 1pt solid; 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The unrealized loss in equity securities consists of losses on other bank equities. The decline in fair value is due in large part to the lack of an active trading market for these securities, changes in market credit spreads and rating agency downgrades. Management concluded that these securities were not other-than-temporarily impaired at September 30, 2016. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">In determining whether or not securities are OTTI, the Company must exercise considerable judgment. Accordingly, there can be no assurance that the actual results will not differ from the Company&#146;s judgments and that such differences may not require the future recognition of other-than-temporary impairment charges that could have a material effect on the Company&#146;s financial position and results of operations. In addition, the value of, and the realization of any loss on, an investment security is subject to numerous risks as cited above. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">The following tables indicate gross unrealized losses not recognized in income and fair value, aggregated by investment category and the length of time individual securities have been in a continuous unrealized loss position at September 30, 2016 and December 31, 2015: </font></p> <table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"></td> <td nowrap="nowrap" colspan="20" style="border-bottom: #000000 1pt solid; text-align: center; width: 26%"><font style="font: x-small Times New Roman">September 30, 2016</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"></td> <td nowrap="nowrap" colspan="6" style="border-bottom: #000000 1pt solid; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr> <td colspan="21" style="width: 100%; background-color: #cceeff">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">Federal agency obligation</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,685</font></td> <td nowrap="nowrap" style="text-align: left; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr> <td colspan="21" style="width: 100%; background-color: #cceeff">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">Federal agency obligation</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">12,260</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(58</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">12,013</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(54</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">247</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(4</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%; background-color: #cceeff"><font style="font: x-small Times New Roman">Residential mortgage</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%; background-color: #cceeff"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;pass-through securities</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">9,027</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(48</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">9,027</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(48</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">Commercial mortgage-backed</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;securities</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,971</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(9</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,971</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(9</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%; background-color: #cceeff"><font style="font: x-small Times New Roman">Trust preferred securities</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,345</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(231</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,345</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(231</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">Corporate bonds and notes</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">16,533</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(292</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">12,702</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(161</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,831</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(131</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%; background-color: #cceeff"><font style="font: x-small Times New Roman">Asset-backed securities</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">14,745</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(298</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">11,250</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(188</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">3,495</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(110</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">Certificates of deposit</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">215</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(8</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">215</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(8</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%; background-color: #cceeff"><font style="font: x-small Times New Roman">Equity securities</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">123</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(23</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">123</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(23</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">Other securities</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">5,347</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">(153</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">5,347</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">(153</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%; background-color: #cceeff"><font style="font: x-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; 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width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;<u>Held-to-Maturity:</u></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr> <td colspan="21" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; 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width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;pass-through securities</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; 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width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial mortgage-backed</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; 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width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;and political subdivisions</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">981</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%">&#160;</td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(3</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; 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width: 80%"></td> <td nowrap="nowrap" style="width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: x-small Times New Roman">Prices</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 80%"></td> <td nowrap="nowrap" style="width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: x-small Times New Roman">in Active</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: x-small Times New Roman">Significant</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 80%"></td> <td nowrap="nowrap" style="width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; 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width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: x-small Times New Roman">Prices</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 80%"></td> <td nowrap="nowrap" style="width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: x-small Times New Roman">in Active</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: x-small Times New Roman">Significant</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 80%"></td> <td nowrap="nowrap" style="width: 1%">&#160;&#160;&#160;&#160;&#160;</td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%">&#160;&#160;&#160;&#160;&#160;</td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: x-small Times New Roman">Markets for</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%">&#160;&#160;&#160;&#160;&#160;</td> <td nowrap="nowrap" colspan="2" style="text-align: center; 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width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: x-small Times New Roman">Unobservable</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 80%"></td> <td nowrap="nowrap" style="width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: x-small Times New Roman">December 31,</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: x-small Times New Roman">Assets</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: x-small Times New Roman">Inputs</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: x-small Times New Roman">Inputs</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 80%"><font><font style="font: x-small Times New Roman">Assets measured at fair value on a nonrecurring basis:</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font: x-small Times New Roman">2015</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font: x-small Times New Roman">(Level 1)</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font: x-small Times New Roman">(Level 2)</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font: x-small Times New Roman">(Level 3)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 80%"><font style="font: x-small Times New Roman">Impaired loans:</font></td> <td nowrap="nowrap" style="width: 1%"></td> <td nowrap="nowrap" colspan="11" style="text-align: center; width: 19%"><font style="font: x-small Times New Roman">(in thousands)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 80%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: x-small Times New Roman">3,751</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: x-small Times New Roman">3,751</font></td></tr></table></div> <div><p style="text-align: left"><b><font style="font: x-small Times New Roman">Note 8. 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width: 90%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%">&#160;&#160;&#160;&#160;&#160;</td> <td nowrap="nowrap" colspan="3" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font: x-small Times New Roman">2016</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%">&#160;&#160;&#160;&#160;&#160;</td> <td nowrap="nowrap" colspan="3" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font: x-small Times New Roman">2015</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 90%"></td> <td nowrap="nowrap" style="width: 1%"></td> <td nowrap="nowrap" colspan="7" style="text-align: center; width: 9%"><font style="font: x-small Times New Roman">(in thousands)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 90%; background-color: #cceeff"><font style="font: x-small Times New Roman">Net unrealized gain on investment securities available-for-sale</font></td> <td nowrap="nowrap" style="text-align: left; 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width: 1%"><font style="font: x-small Times New Roman">%</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">5.90</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">%</font></td></tr></table></div></div> <div><p style="text-align: left"><b><font style="font: x-small Times New Roman">Note 12 &#150; Securities Sold under Agreements to Repurchase </font></b><font style="font: x-small Times New Roman"></font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">Repurchase agreements are secured borrowings. 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width: 1%">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%">&#160;</td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">5.92</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">%</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%">&#160;</td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">5.90</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">%</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 85%; background-color: #cceeff"><font style="font: x-small Times New Roman">Maximum month-end balance during the year-to-date</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%; background-color: #cceeff"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;pass-through securities</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; 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width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;and political subdivisions</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">575</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; 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width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%; background-color: #cceeff"><font style="font: x-small Times New Roman">Trust preferred securities</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,369</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(209</font></td> <td nowrap="nowrap" style="text-align: left; 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width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(54</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">247</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(4</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%; background-color: #cceeff"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;pass-through securities</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">9,027</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(48</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">9,027</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(48</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">Commercial mortgage-backed</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;securities</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,971</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(9</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,971</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(9</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%; background-color: #cceeff"><font style="font: x-small Times New Roman">Trust preferred securities</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,345</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(231</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,345</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(231</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">Corporate bonds and notes</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">16,533</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(292</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">12,702</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(161</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,831</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(131</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%; background-color: #cceeff"><font style="font: x-small Times New Roman">Asset-backed securities</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">14,745</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(298</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">11,250</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(188</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">3,495</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(110</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">Certificates of deposit</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">215</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(8</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">215</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">(8</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%; background-color: #cceeff"><font style="font: x-small Times New Roman">Equity securities</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">123</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(23</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">123</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">(23</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">Other securities</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">5,347</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">(153</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">5,347</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">(153</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 74%"><font style="font: x-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; 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width: 79%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="8" style="border-bottom: #000000 1pt solid; text-align: center; width: 14%"><font style="font: x-small Times New Roman">Fair Value Measurements at Reporting Date Using</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 79%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: x-small Times New Roman">Quoted Prices</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 79%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: x-small Times New Roman">in Active</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: x-small Times New Roman">Significant</font></td> <td nowrap="nowrap" style="text-align: center; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: x-small Times New Roman">15,502</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 79%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other securities</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 2%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%"><font style="font: x-small Times New Roman">12,343</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%"><font style="font: x-small Times New Roman">12,343</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; 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The core principle of ASU 2014-09 is that an entity should recognize revenue to depict 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. To achieve that core principle, an entity should apply the following steps: (i) identify the contract(s) with a customer; (ii) identify the performance obligations in the contract; (iii) determine the transaction price; (iv) allocate the transaction price to the performance obligations in the contract; and (v) recognize revenue when (or as) the entity satisfies a performance obligation. ASU 2014-09 was originally going to be effective for us on January 1, 2017; however, the FASB recently issued ASU 2015-14, </font><i><font style="font: x-small Times New Roman">&#147;Revenue from Contracts with Customers (Topic 606) - Deferral of the Effective Date&#148;</font></i><font style="font: x-small Times New Roman"> which deferred the effective date of ASU 2014-09 by one year to January 1, 2018. The Company is currently evaluating the potential impact of ASU 2014-09 on its consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2014-12, &#147;</font><i><font style="font: x-small Times New Roman">Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period</font></i><font style="font: x-small Times New Roman"> ("ASU 2014-12"). ASU 2014-12 requires that a performance target that affects vesting, and that could be achieved after the requisite service period, be treated as a performance condition. As such, the performance target should not be reflected in estimating the grant date fair value of the award. This update further clarifies that compensation cost should be recognized in the period in which it becomes probable that the performance target will be achieved and should represent the compensation cost attributable to the period(s) for which the requisite service has already been rendered. The Company adopted ASU 2014-12 effective on January 1, 2016 and its adoption did not have a significant impact on the Company&#146;s consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2015-03, "</font><i><font style="font: x-small Times New Roman">Interest-Imputation of Interest (Subtopic 835-30) Simplifying the Presentation of Debt Issuance Costs</font></i><font style="font: x-small Times New Roman"> (&#147;ASU 2015-13)" requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in the ASU No. 2015-03. The Company adopted ASU No. 2015-03 effective on January 1, 2016 and its adoption did not have a significant impact on the Company&#146;s consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2015-12, "</font><i><font style="font: x-small Times New Roman">Plan Accounting: Defined Benefit Pension Plans (Topic 960): Defined Contribution Pension Plans</font></i><font style="font: x-small Times New Roman">, (Topic 962): Health and Welfare Benefit Plans, (Topic 965): (Part I) Fully Benefit-Responsive Investment Contracts, (Part II) Plan Investment Disclosures, (Part III) Measurement Date Practical Expedient." ASU No. 2015-12 simplifies accounting for employee benefit plans as follows: (i) fully benefit-responsive investment contracts are now to be measured, presented and disclosed at contract value, (ii) the requirement to disclose investments that represent 5 percent or more of net assets available for benefits has been eliminated, (iii) the net appreciation or depreciation in investments for the period should be presented in the aggregate, but is no longer required to be disaggregated and disclosed by general type, (iv) if an investment is measured using the net asset value per share (or its equivalent) practical expedient in Topic 820, and that investment is in a fund that files a U.S. Department of Labor Form 5500, Annual Return/Report of Employee Benefit Plan, as a direct filing entity, disclosure of that investment&#146;s strategy is no longer required, and (v) allows employers to measure (as a practical expedient) benefit plan assets on a month-end date nearest to the employer&#146;s fiscal year end when the fiscal period does not coincide with a month end. The Company adopted ASU No. 2015-12 effective on January 1, 2016 and its adoption did not have a significant impact on the Company&#146;s consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2015-15, </font><i><font style="font: x-small Times New Roman">&#147;Interest &#150; Imputation of Interest (Subtopic 835-30) &#150; Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements. Amendments to SEC Paragraphs Pursuant to Staff Announcement at June 18, 2015 EITF Meeting." </font></i><font style="font: x-small Times New Roman">ASU 2015-15 adds SEC paragraphs pursuant to an SEC Staff Announcement that given the absence of authoritative guidance within ASU 2015-03 for debt issuance costs related to line-of-credit arrangements, the SEC staff would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. The adoption of ASU 2015-15 did not have a material impact on the Company&#146;s consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2015-16, </font><i><font style="font: x-small Times New Roman">&#147;Business Combinations (Topic 805) - Simplifying the Accounting for Measurement-Period </font></i><i><font style="font: x-small Times New Roman">Adjustments.&#148;</font></i><font style="font: x-small Times New Roman"> ASU 2015-16 requires that adjustments to provisional amounts that are identified during the measurement period of a business combination be recognized in the reporting period in which the adjustment amounts are determined. The acquirer must also disclose, by line item, the amount of the adjustment reflected in the current-period income statement that would have been recognized in previous periods if the adjustment to the provision amounts had been recognized as of the acquisition date. Under previous guidance, adjustments to provisional amounts identified during the measurement period are to be recognized retrospectively. The adoption of ASU 2015-16 will impact the accounting for future acquisitions. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2016-01, </font><i><font style="font: x-small Times New Roman">Financial Instruments &#150; Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities.&#148;</font></i><font style="font: x-small Times New Roman"> ASU 2016-1, among other things; (i) requires equity investments, with certain exceptions, to be measured at fair value with changes in fair value recognized in net income, (ii) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (iii) eliminates the requirement for public business entities to disclose the methods and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (iv) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (v) requires an entity to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments; (vi) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset on the balance sheet or the accompanying notes to the financial statements; and (vii) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale. ASU 2016-1 will be effective for us on January 1, 2018 and we are currently evaluating the potential impact of ASU No. 2016-01 on our consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2016-02, &#147;</font><i><font style="font: x-small Times New Roman">Leases (Topic 842)</font></i><font style="font: x-small Times New Roman">&#148; requires the recognition of a right of use asset and related lease liability by lessees for leases classified as operating leases under current accounting principles GAAP. Topic 842, which replaces the current guidance under Topic 840, retains a distinction between finance leases and operating leases. The recognition, measurement, and presentation of expenses and cash flows arising from a lease by a lessee also will not significantly change from current GAAP. For leases with a term of 12 months or less, a lessee is permitted to make an accounting policy election by class of underlying asset not to recognize right of use assets and lease liabilities. Topic 842 will be effective for the Company for reporting periods beginning January 1, 2019, with an early adoption permitted. The Company must apply a modified retrospective transition approach for the applicable leases existing at, or entered into after, the beginning of the earliest comparative period presented in the consolidated financial statements. The modified retrospective approach would not require any transition accounting for leases that expired before the earliest comparative period presented. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU 2016-09,&#147;</font><i><font style="font: x-small Times New Roman">Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment </font></i><i><font style="font: x-small Times New Roman">Accounting</font></i><font style="font: x-small Times New Roman">.&#148;</font><font style="font: x-small Times New Roman"> </font><font style="font: x-small Times New Roman">Under ASU 2016-09 all excess tax benefits and tax deficiencies related to share-based payment awards should be recognized as income tax expense or benefit in the income statement during the period in which they occur. Previously, such amounts were recorded in the pool of excess tax benefits included in additional paid-in capital, if such pool was available. Because excess tax benefits are no longer recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share should exclude the amount of excess tax benefits that would have previously been recognized in additional paid-in capital. Additionally, excess tax benefits should be classified along with other income tax cash flows as an operating activity rather than a financing activity, as was previously the case. ASU 2016-09 also provides that an entity can make an entity-wide accounting policy election to either estimate the number of awards that are expected to vest (current GAAP) or account for forfeitures when they occur. ASU 2016-09 changes the threshold to qualify for equity classification (rather than as a liability) to permit withholding up to the maximum statutory tax rates (rather than the minimum as was previously the case) in the applicable jurisdictions. ASU 2016-09 will be effective on January 1, 2017 and is not expected to have a significant impact on our consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2016-10,&#147;</font><i><font style="font: x-small Times New Roman">Revenue from Contracts with Customers (Topic 606): Identifying Performance Obligations and Licensing.&#148; </font></i><font style="font: x-small Times New Roman">ASU 2016-10 was issued to clarify ASC Topic 606, </font><i><font style="font: x-small Times New Roman">&#147;Revenue from Contracts with Customers&#148;</font></i><font style="font: x-small Times New Roman"> related to (i) identifying performance obligations; and (ii) the licensing implementation guidance. The effective date and transition of ASU 2016-10 is the same as the effective date and transition of ASU 2014-09,</font><i><font style="font: x-small Times New Roman"> &#147;Revenue from Contracts with Customers (Topic 606),&#148;</font></i><font style="font: x-small Times New Roman"> as discussed above. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2016-12,&#147;</font><i><font style="font: x-small Times New Roman">Revenue from Contracts with Customers (Topic 606): Narrow-Scope Improvements and Practical </font></i><i><font style="font: x-small Times New Roman">Expedients</font></i><font style="font: x-small Times New Roman">.&#148; ASU 2016-12 was issued to clarify ASC Topic 606, &#147;Revenue from Contracts with Customers&#148; and to address narrow-scope improvements to the guidance on collectability, noncash consideration, and completed contracts at transition. Additionally, the amendments in this Update provide a practical expedient for contract modifications at transition and an accounting policy election related to the presentation of sales taxes and other similar taxes collected from customers. The effective date and transition of ASU 2016-12 is the same as the effective date and transition of ASU 2014-09, &#147;Revenue from Contracts with Customers (Topic 606),&#148; as discussed above. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2016-15, &#147;<i><font style="font: x-small Times New Roman">Statement of Cash Flows (Topic 230)</font></i><font style="font: x-small Times New Roman">: </font><i><font style="font: x-small Times New Roman">Classification of Certain Cash Receipts and Cash Payments</font></i><font style="font: x-small Times New Roman">&#148; provides guidance on the following eight specific cash flow issues: (1) Debt Prepayment or Debt Extinguishment Costs: Cash payments for debt prepayment or debt extinguishment costs should be classified as cash outflows for financing activities; (2) Settlement of Zero-Coupon Debt Instruments or Other Debt Instruments with Coupon Interest Rates That Are Insignificant in Relation to the Effective Interest Rate of the Borrowing: At the settlement of zero-coupon debt instruments or other debt instruments with coupon interest rates that are insignificant in relation to the effective interest rate of the borrowing, the issuer should classify the portion of the cash payment attributable to the accreted interest related to the debt discount as cash outflows for operating activities, and the portion of the cash payment attributable to the principal as cash outflows for financing activities; (3) Contingent Consideration Payments Made after a Business Combination: Cash payments not made soon after the acquisition date of a business combination by an acquirer to settle a contingent consideration liability should be separated and classified as cash outflows for financing activities and operating activities. Cash payments up to the amount of the contingent consideration liability recognized at the acquisition date (including measurement-period adjustments) should be classified as financing activities; any excess should be classified as operating activities. Cash payments made soon after the acquisition date of a business combination by an acquirer to settle a contingent consideration liability should be classified as cash outflows for investing activities; (4) Proceeds from the Settlement of Insurance Claims: Cash proceeds received from the settlement of insurance claims should be classified on the basis of the related insurance coverage (that is, the nature of the loss). For insurance proceeds that are received in a lump-sum settlement, an entity should determine the classification on the basis of the nature of each loss included in the settlement; (5) Proceeds from the Settlement of Corporate-Owned Life Insurance Policies, including Bank-Owned Life Insurance Policies: Cash proceeds received from the settlement of corporate-owned life insurance policies should be classified as cash inflows from investing activities. The cash payments for premiums on corporate-owned policies may be classified as cash outflows for investing activities, operating activities, or a combination of investing and operating activities; (6) Distributions Received from Equity Method Investees: When a reporting entity applies the equity method, it should make an accounting policy election to classify distributions received from equity method investees using either of the following approaches: a. Cumulative earnings approach: Distributions received are considered returns on investment and classified as cash inflows from operating activities, unless the investor&#146;s cumulative distributions received less distributions received in prior periods that were determined to be returns of investment exceed cumulative equity in earnings recognized by the investor. When such an excess occurs, the current-period distribution up to this excess should be considered a return of investment and classified as cash inflows from investing activities. b. Nature of the distribution approach: Distributions received should be classified on the basis of the nature of the activity or activities of the investee that generated the distribution as either a return on investment (classified as cash inflows from operating activities) or a return of investment (classified as cash inflows from investing activities) when such information is available to the investor. If an entity elects to apply the nature of the distribution approach and the information to apply that approach to distributions received from an individual equity method investee is not available to the investor, the entity should report a change in accounting principle on a retrospective basis by applying the cumulative earnings approach in (1) for that investee. In such situations, an entity should disclose that a change in accounting principle has occurred with respect to the affected investee(s) </font>due to the lack of available information and should provide the disclosures required in paragraphs 250-10-50-1(b) and 250-10-50-2, as applicable. This amendment does not address equity method investments measured using the fair value option; (7) Beneficial Interests in Securitization Transactions: A transferor&#146;s beneficial interest obtained in a securitization of financial assets should be disclosed as a non cash activity, and cash receipts from payments on a transferor&#146;s beneficial interests in securitized trade receivables should be classified as cash inflows from investing activities; (8) Separately Identifiable Cash Flows and Application of the Predominance Principle: The classification of cash receipts and payments that have aspects of more than one class of cash flows should be determined first by applying specific guidance in generally accepted accounting principles (GAAP). In the absence of specific guidance, an entity should determine each separately identifiable source or use within the cash receipts and cash payments on the basis of the nature of the underlying cash flows. An entity should then classify each separately identifiable source or use within the cash receipts and payments on the basis of their nature in financing, investing, or operating activities. In situations in which cash receipts and payments have aspects of more than one class of cash flows and cannot be separated by source or use, the appropriate classification should depend on the activity that is likely to be the predominant source or use of cash flows for the item. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity that elects early adoption must adopt all of the amendments in the same period. The amendments in this Update should be applied using a retrospective transition method to each period presented. If it is impracticable to apply the amendments retrospectively for some of the issues, the amendments for those issues would be applied prospectively as of the earliest date practicable. The Company is currently evaluating this ASU to determine the impact on its consolidated financial position, results of operations and cash flows. </font></p> <div> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2016-13, &#147;</font><i><font style="font: x-small Times New Roman">Financial Instruments &#150; Credit Losses (Topic 326): Assets Measured at Amortized Cost.&#148; ASU 2016-</font></i><font style="font: x-small Times New Roman">13 requires a financial asset (or a group of financial assets) measured at amortized cost basis to be presented at the net amount expected to be collected. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of the financial asset(s) to present the net carrying value at the amount expected to be collected on the financial asset. The income statement reflects the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. The measurement of expected credit losses is based on relevant information about past events, including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. An entity must use judgment in determining the relevant information and estimation methods that are appropriate in its circumstances. The allowance for credit losses for purchased financial assets with a more-than insignificant amount of credit deterioration since origination (PCD assets) that are measured at amortized cost basis is determined in a similar manner to other financial assets measured at amortized cost basis; however, the initial allowance for credit losses is added to the purchase price rather than being reported as a credit loss expense. Only subsequent changes in the allowance for credit losses are recorded as a credit loss expense for these assets. Interest income for PCD assets should be recognized based on the effective interest rate, excluding the discount embedded in the purchase price that is attributable to the acquirer assessment of credit losses at acquisition. Available-for-Sale Debt Securities&#151;Credit losses relating to available-for-sale debt securities should be recorded through an allowance for credit losses. Available-for-sale accounting recognizes that value may be realized either through collection of contractual cash flows or through sale of the security. Therefore, the amendments limit the amount of the allowance for credit losses to the amount by which fair value is below amortized cost because the classification as available for sale is premised on an investment strategy that recognizes that the investment could be sold at fair value, if cash collection would result in the realization of an amount less than fair value. The allowance for credit losses for purchased available-for-sale securities with a more-than-insignificant amount of credit deterioration since origination is determined in a similar manner to other available-for-sale debt securities; however, the initial allowance for credit losses is added to the purchase price rather than reported as a credit loss expense. Only subsequent changes in the allowance for credit losses are recorded in credit loss expense. Interest income should be recognized based on the effective interest rate, excluding the discount embedded in the purchase price that is attributable to the acquirer&#146;s assessment of credit losses at acquisition. For public business entities that are U.S. Securities and Exchange Commission (SEC) filers, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. For all other public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements.</font></p></div> 7400000 210000000 P3Y1M6D P4Y1M6D P3Y9M18D 223000 572000 700000 8300000 17300000 2600000 3700000 1300000 All 14 loans were accruing prior to modification, while 13 remained in accrual status post-modification. <div><p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ended September 30, 2016 (dollars in thousands):</font><font style="font: x-small Times New Roman"> </font></p> <table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 80%"> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 83%"></td> <td nowrap="nowrap" style="text-align: center; width: 4%"></td> <td nowrap="nowrap" style="text-align: center; width: 4%"></td> <td nowrap="nowrap" style="text-align: center; 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width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%; background-color: #cceeff"><font style="font: x-small Times New Roman">Balance at September 30,</font></td> <td nowrap="nowrap" style="text-align: left; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%; background-color: #cceeff"><font style="font: x-small Times New Roman">2016</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">20,396</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,174</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">4</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; 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width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Residential</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="border-bottom: Black 1pt solid; text-align: left; width: 73%"></td> <td style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="border-bottom: Black 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">real estate</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: Black 1pt solid; text-align: center; width: 2%"><font style="font: x-small Times New Roman">construction</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="border-bottom: Black 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">real estate</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="border-bottom: Black 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="border-bottom: Black 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Unallocated</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="border-bottom: Black 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Total</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="26" style="text-align: center; width: 26%"><font style="font: x-small Times New Roman">(in thousands)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%; background-color: #cceeff"><font style="font: x-small Times New Roman">Balance at June 30, 2015</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">4,633</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">9,195</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,945</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,161</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">7</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">539</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">17,480</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr> <td colspan="28" style="width: 100%; background-color: #cceeff">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%"><font style="font: x-small Times New Roman">Charge-offs</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">(124</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">(124</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td></tr> <tr> <td colspan="28" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%; background-color: #cceeff"><font style="font: x-small Times New Roman">Recoveries</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">2</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">2</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr> <td colspan="28" style="width: 100%; background-color: #cceeff">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%"><font style="font: x-small Times New Roman">Provision</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">2,488</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">1,203</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">701</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">(149</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">(3</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">(65</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">4,175</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td></tr> <tr> <td nowrap="nowrap" style="text-align: left; width: 73%">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%; background-color: #cceeff"><font style="font: x-small Times New Roman">Balance at September 30,</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%; background-color: #cceeff"><font style="font: x-small Times New Roman">2015</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">4,633</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">9,195</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">2,646</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,012</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">4</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">474</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">21,533</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td></tr></table><br /> <table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="26" style="border-bottom: #000000 1pt solid; text-align: center; width: 27%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Nine Months Ended September 30, 2016</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 4%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial</font></font></td> <td nowrap="nowrap" style="text-align: center; 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width: 72%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid">&#160;&#160;&#160; </td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 4%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid">&#160;&#160;&#160; </td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">real estate</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid">&#160;&#160;&#160; </td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">construction</font></font></td> <td nowrap="nowrap" style="text-align: center; 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width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">3</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">43</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr> <td colspan="28" style="width: 100%; background-color: #cceeff"><font style="font-size: larger">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Provision</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">11,841</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">414</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">819</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">289</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">7</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">130</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">13,500</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td></tr> <tr> <td colspan="28" style="width: 100%"><font style="font-size: larger">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">Balance at September 30,</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2016</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">20,396</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">11,375</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">4,072</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,174</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">4</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">594</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">37,615</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr> <td colspan="28" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="26" style="border-bottom: #000000 1pt solid; text-align: center; width: 27%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Nine Months Ended September 30, 2015</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Residential</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 4%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">real estate</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">construction</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">real estate</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">Consumer</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">Unallocated</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">Total</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="26" style="text-align: center; width: 27%"><font style="font-size: larger"><font style="font: x-small Times New Roman">(in thousands)</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">Balance at December 31,</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2014</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,083</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">7,799</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,239</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,113</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">7</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">919</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">14,160</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr> <td colspan="28" style="width: 100%; background-color: #cceeff"><font style="font-size: larger">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Charge-offs</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">(100</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">)</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">(406</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">)</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">(13</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">)</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">(519</font></font></td> <td nowrap="nowrap" style="text-align: left; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Individually evaluated for impairment</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">12,931</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">105</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: xx-small Times New Roman">13,036</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: xx-small Times New Roman">Collectively evaluated for impairment</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">7,465</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">11,270</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">4,072</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">1,174</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">4</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">594</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">24,579</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Acquired portfolio</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: xx-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: xx-small Times New Roman">Acquired with deteriorated credit quality</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; text-align: right"><font style="font: xx-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">20,396</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">11,375</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font: xx-small Times New Roman">4,072</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">1,174</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">4</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">594</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font: xx-small Times New Roman">37,615</font></td></tr> <tr> <td colspan="22" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><u><font style="font: xx-small Times New Roman">Gross loans</font></u></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Individually evaluated for impairment</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">102,682</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">9,319</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font: xx-small Times New Roman">1,374</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">3,389</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">67</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: xx-small Times New Roman">116,831</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: xx-small Times New Roman">Collectively evaluated for impairment</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">487,657</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">1,480,859</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">462,687</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">153,488</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">2,178</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">2,586,869</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Acquired portfolio</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">47,064</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">609,624</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font: xx-small Times New Roman">7,048</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">72,524</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">634</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: xx-small Times New Roman">736,894</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: xx-small Times New Roman">Acquired with deteriorated credit quality</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">7,027</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">1,002</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">8,029</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; text-align: right"><font style="font: xx-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">644,430</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">2,100,804</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font: xx-small Times New Roman">471,109</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">229,401</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">2,879</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font: xx-small Times New Roman">3,448,623</font></td></tr> <tr> <td colspan="22" style="width: 100%">&#160;</td></tr> <tr> <td colspan="22" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="20" style="border-bottom: #000000 1pt solid; text-align: center; width: 27%"><font style="font: xx-small Times New Roman">December 31, 2015</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: xx-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: xx-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: xx-small Times New Roman">Residential</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: xx-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: xx-small Times New Roman">real estate</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font: xx-small Times New Roman">construction</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: xx-small Times New Roman">real estate</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: xx-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: xx-small Times New Roman">Unallocated</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 2%"><font style="font: xx-small Times New Roman">Total</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="20" style="text-align: center; width: 27%"><font style="font: xx-small Times New Roman">(in thousands)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><u><font style="font: xx-small Times New Roman">Allowance for loan and lease losses</font></u></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Individually evaluated for impairment</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">6,725</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: xx-small Times New Roman">6,725</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: xx-small Times New Roman">Collectively evaluated for impairment</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">4,224</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">10,926</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">3,253</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">976</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">4</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">464</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">19,847</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Acquired portfolio</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: xx-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: xx-small Times New Roman">Acquired with deteriorated credit quality</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; text-align: right"><font style="font: xx-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">10,949</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">10,926</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font: xx-small Times New Roman">3,253</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">976</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">4</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">464</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font: xx-small Times New Roman">26,572</font></td></tr> <tr> <td colspan="22" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><u><font style="font: xx-small Times New Roman">Gross loans</font></u></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Individually evaluated for impairment</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">85,397</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">15,517</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font: xx-small Times New Roman">2,149</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">3,954</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">87</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: xx-small Times New Roman">107,104</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: xx-small Times New Roman">Collectively evaluated for impairment</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">395,424</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">1,269,140</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">315,785</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">136,633</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">1,649</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">2,118,631</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Acquired portfolio</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">82,217</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">680,264</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font: xx-small Times New Roman">10,904</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">92,775</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">718</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: xx-small Times New Roman">866,878</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: xx-small Times New Roman">Acquired with deteriorated credit quality</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">7,078</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">1,775</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">328</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">9,181</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; text-align: right"><font style="font: xx-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">570,116</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">1,966,696</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font: xx-small Times New Roman">328,838</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">233,690</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">2,454</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font: xx-small Times New Roman">3,101,794</font></td></tr></table></div> <div><p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">The following table provides an analysis of the aging of gross loans (excluding loans held-for-sale) that are past due at September 30, 2016 and December 31, 2015 by segment: </font></p> <p style="text-align: left"><b><font style="font: x-small Times New Roman">Aging Analysis</font></b><font style="font: x-small Times New Roman"> </font><b><font style="font: x-small Times New Roman"></font></b><font style="font: x-small Times New Roman"></font><b><font style="font: x-small Times New Roman"></font></b><font style="font: x-small Times New Roman"></font></p> <table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="20" style="border-bottom: #000000 1pt solid; text-align: center; width: 27%"><font style="font: x-small Times New Roman">September 30, 2016</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%"><font style="font: x-small Times New Roman">90 Days or</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Greater than 90 Days</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">30-59 Days</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">60-89 Days</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%"><font style="font: x-small Times New Roman">Greater Past</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Total Loans</font></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Past Due and Still</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; 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width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Receivable</font></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Accruing/Accreting</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%">&#160;&#160; </td> <td nowrap="nowrap" colspan="20" style="text-align: center; width: 27%"><font style="font: x-small Times New Roman">(in thousands)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;&#160; </td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">249</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;&#160; </td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">5,363</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;&#160; </td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">5,612</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;&#160; </td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">638,818</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;&#160; </td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">644,430</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff">&#160;&#160; </td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">4,543</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">Commercial real</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">461</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">1,600</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">2,385</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">4,446</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,096,358</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,100,804</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">654</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">471,109</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">471,109</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">Residential real</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">505</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">924</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">1,778</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,207</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">226,194</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">229,401</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">9</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">9</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">2,870</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">2,879</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">975</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,773</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font: x-small Times New Roman">9,526</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">13,274</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,435,349</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,448,623</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 2%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font: x-small Times New Roman">5,197</font></td></tr> <tr> <td nowrap="nowrap" colspan="22" style="width: 100%">&#160;</td></tr> <tr> <td nowrap="nowrap" colspan="22" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="20" style="border-bottom: #000000 1pt solid; text-align: center; width: 27%"><font style="font: x-small Times New Roman">December 31, 2015</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%"><font style="font: x-small Times New Roman">90 Days or</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Greater than 90 Days</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">30-59 Days</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">60-89 Days</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%"><font style="font: x-small Times New Roman">Greater Past</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Total Loans</font></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Past Due and Still</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Past Due</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Past Due</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 2%"><font style="font: x-small Times New Roman">Due</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Current</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Receivable</font></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Accruing/Accreting</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="20" style="text-align: center; width: 27%"><font style="font: x-small Times New Roman">(in thousands)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">6,887</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">3,505</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">6,865</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">17,257</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">552,859</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">570,116</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">Commercial real</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">1,998</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">988</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">9,561</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">12,547</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">1,954,149</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">1,966,696</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,479</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,479</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">327,359</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">328,838</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">Residential real</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">2,122</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,122</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">231,568</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">233,690</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">4</font></td> <td nowrap="nowrap" style="text-align: left; 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text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">8,889</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; 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border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="11" style="border-bottom: #000000 1pt solid; text-align: center; width: 14%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Three Months Ended September 30,</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="11" style="border-bottom: #000000 1pt solid; text-align: center; width: 13%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Nine Months Ended September 30,</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="5" style="border-bottom: #000000 1pt solid; text-align: center; width: 5%"><font style="font-size: larger"><font style="font: x-small Times New Roman">2016</font></font></td> <td nowrap="nowrap" style="text-align: center; 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width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">4,317</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160; </font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">86</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160; </font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">707</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160; </font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">9,129</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">65</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">4,869</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">15</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">8,167</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">118</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">4,905</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">46</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman">construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,224</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">21</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,479</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">979</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">54</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,479</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">Residential real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,271</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">5</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,221</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">7</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,247</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">15</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,251</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">12</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">70</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">100</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">74</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">3</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">102</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">4</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">20,398</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">158</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">10,381</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">23</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">16,784</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">276</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">10,444</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">62</font></font></td></tr> <tr> <td colspan="25" style="width: 100%; background-color: #cceeff">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman"><u>Impaired loans with an</u></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman"><u>allowance recorded:</u></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr> <td colspan="25" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">91,393</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">925</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">79,732</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">722</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">85,620</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,447</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">45,747</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,206</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman">Commercial real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">153</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">153</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">91,5476</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">925</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">79,732</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">722</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">102,577</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,447</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">45,747</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,206</font></font></td></tr> <tr> <td colspan="25" style="width: 100%; background-color: #cceeff">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman"><u>Total impaired loans:</u></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr> <td colspan="25" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">98,097</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">991</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">80,444</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">722</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">89,937</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,533</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">46,454</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,206</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman">Commercial real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">9,282</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">65</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">4,869</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">15</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">8,320</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">118</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">4,905</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">46</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,224</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">21</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,479</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">979</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">54</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,479</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman">Residential real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,271</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">5</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,221</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">7</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,247</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">15</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,251</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">12</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">70</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">100</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">74</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">3</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">102</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">4</font></font></td></tr> <tr> <td colspan="25" style="width: 100%; background-color: #cceeff">&#160; </td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">111,944</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,083</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">90,113</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">745</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">102,557</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,753</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">56,191</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,268</font></font></td></tr></table></div> <div><p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">The following table provides an analysis of the impaired loans, by loan segment, at September 30, 2016 and December 31, 2015:</font></p> <div align="center"> <table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 60%"> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="8" style="border-bottom: #000000 1pt solid; text-align: center; width: 11%"><font style="font: x-small Times New Roman">September 30, 2016</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Unpaid</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Recorded</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Principal</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Related</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%">&#160;&#160;&#160;&#160;&#160; </td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Investment</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%">&#160;&#160;&#160;&#160;&#160; </td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Balance</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%">&#160;&#160;&#160;&#160;&#160; </td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Allowance</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman"><u>No related allowance recorded</u></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="8" style="text-align: center; width: 11%"><font style="font: x-small Times New Roman">(in thousands)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">6,718</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">7,025</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Commercial real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">9,166</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">9,182</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,374</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,374</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Residential real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,389</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,823</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">67</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">67</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">20,714</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">21,471</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td></tr> <tr> <td colspan="10" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman"><u>With an allowance recorded</u></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">95,964</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">95,964</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">12,931</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">153</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">153</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">105</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">96,117</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">96,117</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">13,036</font></td></tr> <tr> <td colspan="10" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman"><u>Total</u></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">102,682</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">103,989</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">12,931</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">9,319</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">9,335</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">105</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Commercial construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">1,374</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">1,374</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Residential real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">3,389</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">3,823</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">67</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">67</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">116,831</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">117,588</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">13,036</font></td></tr> <tr> <td colspan="10" style="width: 100%">&#160; </td></tr> <tr> <td colspan="10" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="8" style="border-bottom: #000000 1pt solid; text-align: center; width: 11%"><font style="font: x-small Times New Roman">December 31, 2015</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Unpaid</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Recorded</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Principal</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Related</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Investment</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Balance</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Allowance</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #ffffff"><font style="font: x-small Times New Roman"><u>No related allowance recorded</u></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; background-color: #ffffff"></td> <td nowrap="nowrap" colspan="8" style="text-align: center; width: 11%; background-color: #ffffff"><font style="font: x-small Times New Roman">(in thousands)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">610</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">645</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Commercial real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">15,517</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">16,512</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">2,149</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">2,141</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Residential real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,954</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">4,329</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">87</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">86</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">22,317</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">23,713</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td></tr> <tr> <td colspan="10" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman"><u>With an allowance recorded</u></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">84,787</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">84,449</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">6,725</font></td></tr> <tr> <td colspan="10" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman"><u>Total</u></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">85,397</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">85,094</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">6,725</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">15,517</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">16,512</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Commercial construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,149</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,141</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Residential real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">3,954</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">4,329</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">87</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">86</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">107,104</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; 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width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%">&#160;&#160;&#160;&#160;&#160; </td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Pass</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: center; width: 1%">&#160;&#160;&#160;&#160;&#160; </td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; 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width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">531,599</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,787</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">110,044</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">644,430</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial real estate</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,049,986</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">32,504</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">18,314</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,100,804</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial construction</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">469,735</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,374</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">471,109</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Residential real estate</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">226,012</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%">&#160;</td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,389</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">229,401</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">Consumer</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,812</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">67</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,879</font></font></td></tr> <tr> <td colspan="16" style="width: 100%; background-color: #cceeff">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%"><font style="font-size: larger"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Total loans</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,280,144</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">36,665</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">131,814</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,448,623</font></font></td></tr> <tr> <td colspan="16" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%"></td> <td style="text-align: center; width: 1%"></td> <td colspan="14" style="border-bottom: #000000 1pt solid; text-align: center; width: 23%"><font style="font-size: larger"><font style="font: x-small Times New Roman">December 31, 2015</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Special</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Pass</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Mention</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Substandard</font></font></td> <td style="border-bottom: #000000 1pt solid; text-align: center; width: 1%"></td> <td colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Doubtful</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Total</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%; background-color: #ffffff"></td> <td nowrap="nowrap" style="text-align: center; width: 1%; background-color: #ffffff"></td> <td nowrap="nowrap" colspan="14" style="text-align: center; width: 23%; background-color: #ffffff"><font style="font-size: larger"><font style="font: x-small Times New Roman">(in thousands)</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">462,358</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">11,760</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">95,998</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">570,116</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial real estate</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,919,041</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">18,990</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">28,426</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">239</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,966,696</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial construction</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">326,697</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">662</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,479</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; 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width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">4,264</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">233,690</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; 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text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font: x-small Times New Roman">9,181</font></td></tr></table></div></div> -11250000 -11250000 0.15 0.15 75520 162491 224056000 17000000 10069000 10069000 6254000 6254000 3815000 3815000 13514000 209855000 <p style="text-align: left"><b><font style="font: x-small Times New Roman">Note 2. New Authoritative Accounting Guidance </font></b></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2014-09, </font><i><font style="font: x-small Times New Roman">&#147;Revenue from Contracts with Customers (Topic 606).&#148; </font></i><font style="font: x-small Times New Roman">ASU 2014-09 implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASU 2014-09 is that an entity should recognize revenue to depict 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. To achieve that core principle, an entity should apply the following steps: (i) identify the contract(s) with a customer; (ii) identify the performance obligations in the contract; (iii) determine the transaction price; (iv) allocate the transaction price to the performance obligations in the contract; and (v) recognize revenue when (or as) the entity satisfies a performance obligation. ASU 2014-09 was originally going to be effective for us on January 1, 2017; however, the FASB recently issued ASU 2015-14, </font><i><font style="font: x-small Times New Roman">&#147;Revenue from Contracts with Customers (Topic 606) - Deferral of the Effective Date&#148;</font></i><font style="font: x-small Times New Roman"> which deferred the effective date of ASU 2014-09 by one year to January 1, 2018. The Company is currently evaluating the potential impact of ASU 2014-09 on its consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2014-12, &#147;</font><i><font style="font: x-small Times New Roman">Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period</font></i><font style="font: x-small Times New Roman"> ("ASU 2014-12"). ASU 2014-12 requires that a performance target that affects vesting, and that could be achieved after the requisite service period, be treated as a performance condition. As such, the performance target should not be reflected in estimating the grant date fair value of the award. This update further clarifies that compensation cost should be recognized in the period in which it becomes probable that the performance target will be achieved and should represent the compensation cost attributable to the period(s) for which the requisite service has already been rendered. The Company adopted ASU 2014-12 effective on January 1, 2016 and its adoption did not have a significant impact on the Company&#146;s consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2015-03, "</font><i><font style="font: x-small Times New Roman">Interest-Imputation of Interest (Subtopic 835-30) Simplifying the Presentation of Debt Issuance Costs</font></i><font style="font: x-small Times New Roman"> (&#147;ASU 2015-13)" requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in the ASU No. 2015-03. The Company adopted ASU No. 2015-03 effective on January 1, 2016 and its adoption did not have a significant impact on the Company&#146;s consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2015-12, "</font><i><font style="font: x-small Times New Roman">Plan Accounting: Defined Benefit Pension Plans (Topic 960): Defined Contribution Pension Plans</font></i><font style="font: x-small Times New Roman">, (Topic 962): Health and Welfare Benefit Plans, (Topic 965): (Part I) Fully Benefit-Responsive Investment Contracts, (Part II) Plan Investment Disclosures, (Part III) Measurement Date Practical Expedient." ASU No. 2015-12 simplifies accounting for employee benefit plans as follows: (i) fully benefit-responsive investment contracts are now to be measured, presented and disclosed at contract value, (ii) the requirement to disclose investments that represent 5 percent or more of net assets available for benefits has been eliminated, (iii) the net appreciation or depreciation in investments for the period should be presented in the aggregate, but is no longer required to be disaggregated and disclosed by general type, (iv) if an investment is measured using the net asset value per share (or its equivalent) practical expedient in Topic 820, and that investment is in a fund that files a U.S. Department of Labor Form 5500, Annual Return/Report of Employee Benefit Plan, as a direct filing entity, disclosure of that investment&#146;s strategy is no longer required, and (v) allows employers to measure (as a practical expedient) benefit plan assets on a month-end date nearest to the employer&#146;s fiscal year end when the fiscal period does not coincide with a month end. The Company adopted ASU No. 2015-12 effective on January 1, 2016 and its adoption did not have a significant impact on the Company&#146;s consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2015-15, </font><i><font style="font: x-small Times New Roman">&#147;Interest &#150; Imputation of Interest (Subtopic 835-30) &#150; Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements. Amendments to SEC Paragraphs Pursuant to Staff Announcement at June 18, 2015 EITF Meeting." </font></i><font style="font: x-small Times New Roman">ASU 2015-15 adds SEC paragraphs pursuant to an SEC Staff Announcement that given the absence of authoritative guidance within ASU 2015-03 for debt issuance costs related to line-of-credit arrangements, the SEC staff would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. The adoption of ASU 2015-15 did not have a material impact on the Company&#146;s consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2015-16, </font><i><font style="font: x-small Times New Roman">&#147;Business Combinations (Topic 805) - Simplifying the Accounting for Measurement-Period </font></i><i><font style="font: x-small Times New Roman">Adjustments.&#148;</font></i><font style="font: x-small Times New Roman"> ASU 2015-16 requires that adjustments to provisional amounts that are identified during the measurement period of a business combination be recognized in the reporting period in which the adjustment amounts are determined. The acquirer must also disclose, by line item, the amount of the adjustment reflected in the current-period income statement that would have been recognized in previous periods if the adjustment to the provision amounts had been recognized as of the acquisition date. Under previous guidance, adjustments to provisional amounts identified during the measurement period are to be recognized retrospectively. The adoption of ASU 2015-16 will impact the accounting for future acquisitions. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2016-01, </font><i><font style="font: x-small Times New Roman">Financial Instruments &#150; Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities.&#148;</font></i><font style="font: x-small Times New Roman"> ASU 2016-1, among other things; (i) requires equity investments, with certain exceptions, to be measured at fair value with changes in fair value recognized in net income, (ii) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (iii) eliminates the requirement for public business entities to disclose the methods and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (iv) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (v) requires an entity to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments; (vi) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset on the balance sheet or the accompanying notes to the financial statements; and (vii) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale. ASU 2016-1 will be effective for us on January 1, 2018 and we are currently evaluating the potential impact of ASU No. 2016-01 on our consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2016-02, &#147;</font><i><font style="font: x-small Times New Roman">Leases (Topic 842)</font></i><font style="font: x-small Times New Roman">&#148; requires the recognition of a right of use asset and related lease liability by lessees for leases classified as operating leases under current accounting principles GAAP. Topic 842, which replaces the current guidance under Topic 840, retains a distinction between finance leases and operating leases. The recognition, measurement, and presentation of expenses and cash flows arising from a lease by a lessee also will not significantly change from current GAAP. For leases with a term of 12 months or less, a lessee is permitted to make an accounting policy election by class of underlying asset not to recognize right of use assets and lease liabilities. Topic 842 will be effective for the Company for reporting periods beginning January 1, 2019, with an early adoption permitted. The Company must apply a modified retrospective transition approach for the applicable leases existing at, or entered into after, the beginning of the earliest comparative period presented in the consolidated financial statements. The modified retrospective approach would not require any transition accounting for leases that expired before the earliest comparative period presented. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU 2016-09,&#147;</font><i><font style="font: x-small Times New Roman">Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment </font></i><i><font style="font: x-small Times New Roman">Accounting</font></i><font style="font: x-small Times New Roman">.&#148;</font><font style="font: x-small Times New Roman"> </font><font style="font: x-small Times New Roman">Under ASU 2016-09 all excess tax benefits and tax deficiencies related to share-based payment awards should be recognized as income tax expense or benefit in the income statement during the period in which they occur. Previously, such amounts were recorded in the pool of excess tax benefits included in additional paid-in capital, if such pool was available. Because excess tax benefits are no longer recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share should exclude the amount of excess tax benefits that would have previously been recognized in additional paid-in capital. Additionally, excess tax benefits should be classified along with other income tax cash flows as an operating activity rather than a financing activity, as was previously the case. ASU 2016-09 also provides that an entity can make an entity-wide accounting policy election to either estimate the number of awards that are expected to vest (current GAAP) or account for forfeitures when they occur. ASU 2016-09 changes the threshold to qualify for equity classification (rather than as a liability) to permit withholding up to the maximum statutory tax rates (rather than the minimum as was previously the case) in the applicable jurisdictions. ASU 2016-09 will be effective on January 1, 2017 and is not expected to have a significant impact on our consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2016-10,&#147;</font><i><font style="font: x-small Times New Roman">Revenue from Contracts with Customers (Topic 606): Identifying Performance Obligations and Licensing.&#148; </font></i><font style="font: x-small Times New Roman">ASU 2016-10 was issued to clarify ASC Topic 606, </font><i><font style="font: x-small Times New Roman">&#147;Revenue from Contracts with Customers&#148;</font></i><font style="font: x-small Times New Roman"> related to (i) identifying performance obligations; and (ii) the licensing implementation guidance. The effective date and transition of ASU 2016-10 is the same as the effective date and transition of ASU 2014-09,</font><i><font style="font: x-small Times New Roman"> &#147;Revenue from Contracts with Customers (Topic 606),&#148;</font></i><font style="font: x-small Times New Roman"> as discussed above. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2016-12,&#147;</font><i><font style="font: x-small Times New Roman">Revenue from Contracts with Customers (Topic 606): Narrow-Scope Improvements and Practical </font></i><i><font style="font: x-small Times New Roman">Expedients</font></i><font style="font: x-small Times New Roman">.&#148; ASU 2016-12 was issued to clarify ASC Topic 606, &#147;Revenue from Contracts with Customers&#148; and to address narrow-scope improvements to the guidance on collectability, noncash consideration, and completed contracts at transition. Additionally, the amendments in this Update provide a practical expedient for contract modifications at transition and an accounting policy election related to the presentation of sales taxes and other similar taxes collected from customers. The effective date and transition of ASU 2016-12 is the same as the effective date and transition of ASU 2014-09, &#147;Revenue from Contracts with Customers (Topic 606),&#148; as discussed above. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2016-15, &#147;<i><font style="font: x-small Times New Roman">Statement of Cash Flows (Topic 230)</font></i><font style="font: x-small Times New Roman">: </font><i><font style="font: x-small Times New Roman">Classification of Certain Cash Receipts and Cash Payments</font></i><font style="font: x-small Times New Roman">&#148; provides guidance on the following eight specific cash flow issues: (1) Debt Prepayment or Debt Extinguishment Costs: Cash payments for debt prepayment or debt extinguishment costs should be classified as cash outflows for financing activities; (2) Settlement of Zero-Coupon Debt Instruments or Other Debt Instruments with Coupon Interest Rates That Are Insignificant in Relation to the Effective Interest Rate of the Borrowing: At the settlement of zero-coupon debt instruments or other debt instruments with coupon interest rates that are insignificant in relation to the effective interest rate of the borrowing, the issuer should classify the portion of the cash payment attributable to the accreted interest related to the debt discount as cash outflows for operating activities, and the portion of the cash payment attributable to the principal as cash outflows for financing activities; (3) Contingent Consideration Payments Made after a Business Combination: Cash payments not made soon after the acquisition date of a business combination by an acquirer to settle a contingent consideration liability should be separated and classified as cash outflows for financing activities and operating activities. Cash payments up to the amount of the contingent consideration liability recognized at the acquisition date (including measurement-period adjustments) should be classified as financing activities; any excess should be classified as operating activities. Cash payments made soon after the acquisition date of a business combination by an acquirer to settle a contingent consideration liability should be classified as cash outflows for investing activities; (4) Proceeds from the Settlement of Insurance Claims: Cash proceeds received from the settlement of insurance claims should be classified on the basis of the related insurance coverage (that is, the nature of the loss). For insurance proceeds that are received in a lump-sum settlement, an entity should determine the classification on the basis of the nature of each loss included in the settlement; (5) Proceeds from the Settlement of Corporate-Owned Life Insurance Policies, including Bank-Owned Life Insurance Policies: Cash proceeds received from the settlement of corporate-owned life insurance policies should be classified as cash inflows from investing activities. The cash payments for premiums on corporate-owned policies may be classified as cash outflows for investing activities, operating activities, or a combination of investing and operating activities; (6) Distributions Received from Equity Method Investees: When a reporting entity applies the equity method, it should make an accounting policy election to classify distributions received from equity method investees using either of the following approaches: a. Cumulative earnings approach: Distributions received are considered returns on investment and classified as cash inflows from operating activities, unless the investor&#146;s cumulative distributions received less distributions received in prior periods that were determined to be returns of investment exceed cumulative equity in earnings recognized by the investor. When such an excess occurs, the current-period distribution up to this excess should be considered a return of investment and classified as cash inflows from investing activities. b. Nature of the distribution approach: Distributions received should be classified on the basis of the nature of the activity or activities of the investee that generated the distribution as either a return on investment (classified as cash inflows from operating activities) or a return of investment (classified as cash inflows from investing activities) when such information is available to the investor. If an entity elects to apply the nature of the distribution approach and the information to apply that approach to distributions received from an individual equity method investee is not available to the investor, the entity should report a change in accounting principle on a retrospective basis by applying the cumulative earnings approach in (1) for that investee. In such situations, an entity should disclose that a change in accounting principle has occurred with respect to the affected investee(s) </font>due to the lack of available information and should provide the disclosures required in paragraphs 250-10-50-1(b) and 250-10-50-2, as applicable. This amendment does not address equity method investments measured using the fair value option; (7) Beneficial Interests in Securitization Transactions: A transferor&#146;s beneficial interest obtained in a securitization of financial assets should be disclosed as a non cash activity, and cash receipts from payments on a transferor&#146;s beneficial interests in securitized trade receivables should be classified as cash inflows from investing activities; (8) Separately Identifiable Cash Flows and Application of the Predominance Principle: The classification of cash receipts and payments that have aspects of more than one class of cash flows should be determined first by applying specific guidance in generally accepted accounting principles (GAAP). In the absence of specific guidance, an entity should determine each separately identifiable source or use within the cash receipts and cash payments on the basis of the nature of the underlying cash flows. An entity should then classify each separately identifiable source or use within the cash receipts and payments on the basis of their nature in financing, investing, or operating activities. In situations in which cash receipts and payments have aspects of more than one class of cash flows and cannot be separated by source or use, the appropriate classification should depend on the activity that is likely to be the predominant source or use of cash flows for the item. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity that elects early adoption must adopt all of the amendments in the same period. The amendments in this Update should be applied using a retrospective transition method to each period presented. If it is impracticable to apply the amendments retrospectively for some of the issues, the amendments for those issues would be applied prospectively as of the earliest date practicable. The Company is currently evaluating this ASU to determine the impact on its consolidated financial position, results of operations and cash flows. </font></p> <div> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">ASU No. 2016-13, &#147;</font><i><font style="font: x-small Times New Roman">Financial Instruments &#150; Credit Losses (Topic 326): Assets Measured at Amortized Cost.&#148; ASU 2016-</font></i><font style="font: x-small Times New Roman">13 requires a financial asset (or a group of financial assets) measured at amortized cost basis to be presented at the net amount expected to be collected. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of the financial asset(s) to present the net carrying value at the amount expected to be collected on the financial asset. The income statement reflects the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. The measurement of expected credit losses is based on relevant information about past events, including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. An entity must use judgment in determining the relevant information and estimation methods that are appropriate in its circumstances. The allowance for credit losses for purchased financial assets with a more-than insignificant amount of credit deterioration since origination (PCD assets) that are measured at amortized cost basis is determined in a similar manner to other financial assets measured at amortized cost basis; however, the initial allowance for credit losses is added to the purchase price rather than being reported as a credit loss expense. Only subsequent changes in the allowance for credit losses are recorded as a credit loss expense for these assets. Interest income for PCD assets should be recognized based on the effective interest rate, excluding the discount embedded in the purchase price that is attributable to the acquirer assessment of credit losses at acquisition. Available-for-Sale Debt Securities&#151;Credit losses relating to available-for-sale debt securities should be recorded through an allowance for credit losses. Available-for-sale accounting recognizes that value may be realized either through collection of contractual cash flows or through sale of the security. Therefore, the amendments limit the amount of the allowance for credit losses to the amount by which fair value is below amortized cost because the classification as available for sale is premised on an investment strategy that recognizes that the investment could be sold at fair value, if cash collection would result in the realization of an amount less than fair value. The allowance for credit losses for purchased available-for-sale securities with a more-than-insignificant amount of credit deterioration since origination is determined in a similar manner to other available-for-sale debt securities; however, the initial allowance for credit losses is added to the purchase price rather than reported as a credit loss expense. Only subsequent changes in the allowance for credit losses are recorded in credit loss expense. Interest income should be recognized based on the effective interest rate, excluding the discount embedded in the purchase price that is attributable to the acquirer&#146;s assessment of credit losses at acquisition. For public business entities that are U.S. Securities and Exchange Commission (SEC) filers, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. For all other public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements.</font></p></div> <p style="text-align: left"><b><font style="font: x-small Times New Roman">Note 6. Loans and the Allowance for Loan and Lease Losses</font></b><font style="font-family: Times New Roman"> </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of deferred loan fees and costs, premiums and discounts related to purchase accounting, and an allowance for loan and lease losses. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">Loan segments are defined as a group of loans and leases, which share similar initial measurement attributes, risk characteristics, and methods for monitoring and assessing credit risk. Management has determined that the Company has five segments of loans and leases: commercial (including lease financing), commercial real estate, commercial construction, residential real estate (including home equity) and consumer.</font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">Interest income on commercial, commercial real estate, commercial construction and residential loans are discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. A loan is moved to nonaccrual status in accordance with the Company&#146;s policy, typically after 90 days of non-payment. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.</font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">The policy of the Company is to generally grant commercial, residential and consumer loans to residents and businesses within its market area. The borrowers&#146; abilities to repay their obligations are dependent upon various factors including the borrowers&#146; income and net worth, cash flows generated by the borrowers&#146; underlying collateral, value of the underlying collateral, and priority of the lender&#146;s lien on the property. Such factors are dependent upon various economic conditions and individual circumstances beyond the control of the Company. The Company is therefore subject to risk of loss. The Company believes its lending policies and procedures adequately minimize the potential exposure to such risks and that adequate provisions for loan and lease losses are provided for all known and inherent risks. Collateral and/or personal guarantees are required for a large majority of the Company&#146;s loans. </font></p> <p style="text-align: left"><b><i><font style="font: x-small Times New Roman">Allowance for Loan and Lease Losses </font></i></b></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">The allowance for loan and lease losses is a valuation allowance for probable incurred credit losses. Losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan and lease loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management&#146;s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans, for which the terms have been modified, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (&#147;TDRs&#148;) and classified as impaired. As part of the evaluation of impaired loans, the Company individually reviews for impairment all non-homogeneous loans internally classified as substandard or below. Generally, smaller impaired non-homogeneous loans and impaired homogeneous loans are collectively evaluated for impairment.</font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#146;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">TDRs are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan&#146;s effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For TDRs that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan and lease losses. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors. The historical loss experience, the primary factor, is determined by loan class and is based on the actual loss history experienced by the Bank over an actual three-year rolling calculation. This actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment and with the exogenous factor adjustments based on the risks present for each loan category. These exogenous factors include consideration of the following: concentrations of credit; delinquency &#38; nonaccrual trends; economic &#38; business conditions including evaluation of the national and regional economies and industries with significant loan concentrations; external factors including legal, regulatory or competitive pressures that may impact the loan portfolio; changes in the experience, ability, or size of the lending staff, management, or board of directors that may impact the loan portfolio; changes in underwriting standards, collection procedures, charge-off practices, or other changes in lending policies and procedures that may impact the loan portfolio; loss and recovery trends; changes in portfolio size and mix; and trends in problem loans. </font></p> <p style="text-align: left"><b><i><font style="font: x-small Times New Roman">Purchased Credit-Impaired Loans </font></i></b><b><i><font style="font: x-small Times New Roman"></font></i></b><font style="font-family: Times New Roman"></font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">The Company purchases groups of loans in conjunction with mergers, some of which have shown evidence of credit deterioration since origination. These purchased credit impaired loans are recorded at the amount paid, such that there is no carryover of the seller&#146;s allowance for loan and lease losses. After acquisition, losses are recognized by an increase in the allowance for loan and lease losses. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">Such purchased credit-impaired loans (&#147;PCI&#148;) are accounted for individually. The Company estimates the amount and timing of expected cash flows for each loan and the expected cash flows in excess of amount paid is recorded as interest income over the remaining life of the loan (accretable yield). The excess of the loan&#146;s contractual principal and interest over expected cash flows is not recorded </font><font style="font: x-small Times New Roman">(nonaccretable difference).</font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">A PCI loan may be resolved either through a sale of the loan, by working with the customer and obtaining partial or full repayment, by short sale of the collateral, or by foreclosure. A gain or loss on resolution would be recognized based on the difference between the proceeds received and the carrying amount of the loan. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">Payments received earlier than expected or in excess of expected cash flows from sales or other resolutions may result in the carrying value of a pool being reduced to zero even though outstanding contractual balances and expected cash flows remain related to loans in the pool. Once the carrying value of a pool is reduced to zero, any future proceeds, which may include cash or real estate acquired in foreclosure, from the remaining loans, representing further realization of accretable yield, are recognized as interest income upon receipt. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">PCI loans that met the criteria for nonaccrual may be considered performing, regardless of whether the customer is contractually delinquent, if management can reasonably estimate the timing and amount of the expected cash flows on such loans and if management expects to fully collect the new carrying value of the loans. 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width: 4%"><font style="font: x-small Times New Roman">December 31,</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 91%"></td> <td nowrap="nowrap" colspan="3" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font: x-small Times New Roman">2016</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%">&#160;&#160;&#160;&#160;&#160;</td> <td nowrap="nowrap" colspan="3" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font: x-small Times New Roman">2015</font></td></tr> <tr> <td nowrap="nowrap" style="text-align: left; width: 91%">&#160;</td> <td nowrap="nowrap" colspan="7" style="text-align: center; width: 9%"><font style="font: x-small Times New Roman">(in thousands)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 91%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; 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width: 92%"><font style="font: x-small Times New Roman">Commercial real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,489</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">9,112</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 92%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;</td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,479</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 92%"><font style="font: x-small Times New Roman">Residential real estate</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,022</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,559</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; 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text-indent: 15pt"><font style="font: x-small Times New Roman">During the quarter ended September 30, 2016, the bank sold a lease financing receivable for approximately $2.6 million, net of closing costs. At the time of sale, the recorded investment of the lease financing receivable was $3.7 million, with a specific allowance for loan loss reserve of $1.3 million. The amount of net proceeds that exceeded the net carrying value was recorded as an increase to the allowance for loan losses. </font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">The Company continuously monitors the credit quality of its loans receivable. In addition to its internal staff, the Company utilizes the services of a third party loan review firm to rate the credit quality of its loans receivable. Credit quality is monitored by reviewing certain credit quality indicators. 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These conditions, if not corrected, may weaken the loan quality or inadequately protect the Company&#146;s credit position at some future date.</font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">Assets are classified &#147;Substandard&#148; if the asset has a well-defined weakness that requires management&#146;s attention to a greater degree than for loans classified special mention. Such weakness, if left uncorrected, could possibly result in the compromised ability of the loan to perform to contractual requirements.</font></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">An asset is classified as &#147;Doubtful&#148; if it is inadequately protected by the net worth and/or paying capacity of the obligor or of the collateral, if any, that secures the obligation. 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width: 76%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Special</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%">&#160;&#160;&#160;&#160;&#160; </td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Pass</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: center; width: 1%">&#160;&#160;&#160;&#160;&#160; </td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Mention</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: center; width: 1%">&#160;&#160;&#160;&#160;&#160; </td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Substandard</font></font></td> <td style="border-bottom: #000000 1pt solid; 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width: 76%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">531,599</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></font></td> <td nowrap="nowrap" style="text-align: right; 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width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,100,804</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial construction</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">469,735</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; 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background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">471,109</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Residential real estate</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">226,012</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,812</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; 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background-color: #cceeff">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%"><font style="font-size: larger"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Total loans</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,280,144</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">36,665</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">131,814</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,448,623</font></font></td></tr> <tr> <td colspan="16" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%"></td> <td style="text-align: center; width: 1%"></td> <td colspan="14" style="border-bottom: #000000 1pt solid; text-align: center; width: 23%"><font style="font-size: larger"><font style="font: x-small Times New Roman">December 31, 2015</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Special</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 3%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 76%"></td> <td nowrap="nowrap" style="text-align: center; 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width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">95,998</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">570,116</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">6,718</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">7,025</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Commercial real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">9,166</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">9,182</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,374</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,374</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Residential real estate</font></td> <td nowrap="nowrap" style="text-align: left; 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text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">67</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">67</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">20,714</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">21,471</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td></tr> <tr> <td colspan="10" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">102,682</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">3,823</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; 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text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">116,831</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">117,588</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; 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width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Recorded</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Principal</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Related</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Investment</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Balance</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Allowance</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #ffffff"><font style="font: x-small Times New Roman"><u>No related allowance recorded</u></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; background-color: #ffffff"></td> <td nowrap="nowrap" colspan="8" style="text-align: center; width: 11%; background-color: #ffffff"><font style="font: x-small Times New Roman">(in thousands)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">610</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">645</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Commercial real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">15,517</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">16,512</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">2,149</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">2,141</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Residential real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,954</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">4,329</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">87</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">86</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">22,317</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">23,713</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td></tr> <tr> <td colspan="10" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman"><u>With an allowance recorded</u></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">84,787</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">84,449</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">6,725</font></td></tr> <tr> <td colspan="10" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman"><u>Total</u></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">85,397</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">85,094</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">6,725</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">15,517</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">16,512</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Commercial construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,149</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,141</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">Residential real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">3,954</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">4,329</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">87</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">86</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 88%; background-color: #cceeff"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">107,104</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">108,162</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">6,725</font></td></tr></table></div><br /> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">The following table provides an analysis related to the average recorded investment and interest income recognized on impaired loans by segment as of and for the three and nine months ended September 30, 2016 and 2015 (in thousands): </font></p> <table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">46</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman">construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,224</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">21</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,479</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">979</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">54</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,479</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">Residential real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,271</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">5</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,221</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">7</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,247</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">15</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,251</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">12</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">70</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">100</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">74</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">3</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">102</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">4</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">20,398</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">158</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">10,381</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">23</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">16,784</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">276</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">10,444</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">62</font></font></td></tr> <tr> <td colspan="25" style="width: 100%; background-color: #cceeff">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman"><u>Impaired loans with an</u></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman"><u>allowance recorded:</u></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr> <td colspan="25" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">91,393</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">925</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">79,732</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">722</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">85,620</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,447</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">45,747</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,206</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman">Commercial real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">153</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">153</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">91,5476</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">925</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">79,732</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">722</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">102,577</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,447</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">45,747</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,206</font></font></td></tr> <tr> <td colspan="25" style="width: 100%; background-color: #cceeff">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman"><u>Total impaired loans:</u></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr> <td colspan="25" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">98,097</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">991</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">80,444</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">722</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">89,937</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,533</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">46,454</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,206</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman">Commercial real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">9,282</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">65</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">4,869</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">15</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">8,320</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">118</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">4,905</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">46</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,224</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">21</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,479</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">979</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">54</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,479</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman">Residential real estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,271</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">5</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,221</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">7</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,247</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">15</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,251</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">12</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%; background-color: #cceeff"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">70</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">100</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">74</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">3</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">102</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">4</font></font></td></tr> <tr> <td colspan="25" style="width: 100%; background-color: #cceeff">&#160; </td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 71%"><font style="font: x-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">111,944</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,083</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">90,113</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">745</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">102,557</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,753</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">56,191</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,268</font></font></td></tr></table><br /> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">Included in impaired loans at September 30, 2016 and December 31, 2015 are loans that are deemed troubled debt restructurings. The recorded investment in loans include accrued interest receivable and other capitalized costs such as real estate taxes paid on behalf of the borrower. 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width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="20" style="border-bottom: #000000 1pt solid; text-align: center; width: 27%"><font style="font: x-small Times New Roman">September 30, 2016</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%"><font style="font: x-small Times New Roman">90 Days or</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Greater than 90 Days</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">30-59 Days</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">60-89 Days</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%"><font style="font: x-small Times New Roman">Greater Past</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Total Loans</font></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Past Due and Still</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Past Due</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Past Due</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 2%"><font style="font: x-small Times New Roman">Due</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Current</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Receivable</font></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Accruing/Accreting</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%">&#160;&#160; </td> <td nowrap="nowrap" colspan="20" style="text-align: center; width: 27%"><font style="font: x-small Times New Roman">(in thousands)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;&#160; </td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">249</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;&#160; </td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">5,363</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;&#160; </td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">5,612</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;&#160; </td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">638,818</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff">&#160;&#160; </td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">644,430</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff">&#160;&#160; </td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">4,543</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">Commercial real</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">461</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">1,600</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">2,385</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">4,446</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,096,358</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,100,804</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">654</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">471,109</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">471,109</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">Residential real</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">505</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">924</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">1,778</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,207</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">226,194</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">229,401</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">9</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">9</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">2,870</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">2,879</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">975</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,773</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font: x-small Times New Roman">9,526</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">13,274</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,435,349</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,448,623</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 2%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font: x-small Times New Roman">5,197</font></td></tr> <tr> <td nowrap="nowrap" colspan="22" style="width: 100%">&#160;</td></tr> <tr> <td nowrap="nowrap" colspan="22" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="20" style="border-bottom: #000000 1pt solid; text-align: center; width: 27%"><font style="font: x-small Times New Roman">December 31, 2015</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%"><font style="font: x-small Times New Roman">90 Days or</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Greater than 90 Days</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">30-59 Days</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">60-89 Days</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%"><font style="font: x-small Times New Roman">Greater Past</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Total Loans</font></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Past Due and Still</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Past Due</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Past Due</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 2%"><font style="font: x-small Times New Roman">Due</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Current</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Receivable</font></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Accruing/Accreting</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="20" style="text-align: center; width: 27%"><font style="font: x-small Times New Roman">(in thousands)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">6,887</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">3,505</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">6,865</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">17,257</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">552,859</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">570,116</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">Commercial real</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">1,998</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">988</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">9,561</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">12,547</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">1,954,149</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">1,966,696</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">construction</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,479</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,479</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">327,359</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">328,838</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">Residential real</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">estate</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">2,122</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">2,122</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">231,568</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: x-small Times New Roman">233,690</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">4</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">9</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">13</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">2,441</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">2,454</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">8,889</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">4,502</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font: x-small Times New Roman">20,027</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">33,418</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,068,376</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: x-small Times New Roman">3,101,794</font></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 2%"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td></tr></table><br /> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">Included in the 90 days and still accruing/accreting bucket are three purchased credit-impaired loans, net of their fair value marks, which are accreting income per their valuation at date of acquisition. </font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">The following tables detail, at the period-end presented, the amount of gross loans (excluding loans held-for-sale) that are evaluated individually, and collectively, for impairment, those acquired with deteriorated quality, and the related portion of the allowance for loan and lease losses that are allocated to each loan portfolio segment: </font></p> <table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="20" style="border-bottom: #000000 1pt solid; text-align: center; width: 27%"><font style="font: xx-small Times New Roman">September 30, 2016</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: xx-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: xx-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: xx-small Times New Roman">Residential</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%">&#160;&#160;&#160; </td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: xx-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: center; width: 1%">&#160;&#160;&#160; </td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: xx-small Times New Roman">real estate</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: center; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Individually evaluated for impairment</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160; 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width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: xx-small Times New Roman">13,036</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; 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width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">4,072</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">1,174</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">4</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">594</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">24,579</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Acquired portfolio</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; text-align: right"><font style="font: xx-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">20,396</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">11,375</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font: xx-small Times New Roman">4,072</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">1,174</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">4</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">594</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font: xx-small Times New Roman">37,615</font></td></tr> <tr> <td colspan="22" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><u><font style="font: xx-small Times New Roman">Gross loans</font></u></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Individually evaluated for impairment</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">102,682</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">9,319</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font: xx-small Times New Roman">1,374</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">3,389</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">67</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: xx-small Times New Roman">116,831</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: xx-small Times New Roman">Collectively evaluated for impairment</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">487,657</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">1,480,859</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">462,687</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">153,488</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">2,178</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">2,586,869</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Acquired portfolio</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">47,064</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">609,624</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font: xx-small Times New Roman">7,048</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">72,524</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">634</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: xx-small Times New Roman">736,894</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: xx-small Times New Roman">Acquired with deteriorated credit quality</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">7,027</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">1,002</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">8,029</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; text-align: right"><font style="font: xx-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">644,430</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">2,100,804</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font: xx-small Times New Roman">471,109</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">229,401</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">2,879</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font: xx-small Times New Roman">3,448,623</font></td></tr> <tr> <td colspan="22" style="width: 100%">&#160;</td></tr> <tr> <td colspan="22" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="20" style="border-bottom: #000000 1pt solid; text-align: center; width: 27%"><font style="font: xx-small Times New Roman">December 31, 2015</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: xx-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 4%"><font style="font: xx-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 3%"><font style="font: xx-small Times New Roman">Residential</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: xx-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: xx-small Times New Roman">real estate</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 4%"><font style="font: xx-small Times New Roman">construction</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: xx-small Times New Roman">real estate</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: xx-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 3%"><font style="font: xx-small Times New Roman">Unallocated</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="2" style="border-bottom: #000000 1pt solid; text-align: center; width: 2%"><font style="font: xx-small Times New Roman">Total</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="20" style="text-align: center; width: 27%"><font style="font: xx-small Times New Roman">(in thousands)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><u><font style="font: xx-small Times New Roman">Allowance for loan and lease losses</font></u></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Individually evaluated for impairment</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">6,725</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: xx-small Times New Roman">6,725</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: xx-small Times New Roman">Collectively evaluated for impairment</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">4,224</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">10,926</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">3,253</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">976</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">4</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">464</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">19,847</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Acquired portfolio</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: xx-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: xx-small Times New Roman">Acquired with deteriorated credit quality</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; text-align: right"><font style="font: xx-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">10,949</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">10,926</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font: xx-small Times New Roman">3,253</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">976</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">4</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">464</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font: xx-small Times New Roman">26,572</font></td></tr> <tr> <td colspan="22" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><u><font style="font: xx-small Times New Roman">Gross loans</font></u></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Individually evaluated for impairment</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">85,397</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">15,517</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font: xx-small Times New Roman">2,149</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">3,954</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">87</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: xx-small Times New Roman">107,104</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: xx-small Times New Roman">Collectively evaluated for impairment</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">395,424</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">1,269,140</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">315,785</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">136,633</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">1,649</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">2,118,631</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font: xx-small Times New Roman">Acquired portfolio</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">82,217</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">680,264</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 3%"><font style="font: xx-small Times New Roman">10,904</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">92,775</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font: xx-small Times New Roman">718</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 2%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: xx-small Times New Roman">866,878</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font: xx-small Times New Roman">Acquired with deteriorated credit quality</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">7,078</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">1,775</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">328</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">9,181</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; text-align: right"><font style="font: xx-small Times New Roman">Total</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">570,116</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">1,966,696</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%"><font style="font: xx-small Times New Roman">328,838</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">233,690</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">2,454</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%"><font style="font: xx-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%"><font style="font: xx-small Times New Roman">3,101,794</font></td></tr></table><br /> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">The Company&#146;s allowance for loan and lease losses is analyzed quarterly. Many factors are considered, including growth in the portfolio, delinquencies, nonaccrual loan levels, and other factors inherent in the extension of credit. There have been no material changes to the allowance for loan and lease losses methodology as disclosed in the Company&#146;s Annual Report on Form 10-K for the year ended December 31, 2015. </font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">A summary of the activity in the allowance for loan and lease losses is as follows: </font></p> <table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="26" style="border-bottom: #000000 1pt solid; text-align: center; width: 26%"><font style="font: x-small Times New Roman">Three Months Ended September 30, 2016</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Residential</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; 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width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">(27</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">1</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">12</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr> <td colspan="28" style="width: 100%; background-color: #cceeff">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%"><font style="font: x-small Times New Roman">Provision</font></td> <td nowrap="nowrap" style="text-align: left; 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text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">(115</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">6,750</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td></tr> <tr> <td nowrap="nowrap" style="text-align: left; width: 73%">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%; background-color: #cceeff"><font style="font: x-small Times New Roman">Balance at September 30,</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%; background-color: #cceeff"><font style="font: x-small Times New Roman">2016</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">20,396</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">11,375</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">4,072</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,174</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">4</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">594</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">37,615</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr> <td colspan="28" style="width: 100%">&#160;</td></tr> <tr> <td colspan="28" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="26" style="border-bottom: #000000 1pt solid; text-align: center; width: 26%"><font style="font: x-small Times New Roman">Three Months Ended September 30, 2015</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%"><font style="font: x-small Times New Roman">Commercial</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%"><font style="font: x-small Times New Roman">Residential</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="border-bottom: Black 1pt solid; text-align: left; width: 73%"></td> <td style="text-align: center; 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width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="border-bottom: Black 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Consumer</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="border-bottom: Black 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Unallocated</font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="border-bottom: Black 1pt solid; text-align: center; width: 3%"><font style="font: x-small Times New Roman">Total</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="26" style="text-align: center; width: 26%"><font style="font: x-small Times New Roman">(in thousands)</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%; background-color: #cceeff"><font style="font: x-small Times New Roman">Balance at June 30, 2015</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">4,633</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">9,195</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,945</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">1,161</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">7</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">539</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">17,480</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr> <td colspan="28" style="width: 100%; background-color: #cceeff">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%"><font style="font: x-small Times New Roman">Charge-offs</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">(124</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font: x-small Times New Roman">(124</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td></tr> <tr> <td colspan="28" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%; background-color: #cceeff"><font style="font: x-small Times New Roman">Recoveries</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">2</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">2</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr> <td colspan="28" style="width: 100%; background-color: #cceeff">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%"><font style="font: x-small Times New Roman">Provision</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">2,488</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">1,203</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">701</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">(149</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">(3</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">(65</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"><font style="font: x-small Times New Roman">)</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font: x-small Times New Roman">4,175</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td></tr> <tr> <td nowrap="nowrap" style="text-align: left; width: 73%">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%; background-color: #cceeff"><font style="font: x-small Times New Roman">Balance at September 30,</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 73%; background-color: #cceeff"><font style="font: x-small Times New Roman">2015</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; 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text-align: right; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">21,533</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td></tr></table><br /> <table cellspacing="0" cellpadding="0" border="0" style="line-height: 14pt; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="26" style="border-bottom: #000000 1pt solid; text-align: center; width: 27%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Nine Months Ended September 30, 2016</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; 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width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid">&#160;&#160;&#160; </td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 4%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid">&#160;&#160;&#160; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2015</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; 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width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">(94</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">)</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">(10</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">)</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">(2,500</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">)</font></font></td></tr> <tr> <td colspan="28" style="width: 100%"><font style="font-size: larger">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">Recoveries</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">35</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">3</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">3</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">43</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr> <td colspan="28" style="width: 100%; background-color: #cceeff"><font style="font-size: larger">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Provision</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">11,841</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">414</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">819</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">289</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">7</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">130</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">13,500</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td></tr> <tr> <td colspan="28" style="width: 100%"><font style="font-size: larger">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">Balance at September 30,</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2016</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">20,396</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">11,375</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">4,072</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,174</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">4</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">594</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">37,615</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr> <td colspan="28" style="width: 100%">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="26" style="border-bottom: #000000 1pt solid; text-align: center; width: 27%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Nine Months Ended September 30, 2015</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 2%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Residential</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 4%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">Commercial</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">real estate</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="2" style="text-align: center; width: 2%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">construction</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">real estate</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">Consumer</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">Unallocated</font></font></td> <td nowrap="nowrap" style="text-align: center; width: 1%; border-bottom: Black 1pt solid"></td> <td nowrap="nowrap" colspan="3" style="text-align: center; width: 3%; border-bottom: Black 1pt solid"><font style="font-size: larger"><font style="font: x-small Times New Roman">Total</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"></td> <td nowrap="nowrap" style="text-align: center; width: 1%"></td> <td nowrap="nowrap" colspan="26" style="text-align: center; width: 27%"><font style="font-size: larger"><font style="font: x-small Times New Roman">(in thousands)</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">Balance at December 31,</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2014</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">3,083</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">7,799</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,239</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,113</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">7</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">919</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">14,160</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr> <td colspan="28" style="width: 100%; background-color: #cceeff"><font style="font-size: larger">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Charge-offs</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">(100</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">)</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">(406</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">)</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">(13</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">)</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">(519</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">)</font></font></td></tr> <tr> <td colspan="28" style="width: 100%"><font style="font-size: larger">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">Recoveries </font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">342</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr> <td colspan="28" style="width: 100%; background-color: #cceeff"><font style="font-size: larger">&#160;</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%"><font style="font-size: larger"><font style="font: x-small Times New Roman">Provision</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 2%"><font style="font-size: larger"><font style="font: x-small Times New Roman">4,128</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,554</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,407</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">(103</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">)</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">9</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">(445</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">)</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 1%"><font style="font-size: larger"><font style="font: x-small Times New Roman">7,550</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 72%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2015</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">7,123</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">10,274</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">2,646</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">1,012</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">4</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">474</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">$</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">21,533</font></font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"></td></tr></table><br /> <p style="text-align: left"><b><u><font style="font: x-small Times New Roman">Troubled Debt Restructurings</font></u></b><b><font style="font: x-small Times New Roman"> </font></b></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">At September 30, 2016, there were no commitments to lend additional funds to borrowers whose loans were on nonaccrual status or were contractually past due in excess of 90 days and still accruing interest, or whose terms have been modified in troubled debt restructurings. </font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">The policy of the Company generally is to grant commercial, mortgage and consumer loans to residents and businesses within its market area. The ability of borrowers to repay their obligations is dependent upon various factors, including the borrowers&#146; income and net worth, cash flows generated by the borrowers&#146; underlying collateral, value of the underlying collateral, and priority of the lender&#146;s lien on the property. Such factors are dependent upon various economic conditions and individual circumstances beyond the control of the Company. The Company is therefore subject to risk of loss. The Company believes its lending policies and procedures adequately minimize the potential exposure to such risks and that adequate provisions for loan and lease losses are provided for all known and inherent risks. Collateral and/or personal guarantees are required for virtually all loans. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms.</font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">Loans modified in troubled debt restructurings totaled $106.7 million at September 30, 2016, of which $1.4 million were on nonaccrual status and $105.3 million were performing under restructured terms. At December 31, 2015, loans modified in troubled debt restructurings totaled $86.6 million, of which $0.7 million were on nonaccrual status and $85.9 million were performing under restructured terms. The Company has allocated $12.5 and $4.5 million in specific allocations with respect to loans whose loan terms had been modified in troubled debt restructurings as of September 30, 2016 and December 31, 2015, respectively. Performing TDRs as of September 30, 2016 increased the allowance for loan and lease losses by $5.0 and $8.3 million during the three and nine months ended September 30, 2016, respectively. Performing TDRs as of December 31, 2015 did not increase the allowance for loan and lease losses during the year ended December 31, 2015. </font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">The $12.5 million in specific allocations referenced above were associated with New York City taxi medallion lending and were calculated based on the present value of estimated cash flows, including contractual debt interest service through maturity, and principal repayments based on the estimated fair value of the collateral excluding any consideration for personal guarantees of borrowers, which provide an additional source of repayment but cannot be relied upon. The valuation per New York City corporate medallion used for the calculation at September 30, 2016 was approximately $700,000. 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width: 4%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: center; width: 4%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: center; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: center; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: center; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: center; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: center; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: center; width: 1%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 83%"><font style="font-size: larger"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Commercial</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 4%"></td> <td nowrap="nowrap" style="text-align: right; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 83%"><font style="font-size: larger"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Consumer</font></font></td> <td nowrap="nowrap" style="text-align: right; width: 4%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; width: 4%"><font style="font-size: larger"><font style="font: x-small Times New Roman">-</font></font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; width: 1%"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 2%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 83%"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160; Commercial</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%"></td> <td nowrap="nowrap" style="text-align: right; width: 6%"><font style="font: x-small Times New Roman">47</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 3%; background-color: #cceeff"><font style="font: x-small Times New Roman">75,363</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 2pt double; text-align: right; width: 2%; background-color: #cceeff"><font style="font: x-small Times New Roman">75,363</font></td></tr></table><br /> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">The troubled debt restructurings included in the table above were loans secured by New York City taxi medallions that were modified during the third quarter of 2015. The modifications consisted of a deferral of principal amortization from approximately 25-30 year amortization to interest-only. There was no extension of the loans&#146; contractual maturity dates, there was no forgiveness of principal, and the interest rates on these loans were increased from approximately 3%-3.25% to 3.75%. These loans were accruing prior to modification and remained in accrual status post-modification. </font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">The troubled debt restructurings described above increased the allowance for loan and lease losses by $2.0 million during the nine months ended September 30, 2015. There were no charge-offs in connection with a loan modification at the time of modification during the nine months ended September 30, 2015. There were no troubled debt restructurings for which there was a payment default within twelve months following the modification during the nine months ended September 30, 2015.</font></p> <p style="text-align: left"><b><font style="font: x-small Times New Roman">Note 7 - Fair Value Measurements and Fair Value of Financial Instruments</font></b><font style="font: x-small Times New Roman"> </font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair value: </font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">FASB ASC 820-10-05 defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurements and enhances disclosure requirements for fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date.</font><font style="font: x-small Times New Roman"> </font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">FASB ASC 820-10-65 provides additional guidance for estimating fair value in accordance with FASB ASC 820-10-05 when the volume and level of activity for the asset or liability have significantly decreased. This ASC also includes guidance on identifying circumstances that indicate a transaction is not orderly.</font><font style="font: x-small Times New Roman"> </font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">FASB ASC 820-10-05 establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy under FASB ASC 820-10-05 are as follows: </font></p> <p style="padding-left: 30pt; text-align: left"><font style="font: x-small Times New Roman"></font><i><font style="font: x-small Times New Roman">Level 1: </font></i><font style="font: x-small Times New Roman">Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities.</font><font style="font: x-small Times New Roman"> </font></p> <p style="padding-left: 30pt; text-align: left"><i><font style="font: x-small Times New Roman">Level 2: </font></i><font style="font: x-small Times New Roman">Quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. </font></p> <p style="padding-left: 30pt; text-align: left"><i><font style="font: x-small Times New Roman">Level 3: </font></i><font style="font: x-small Times New Roman">Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (for example, supported with little or no market activity).</font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">An asset&#146;s or liability&#146;s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.</font><font style="font: x-small Times New Roman"> </font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company&#146;s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company&#146;s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Company&#146;s assets measured at fair value on a recurring basis at September 30, 2016 and December 31, 2015:</font><font style="font: x-small Times New Roman"> </font></p> <p style="text-indent: 15pt; text-align: left"><b><i><font style="font: x-small Times New Roman">Securities Available-for-Sale</font></i></b><font style="font: x-small Times New Roman"> </font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 inputs include securities that have quoted prices in active markets for identical assets. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. Examples of instruments, which would generally be classified within Level 2 of the valuation hierarchy include municipal bonds and certain agency collateralized mortgage obligations. In certain cases where there is limited activity in the market for a particular instrument, assumptions must be made to determine the fair value of the instruments and these are classified as Level 3. When measuring fair value, the valuation techniques available under the market approach, income approach and/or cost approach are used. The Company&#146;s evaluations are based on market data and the Company employs combinations of these approaches for its valuation methods depending on the asset class. </font></p> <p style="text-indent: 15pt; text-align: left"><b><i><font style="font: x-small Times New Roman">Derivatives</font></i></b></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">The fair value of derivatives are based on valuation models using observable market data as of the measurement date (level 2). Our derivatives are traded in an over-the-counter market where quoted market prices are not always available. Therefore, the fair values of derivatives are determined using quantitative models that utilize multiple market inputs. The inputs will vary based on the type of derivative, but could include interest rates, prices and indices to generate continuous yield or pricing curves, prepayment rate, and volatility factors to value the position. The majority of market inputs are actively quoted and can be validated through external sources, including brokers, market transactions and third-party pricing services. </font></p> <p style="text-indent: 15pt; text-align: left"><b><i><font style="font: x-small Times New Roman">Loans Held-for-sale</font></i></b><font style="font: x-small Times New Roman"> </font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">Loans held-for-sale are required to be measured at the lower of cost or fair value. Under FASB ASC 820-10-05, market value is to represent fair value. Management obtains quotes or bids on all or part of these loans directly from the purchasing financial institutions.</font><font style="font: x-small Times New Roman"> </font></p> <p style="text-indent: 15pt; text-align: left"><b><i><font style="font: x-small Times New Roman">Loans Receivable</font></i></b><font style="font: x-small Times New Roman"> </font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">The fair value of performing loans, except residential mortgages, is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risks inherent in the loan. The estimate of maturity is based on the historical experience of the Bank with prepayments for each loan classification, modified as required by an estimate of the effect of current economic and lending conditions. For performing residential mortgage loans, fair value is estimated by discounting contractual cash flows adjusted for prepayment estimates using discount rates based on secondary market sources adjusted to reflect differences in servicing and credit costs.</font><b><font style="font: x-small Times New Roman"> </font></b></p> <p style="text-indent: 15pt; text-align: left"><b><i><font style="font: x-small Times New Roman">Off-Balance Sheet Financial Instruments</font></i></b><font style="font: x-small Times New Roman"> </font></p> <p style="text-indent: 15pt; text-align: left"><font style="font: x-small Times New Roman">The fair value of commitments to extend credit is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. 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left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: center"></td> <td nowrap="nowrap" colspan="2" style="text-align: center"><font style="font: x-small Times New Roman">in Active</font></td> <td nowrap="nowrap" style="text-align: center"></td> <td nowrap="nowrap" colspan="2" style="text-align: center"><font style="font: x-small Times New Roman">Significant</font></td> <td nowrap="nowrap" style="text-align: center"></td> <td nowrap="nowrap" style="text-align: center"></td> <td nowrap="nowrap" style="text-align: center"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: center"></td> <td nowrap="nowrap" colspan="2" style="text-align: center"><font 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Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Federal agency obligations</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; background-color: #cceeff"><font style="font: x-small Times New Roman">56,099</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; background-color: #cceeff"><font style="font: x-small Times New Roman">56,099</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"><font style="font: x-small Times New Roman">$&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></td> <td nowrap="nowrap" style="text-align: right; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Residential mortgage pass-</font></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;through securities</font></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: right"><font style="font: 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nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;political subdivision</font></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: right"><font style="font: x-small Times New Roman">141,361</font></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: right"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: right"><font style="font: x-small Times New Roman">123,026</font></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: right"><font style="font: x-small Times New Roman">18,335</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Trust preferred securities</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; background-color: #cceeff"><font style="font: x-small Times New Roman">5,675</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; background-color: #cceeff"><font style="font: x-small Times New Roman">5,675</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left"><font style="font: x-small Times New 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style="text-align: right; background-color: #cceeff"><font style="font: x-small Times New Roman">15,502</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Certificates of deposit</font></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: right"><font style="font: x-small Times New Roman">988</font></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" 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#cceeff"><font style="font: x-small Times New Roman">425</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; background-color: #cceeff"><font style="font: x-small Times New Roman">425</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other securities</font></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right"><font style="font: x-small Times New Roman">12,343</font></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right"><font style="font: x-small Times New Roman">12,343</font></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: left"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right"><font style="font: x-small Times New Roman">-</font></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"><font style="font: x-small Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total available-for-sale</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff; border-bottom: Black 2pt double"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; background-color: #cceeff; border-bottom: Black 2pt double"><font style="font: x-small Times New Roman">338,459</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff; border-bottom: Black 2pt double"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; background-color: #cceeff; border-bottom: Black 2pt double"><font style="font: x-small Times New Roman">12,768</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff; border-bottom: Black 2pt double"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; background-color: #cceeff; border-bottom: Black 2pt double"><font style="font: x-small Times New Roman">307,356</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff; border-bottom: Black 2pt double"><font style="font: x-small Times New 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background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; background-color: #cceeff"><font style="font: x-small Times New Roman">1,212</font></td> <td nowrap="nowrap" style="text-align: left; background-color: #cceeff"></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: left; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="border-bottom: #000000 1pt solid; text-align: right; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td></tr> <tr> <td colspan="13" style="text-align: left; background-color: #cceeff">&#160;</td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left"><font style="font: x-small Times New Roman">Total 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width: 1%; background-color: #cceeff">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: x-small Times New Roman">-</font></td> <td nowrap="nowrap" style="text-align: right; width: 1%; background-color: #cceeff">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: x-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: x-small Times New Roman">3,751</font></td></tr></table><br /> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">The following methods and assumptions were used to estimate the fair values of the Company&#146;s assets measured at fair value on a non-recurring basis at September 30, 2016 and December 31, 2015.</font></p> <p style="text-align: left; text-indent: 15pt"><b><font style="font: x-small Times New Roman">Impaired loans. </font></b><font style="font: x-small Times New Roman">The value of the impaired loans above were measured based upon the fair value of the collateral of the loans. Smaller balance homogeneous loans that are collectively evaluated for impairment, such as residential mortgage loans and consumer loans, are specifically excluded from the impaired loan portfolio. Collateral dependent impaired loans are individually assessed to determine that each loan&#146;s carrying value is not in excess of the fair value of the related collateral. Collateral dependent impaired loans at September 30, 2016 that required a valuation allowance were $0.9 million with a related valuation allowance of $0.5 million compared to $6.0 million with a related valuation allowance of $2.2 million at December 31, 2015. </font></p> <p style="text-align: left"><b><i><font style="font: x-small Times New Roman">Fair Value of Financial Instruments</font></i></b></p> <p style="text-align: left; text-indent: 15pt"><font style="font: x-small Times New Roman">FASB ASC 825-10 requires all entities to disclose the estimated fair value of their financial instrument assets and liabilities. For the Company, as for most financial institutions, the majority of its assets and liabilities are considered financial instruments as defined in FASB ASC 825-10. Many of the Company&#146;s financial instruments, however, lack an available trading market as characterized by a willing buyer and willing seller engaging in an exchange transaction. It is also the Company&#146;s general practice and intent to hold its financial instruments to maturity and not to engage in trading or sales activities except for loans held-for-sale and investment securities available-for-sale. Therefore, significant estimations and assumptions, as well as present value calculations, were used by the Company for the purposes of this disclosure.</font></p> <p style="text-align: left; text-indent: 15pt"><b><font style="font: x-small Times New Roman">Cash and cash equivalents.</font></b><font style="font: x-small Times New Roman"> The carrying amounts of cash and short-term instruments approximate fair values. </font></p> <p style="text-align: left; text-indent: 15pt"><b><font style="font: x-small Times New Roman">FHLB stock.</font></b><font style="font: x-small Times New Roman"> It is not practical to determine the fair value of FHLB stock due to restrictions placed on its transferability. </font></p> <p style="text-align: left; text-indent: 15pt"><b><font style="font: x-small Times New Roman">Investment Securities Held-to-Maturity.</font></b><font style="font: x-small Times New Roman"> The fair value of the Company&#146;s investment securities held-to-maturity was primarily measured using information from a third-party pricing service. If quoted prices were not available, fair values were estimated primarily by obtaining quoted prices for similar assets in active markets or through the use of pricing models. In cases where there may be limited or less transparent information provided by the Company&#146;s third-party pricing service, fair value may be estimated by the use of secondary pricing services or through the use of non-binding third-party broker quotes. </font></p> <p style="text-align: left; text-indent: 15pt"><b><font style="font: x-small Times New Roman">Loans.</font></b><font style="font: x-small Times New Roman"> The fair value of the Company&#146;s loans was estimated by discounting the expected future cash flows using the current interest rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. Loans were segregated by types such as commercial, residential and consumer loans. 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width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"><font style="font: xx-small Times New Roman">$</font></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"><font style="font: xx-small Times New Roman">-</font></td></tr> <tr> <td nowrap="nowrap" style="text-align: left; width: 75%; background-color: #cceeff">&#160;</td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: right; width: 3%; background-color: #cceeff"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 75%"><u><font style="font: xx-small Times New Roman">December 31, 2015</font></u></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 1%"></td> <td nowrap="nowrap" style="text-align: left; width: 3%"></td></tr> <tr style="vertical-align: bottom"> <td nowrap="nowrap" style="text-align: left; width: 75%; background-color: #cceeff"><font style="font: xx-small Times New Roman">Financial assets</font></td> <td nowrap="nowrap" style="text-align: left; width: 1%; background-color: #cceeff"></td> <td nowrap="nowrap" style="text-align: left; 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rates By remaining period to maturity: One year or less (in Dollars) One year or less One to two years (in Dollars) One to two years Two to three years (in Dollars) Two to three years Three to four years (in Dollars) Three to four years Four to five years (in Dollars) Four to five years Percentage by which fair value of pledged securities must meet or exceed gross outstanding balance Securities carrying amount Average daily balance during the year-to-date Average interest rate during the year-to-date Maximum month-end balance during the year-to-date Weighted average interest rate during the year-to-date Total Borrowings Amounts related to agreements not included in offsetting disclosure in Note 14: Subordinated Debentures (Details) [Table] Subordinated Debentures (Details) [Line Items] Value of subordinated debentures received by Trust Percentage Rate Added to Libor Floating interest rate on subordinated debentures Proceeds from Issuance of Debt Debt Instrument, Term Debt Instrument, Interest Rate, Stated Percentage Debt Instrument, Description of Variable Rate Basis Debt Instrument, Basis Spread on Variable Rate Debt Issuance Cost Schedule of Subordinated Borrowing [Abstract] Issuance Date Securities Issued Liquidation Value Coupon Rate Maturity Redeemable by Issuer Beginning Gross Amounts Recognized, Assets Gross Amounts Offset in the Statement of Financial Position Net Amounts of Assets Presented in the Statement of Financial Position, Assets Financial Instruments Recognized, Assets Cash or Financial Instrument Collateral, Assets Net Amount, Assets Gross Amounts Recognized, Liabilities Gross Amounts Offset in the Statement of Financial Position, Liabilities Net Amounts of Assets Presented in the Statement of Financial Position, Liabilities Financial Instruments Recognized, Liabilities Cash or Financial Instrument Collateral, Liabilities Net Amount, Liabilities Gross Amounts Recognized, Total Gross Amounts Offset in the Statement of Financial Position, Total Net Amounts of Assets Presented in the Statement of Financial Position, Total Financial Instruments Recognized, Total Cash or Financial Instrument Collateral, Total Net Amount, Total Total assets Subordinated debentures Total liabilities Subordinated debentures debt issuance costs. Deposit, loan and other income. Tax effect of the income statement impact of the reclassification adjustment for unrealized gain (loss) realized upon the sale of available-for-sale securities. Other comprehensive income loss reclassification adjustment for net gains tax effect. Other comprehensive income loss reclassification adjustment for net gains net of tax. Amortization of unrealized holding gains on securities transferred from available for sale to held to maturity securities before tax. Amortization of unrealized holding gains on securities transferred from available for sale to held to maturity securities tax. Amortization of unrealized holding gains on securities transferred from available-for-sale to held-to-maturity securities, net of tax. Unrealized holding gain on cash flow hedge before tax. Unrealized holding gain on cash flow hedge tax. Unrealized holding gain on cash flow hedge net of tax. Stock issued during period value restricted stock and performance units award gross. Increase in subordinated debt. Net decrease in repurchase agreements. Securities sold under agreements to repurchase text block. Debt Related Fees and Deb Issuance Costs [TextBlock] Loans and leases receivable purchase credit impaired loans. Loans and Leases Receivable Purchased Loans. Schedule of average balance and interest income recognized on impaired loans. Schedule of recorded investment in financing receivables. Share based compensation stock option plan. Tabular disclosure of schedule of unearned performance unit awards. Cutstom Element. Cutstom Element. Federal Agency Obligations. Trust Preferred Securities. Corporate Bonds and Notes. Other securities Available for sale securities gross unrealized gain accumulated in investments. Available for sale securities gross unrealized loss accumulated in investments. Held to maturity securities accumulated unrecognized holding gain. Held to maturity securities accumulated unrecognized gross holding loss. Total investment securities, amortized cost. Total investment securities, gross unrealized gains. Total investment securities, gross unrealized losses. Total investment securities, fair value. Cutstom Element. Cutstom Element. Securities available for sale net. Proceeds from sale of investment securities. Tax provision on gain on sale of investments. Gain loss on sale of investments net of tax. Cutstom Element. Cutstom Element. Obligation of us states and political subdivisions. Amount of accumulated pre-tax unrealized loss on investments on securities classified as available-for-sale securities impacting investments. Amount of accumulated pre-tax unrealized loss on investments in available-for-sale securities that have been in a loss position for less than twelve months impacting investments. Amount of accumulated pre-tax unrealized loss on investments in available-for-sale securities that have been in a loss position for less than twelve months impacting investments. This item represents the excess of amortized cost basis over fair value of securities in a loss position and which are categorized as held-to-maturity. Investment securities held-to-maturity: less than 12 months, unrealized losses. Amount of accumulated pre-tax unrealized loss on investments in held-to-maturity securities that have been in a loss position for twelve months or longer. Temporarily impaired securities, total fair value. Temporarily impaired securities, total unrealized losses. Temporarily impaired securities, less than 12 months, fair value. Temporarily impaired securities, less than 12 months, aggregate losses. Temporarily impaired securities, 12 months or longer, fair value. Temporarily impaired securities, 12 months or longer, aggregate losses. Number of investment securities sold. Description of holding securities. Cutstom Element. Weighted average receive rates. Cutstom Element. Cutstom Element. Cutstom Element. Cutstom Element. Interest expense on derivatives. Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements. Cutstom Element. Cutstom Element. Loans and leases receivable purchased loans. New loans purchased. Loans and leases receivable purchased loans accretion of income. Reclassification from nonaccretable differences. Disposals. Cutstom Element. Cutstom Element. Impaired financing receivable with related allowance. Cutstom Element. Cutstom Element. Acquired loans. Loans and the allowance fo rloan losses details table. Loans and the allowance for loan losses details line items. Non accrual contractual due. Loans performing under the restructured terms Allowance for loan and lease losses period increase decrease due to trouble debt restructuring. Amortization period for interest. Specific allocations associated with taxi medallion, fair value. Modified specific allocations associated with taxi medallion, fair value. Valuation per Medallion Amount. Cutstom Element. Cutstom Element. Certificate of deposit. Market capitalization [Member]. Impaired loans. Appraisals of collateral valuation technique. Custom Element. Custom Element. Carrying value of investment in debt and equity securities categorized neither as held-to-maturity nor trading. Fair value as of the balance sheet date of non interest-bearing deposit liabilities. Fair value as of the balance sheet date of interest-bearing deposit liabilities. Derivatives liabilities carrying amount. Amount of allowance for credit losses related to recorded investment. Accumulated other comprehensive income loss cash flow hedge. Accumulated other comprehensive income (loss), unamortized component of securities transferred from available-for-sale to held-to-maturity, net of tax. Intrinsic value of options exercised. Cash received from options exercised. Weighted average fair value of options granted. Nonvested member. Unearned member. Employee Director Stock Option Plan 2009. Share based compensation arrangement by share based payment award number of plans. Unrecognized compensation cost related to nonvested shares. Weighted average period related to compensation cost. Defined benefit plan amortization and deferral net. Defined benefit plan amounts recognized in net periodic benefit cost and other comprehensive income before tax. Federal home loan bank. Federal home loan bank note two. Federal home loan bank note three. Number of federal home loan bank notes. Average daily balance during the year. Weighted average interest rate during the year. Description of liquidation value per capital share. Rate added to LIBOR. Redeemable by issuer beginning date. Cutstom Element. Cutstom Element. Value of subordinated debentures received by Trust. Percentage rate added to LIBOR. Floating interest rate on subordinated debentures. Financial instruments recognized assets. Cash or financial instrument collateral assets. Financial instruments recognized assets net amount. Financial instruments recognized liabilities. Cash or financial instrument collateral liabilities. Financial instruments recognized liabilities. Gross amounts recognized total. Gross amounts offset in the statement of financial position total amount. Net amounts of assets presented in the statement of financial position. Net amount of financial instruments recognized. Debt Issuance Cost. Subordinated Debt from Trust [Member] Fixed-to-floating Rate Subordinated Notes [Member] Average interest rate during the year. Issuance date of the preferred securities. Accretion on bank premises. Accretion on deposits. Accretion on borrowings. Redemption of preferred stock. Redemption of preferred stock. Reclassification adjustment for realized losses included in net income. Reclassification adjustment for realized losses included in net income, tax effect. Reclassification adjustment for realized losses included in net income, net of tax. Allowance for loan and lease losses, acquired portfolio. Allowance for loan and lease losses, acquired with deteriorated credit quality. Loans Receivable, acquired portfolio. Offsetting Assets and Liabilities [TextBlock] Restricted stock and performance units grants, shares. Federal Corporate Statutory Rate. Information about loans which are secured by taxi medallions. Percentage by which the fair value exceeds the gross outstanding balance of pledged securities. Increase in amortized cost basis of available-for-sale securities. Mortgage loans [Member] Commercial and commercial real estate loans [Member] Troubled debt restructurings medallions. Recorded investment of the lease financing receivable. Specific allowance for the net investment in direct lease financing. Number of loans. Amount before tax and reclassification adjustments of unrealized holding gain (loss) on held to maturity securities. Amount after tax and reclassification adjustments, of appreciation (loss) in value of unsold held to maturity securities. Excludes amounts related to other than temporary impairment (OTTI) loss. Amount after tax and reclassification adjustments, of appreciation (loss) in value of unsold held to maturity securities. Excludes amounts related to other than temporary impairment (OTTI) loss. Transfer of loans to loans held-for-sale. 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Document and Entity Information - shares
 9 Months Ended
Sep. 30, 2016
Nov. 04, 2016
Document And Entity Information    
Entity Registrant Name ConnectOne Bancorp, Inc.  
Entity Central Index Key 0000712771  
Document Type 10-Q  
Document Period End Date Sep. 30, 2016  
Amendment Flag false  
Current Fiscal Year End Date --12-31  
Entity Filer Category Accelerated Filer  
Entity Common Stock, Shares Outstanding   30,265,407
Document Fiscal Period Focus Q3  
Document Fiscal Year Focus 2016  
XML 14 R2.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENTS OF CONDITION (Unaudited) - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
ASSETS    
Cash and due from banks $ 49,028 $ 31,291
Interest-bearing deposits with banks 184,766 169,604
Cash and cash equivalents 233,794 200,895
Investment securities:    
Available-for-sale 338,459 195,770
Held-to-maturity (fair value of $ - and $230,558) 224,056
Loans held-for-sale 15,112
Loans receivable 3,445,476 3,099,007
Less: Allowance for loan and lease losses 37,615 26,572
Net loans receivable 3,407,861 3,072,435
Investment in restricted stock, at cost 24,535 32,612
Bank premises and equipment 22,112 22,333
Accrued interest receivable 12,497 12,545
Bank-owned life insurance 97,644 78,801
Other real estate owned 626 2,549
Goodwill 145,909 145,909
Core deposit intangibles 3,281 3,908
Other assets 25,974 24,096
Total assets 4,327,804 4,015,909
Deposits:    
Noninterest-bearing 655,683 650,775
Interest-bearing 2,613,266 2,140,191
Total deposits 3,268,949 2,790,966
Borrowings 481,337 671,587
Subordinated debentures (net of $665 and $812 in debt issuance costs) 54,490 54,343
Other liabilities 23,440 21,669
Total liabilities 3,828,216 3,538,565
COMMITMENTS AND CONTINGENCIES
STOCKHOLDERS' EQUITY    
Preferred stock, $1,000 liquidation value per share, authorized 5,000,000 shares; issued and outstanding 11,250 shares of Series B preferred stock at December 31, 2015; total liquidation value of $11,250 at December 31, 2015 11,250
Common stock, no par value, authorized 50,000,000 shares; issued 32,261,240 shares at September 30, 2016 and 32,149,585 at December 31, 2015; outstanding 30,197,318 shares at September 30, 2016 and 30,085,663 at December 31, 2015 374,287 374,287
Additional paid-in capital 10,409 8,527
Retained earnings 130,885 104,606
Treasury stock, at cost (2,063,922 common shares at September 30, 2016 and December 31, 2015) (16,717) (16,717)
Accumulated other comprehensive income/(loss) 724 (4,609)
Total stockholders' equity 499,588 477,344
Total liabilities and stockholders' equity $ 4,327,804 $ 4,015,909
XML 15 R3.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENTS OF CONDITION (Unaudited) (Parenthetical) - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Held-to-maturity, fair value   $ 230,558
Subordinated debentures, debt issuance costs $ 665 $ 812
Preferred stock, liquidation value (in Dollars per share) $ 1,000 $ 1,000
Preferred stock, shares authorized 5,000,000 5,000,000
Preferred Stock, total liquidation value   $ 11,250
Common stock, shares authorized 50,000,000 50,000,000
Common stock, shares issued 32,261,240 32,149,585
Common stock, shares outstanding 30,197,318 30,085,663
Treasury Stock, Shares 2,063,922 2,063,922
Series B Preferred Stock [Member]    
Preferred stock, shares issued   11,250
Preferred stock, shares outstanding   11,250
XML 16 R4.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Interest income        
Interest and fees on loans $ 37,803 $ 32,276 $ 109,381 $ 91,807
Interest and dividends on investment securities:        
Taxable 1,774 2,669 5,879 8,340
Tax-exempt 988 901 2,867 2,666
Dividends 352 297 1,074 797
Interest on federal funds sold and other short-term investments 261 43 541 127
Total interest income 41,178 36,186 119,742 103,737
Interest expense        
Deposits 5,159 3,655 13,532 9,980
Borrowings 2,995 2,804 9,472 7,060
Total interest expense 8,154 6,459 23,004 17,040
Net interest income 33,024 29,727 96,738 86,697
Provision for loan and lease losses 6,750 4,175 13,500 7,550
Net interest income after provision for loan and lease losses 26,274 25,552 83,238 79,147
Noninterest income        
Annuities and insurance commissions 68 77 140 210
Bank-owned life insurance 615 388 1,843 1,162
Net gains on sale of loans held-for-sale 56 63 147 276
Deposit, loan and other income 706 1,224 1,984 2,145
Insurance recovery 2,224
Net gains on sales of investment securities 4,131 2,067 4,234 2,793
Total noninterest income 5,576 3,819 8,348 8,810
Noninterest expenses        
Salaries and employee benefits 7,791 6,905 23,143 20,480
Occupancy and equipment 2,049 1,916 6,450 5,785
FDIC insurance 745 535 1,955 1,535
Professional and consulting 667 836 2,078 2,045
Marketing and advertising 293 247 817 634
Data processing 1,002 957 3,036 2,686
Loss on extinguishment of debt 2,397
Amortization of core deposit intangible 193 217 627 700
Other expenses 1,811 1,688 5,150 4,643
Total noninterest expenses 14,551 13,301 43,256 40,905
Income before income tax expense 17,299 16,070 48,330 47,052
Income tax expense 5,443 5,228 15,224 15,309
Net income 11,856 10,842 33,106 31,743
Less: Preferred stock dividends 28 22 84
Net income available to common stockholders $ 11,856 $ 10,814 $ 33,084 $ 31,659
Earnings per common share:        
Basic $ 0.39 $ 0.36 $ 1.10 $ 1.06
Diluted $ 0.39 $ 0.36 $ 1.09 $ 1.04
Weighted average common shares outstanding:        
Basic 30,125,287 30,045,818 30,100,057 29,786,374
Diluted [1] 30,401,684 30,335,571 30,376,085 30,323,376
Dividend per common share $ 0.075 $ 0.075 $ 0.225 $ 0.225
[1] Anti-dilutive shares are not included in determining diluted earnings per share. There were no anti-dilutive shares in the three and nine months ended September 30, 2016.
XML 17 R5.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Statement of Comprehensive Income [Abstract]        
Net income $ 11,856 $ 10,842 $ 33,106 $ 31,743
Unrealized gains and losses:        
Unrealized holding (losses) gains on available-for-sale securities arising during the period (523) 108 1,551 (1,196)
Tax effect 187 (39) (634) 485
Net of tax (336) 69 917 (711)
Unrealized gains on securities transferred from held-to-maturity to available-for-sale the period 10,069 10,069
Tax effect (3,815) (3,815)
Net of tax 6,254 6,254
Reclassification adjustment for realized gains included in net income (4,131) (2,067) (4,234) (2,793)
Tax effect 1,640 794 1,682 1,091
Net of tax (2,491) (1,273) (2,552) (1,702)
Amortization of unrealized net losses on held-to-maturity securities transferred from available-for-sale securities 1,890 37 1,986 165
Tax effect (774) (15) (813) (67)
Net of tax 1,116 22 1,173 98
Unrealized gains (losses) on cash flow hedges 644 (855) (1,081) (1,153)
Tax effect (263) 349 441 471
Net of tax 381 (506) (640) (682)
Unrealized pension plan gains and losses:        
Unrealized pension plan gains (losses) before reclassifications 75 (1) 862
Tax effect (31) (353)
Net of tax 44 (1) 509
Reclassification adjustment for realized losses included in net income 204 108 306 324
Tax effect (83) (44) (124) (132)
Net of tax 121 64 182 192
Total other comprehensive income (loss) 5,045 (1,580) 5,333 (2,296)
Total comprehensive income $ 16,901 $ 9,262 $ 38,439 $ 29,447
XML 18 R6.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Unaudited) - USD ($)
$ in Thousands
Preferred Stock [Member]
Common Stock [Member]
Additional Paid-in Capital [Member]
Retained Earnings [Member]
Treasury Stock [Member]
Accumulated Other Comprehensive Income (Loss) [Member]
Total
Balance at Dec. 31, 2014 $ 11,250 $ 374,287 $ 6,015 $ 72,398 $ (16,717) $ (1,014) $ 446,219
Net income 31,743 31,743
Other comprehensive loss, net of tax (2,296) (2,296)
Dividend on series B preferred stock (84) (84)
Cash dividends declared on common stock ($0.15 per share) (6,736) (6,736)
Exercise of stock options 1,424 1,424
Restricted stock and performance units grants
Stock-based compensation expense 876 876
Balance at Sep. 30, 2015 11,250 374,287 8,315 97,321 (16,717) (3,310) 471,146
Balance at Dec. 31, 2015 11,250 374,287 8,527 104,606 (16,717) (4,609) 477,344
Net income 33,106 33,106
Other comprehensive loss, net of tax 5,333 5,333
Dividend on series B preferred stock (22) (22)
Cash dividends declared on common stock ($0.15 per share) (6,805) (6,805)
Redemption of preferred stock (11,250) (11,250)
Exercise of stock options 232 232
Restricted stock and performance units grants
Stock-based compensation expense 1,650 1,650
Balance at Sep. 30, 2016 $ 374,287 $ 10,409 $ 130,885 $ (16,717) $ 724 $ 499,588
XML 19 R7.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares
 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Cash dividends declared on common stock (in Dollars per share) $ 0.15 $ 0.15
Exercise of stock options, shares 38,735  
Restricted stock and performance units grants, shares 75,520 162,491
Additional Paid-in Capital [Member]    
Exercise of stock options, shares 36,135 339,334
XML 20 R8.htm IDEA: XBRL DOCUMENT v3.5.0.2
CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Cash flows from operating activities    
Net income $ 33,106 $ 31,743
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization of premises and equipment 2,084 1,720
Provision for loan and lease losses 13,500 7,550
Amortization of intangibles 627 700
Net accretion of loans (3,381) (3,830)
Accretion on bank premises (94) (77)
Accretion on deposits (167) (394)
Accretion on borrowings (250) (354)
Stock-based compensation 1,650 876
Gains on sales of investment securities, net (4,234) (2,793)
Gains on sale of loans held-for-sale, net (147) (276)
Loans originated for resale (6,399) (18,004)
Proceeds from sale of loans held-for-sale 4,948 17,290
Net (gain) loss on sale of other real estate owned (182) 112
Increase in cash surrender value of bank-owned life insurance (1,843) (1,163)
Amortization of premiums and accretion of discounts on investments securities, net 1,148 1,442
Decrease in accrued interest receivable 48 38
Increase in other assets (2,813) (3,324)
(Decrease) increase in other liabilities (981) 294
Net cash provided by operating activities 36,620 31,550
Investment securities available-for-sale:    
Purchases (114,844) (34,796)
Sales 85,253 44,397
Maturities, calls and principal repayments 109,452 53,542
Investment securities held-to-maturity:    
Purchases (1,000) (17,531)
Maturities and principal repayments 14,758 14,702
Net redemptions (purchases) of restricted investment in bank stocks 8,077 (6,827)
Net increase in loans (359,945) (413,461)
Purchases of premises and equipment (1,769) (2,513)
Purchases of bank owned life insurance (17,000)
Proceeds from sale of other real estate owned 2,992 126
Net cash used in investing activities (274,026) (362,361)
Cash flows from financing activities    
Net increase in deposits 478,150 191,411
Increase in subordinated debt 50,000
Advances of FHLB borrowings 375,000 625,000
Repayments of FHLB borrowings (565,000) (482,525)
Repayment of repurchase agreement (16,000)
Cash dividends paid on common stock (6,805) (6,741)
Cash dividends paid on preferred stock (22) (84)
Redemption of preferred stock (11,250)
Proceeds from exercise of stock options 232 1,424
Net cash provided by financing activities 270,305 362,485
Net change in cash and cash equivalents 32,899 31,674
Cash and cash equivalents at beginning of period 200,895 126,847
Cash and cash equivalents at end of period 233,794 158,521
Cash payments for:    
Interest paid on deposits and borrowings 22,791 15,940
Income taxes 18,195 17,045
Supplemental disclosures of noncash investing activities    
Transfer of loans to other real estate owned 887 2,374
Transfer of loans to loans held-for-sale 13,514
Transfer of investment securities from held-to-maturity to available-for sale $ 209,855
XML 21 R9.htm IDEA: XBRL DOCUMENT v3.5.0.2
Nature of Operations and Principles of Consolidation
 9 Months Ended
Sep. 30, 2016
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Nature of Operations and Principles of Consolidation

Note 1. Nature of Operations and Principles of Consolidation

The consolidated financial statements of ConnectOne Bancorp, Inc. (the “Parent Corporation”) are prepared on an accrual basis and include the accounts of the Parent Corporation and its wholly-owned subsidiary, ConnectOne Bank (the “Bank” and, collectively with the Parent Corporation and the Parent Corporation’s other direct and indirect subsidiaries, the “Company”). All significant intercompany accounts and transactions have been eliminated from the accompanying consolidated financial statements.

The Bank is a community-based, full-service New Jersey-chartered commercial bank that was founded in 2005. The Bank operates from its headquarters located at 301 Sylvan Avenue in the Borough of Englewood Cliffs, Bergen County, New Jersey and through its twenty other banking offices. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate or are expected to be paid from cash flow of business operations. Commercial loans are expected to be repaid from cash flow from business operations. There are no significant concentrations of loans to any one industry or client. However, the clients’ ability to repay their loans is dependent on the cash flows, real estate and general economic conditions in the area.

The preceding unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X, and, accordingly, do not include all of the information and footnotes required by GAAP for complete financial statements. However, in the opinion of management, all adjustments (consisting only of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the three months ended September 30, 2016 are not necessarily indicative of the results that may be expected for the full year ending December 31, 2016, or for any other interim period. The Company’s 2015 Annual Report on Form 10-K should be read in conjunction with these consolidated financial statements.

In preparing the consolidated financial statements, management has made estimates and assumptions that affect the reported amounts of assets and liabilities as of the dates of the consolidated statements of condition and that affect the results of operations for the periods presented. Actual results could differ significantly from those estimates.

The consolidated financial statements have been prepared in conformity with GAAP. Some items in the prior year consolidated financial statements were reclassified to conform to current presentation. Reclassifications had no effect on prior year net income or stockholders’ equity.
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New Authoritative Accounting Guidance
 9 Months Ended
Sep. 30, 2016
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]  
New Authoritative Accounting Guidance

Note 2. New Authoritative Accounting Guidance

ASU No. 2014-09, “Revenue from Contracts with Customers (Topic 606).” ASU 2014-09 implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASU 2014-09 is that an entity should recognize revenue to depict 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. To achieve that core principle, an entity should apply the following steps: (i) identify the contract(s) with a customer; (ii) identify the performance obligations in the contract; (iii) determine the transaction price; (iv) allocate the transaction price to the performance obligations in the contract; and (v) recognize revenue when (or as) the entity satisfies a performance obligation. ASU 2014-09 was originally going to be effective for us on January 1, 2017; however, the FASB recently issued ASU 2015-14, “Revenue from Contracts with Customers (Topic 606) - Deferral of the Effective Date” which deferred the effective date of ASU 2014-09 by one year to January 1, 2018. The Company is currently evaluating the potential impact of ASU 2014-09 on its consolidated financial statements.

ASU No. 2014-12, “Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period ("ASU 2014-12"). ASU 2014-12 requires that a performance target that affects vesting, and that could be achieved after the requisite service period, be treated as a performance condition. As such, the performance target should not be reflected in estimating the grant date fair value of the award. This update further clarifies that compensation cost should be recognized in the period in which it becomes probable that the performance target will be achieved and should represent the compensation cost attributable to the period(s) for which the requisite service has already been rendered. The Company adopted ASU 2014-12 effective on January 1, 2016 and its adoption did not have a significant impact on the Company’s consolidated financial statements.

ASU No. 2015-03, "Interest-Imputation of Interest (Subtopic 835-30) Simplifying the Presentation of Debt Issuance Costs (“ASU 2015-13)" requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in the ASU No. 2015-03. The Company adopted ASU No. 2015-03 effective on January 1, 2016 and its adoption did not have a significant impact on the Company’s consolidated financial statements.

ASU No. 2015-12, "Plan Accounting: Defined Benefit Pension Plans (Topic 960): Defined Contribution Pension Plans, (Topic 962): Health and Welfare Benefit Plans, (Topic 965): (Part I) Fully Benefit-Responsive Investment Contracts, (Part II) Plan Investment Disclosures, (Part III) Measurement Date Practical Expedient." ASU No. 2015-12 simplifies accounting for employee benefit plans as follows: (i) fully benefit-responsive investment contracts are now to be measured, presented and disclosed at contract value, (ii) the requirement to disclose investments that represent 5 percent or more of net assets available for benefits has been eliminated, (iii) the net appreciation or depreciation in investments for the period should be presented in the aggregate, but is no longer required to be disaggregated and disclosed by general type, (iv) if an investment is measured using the net asset value per share (or its equivalent) practical expedient in Topic 820, and that investment is in a fund that files a U.S. Department of Labor Form 5500, Annual Return/Report of Employee Benefit Plan, as a direct filing entity, disclosure of that investment’s strategy is no longer required, and (v) allows employers to measure (as a practical expedient) benefit plan assets on a month-end date nearest to the employer’s fiscal year end when the fiscal period does not coincide with a month end. The Company adopted ASU No. 2015-12 effective on January 1, 2016 and its adoption did not have a significant impact on the Company’s consolidated financial statements.

ASU No. 2015-15, “Interest – Imputation of Interest (Subtopic 835-30) – Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements. Amendments to SEC Paragraphs Pursuant to Staff Announcement at June 18, 2015 EITF Meeting." ASU 2015-15 adds SEC paragraphs pursuant to an SEC Staff Announcement that given the absence of authoritative guidance within ASU 2015-03 for debt issuance costs related to line-of-credit arrangements, the SEC staff would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. The adoption of ASU 2015-15 did not have a material impact on the Company’s consolidated financial statements.

ASU No. 2015-16, “Business Combinations (Topic 805) - Simplifying the Accounting for Measurement-Period Adjustments.” ASU 2015-16 requires that adjustments to provisional amounts that are identified during the measurement period of a business combination be recognized in the reporting period in which the adjustment amounts are determined. The acquirer must also disclose, by line item, the amount of the adjustment reflected in the current-period income statement that would have been recognized in previous periods if the adjustment to the provision amounts had been recognized as of the acquisition date. Under previous guidance, adjustments to provisional amounts identified during the measurement period are to be recognized retrospectively. The adoption of ASU 2015-16 will impact the accounting for future acquisitions.

ASU No. 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities.” ASU 2016-1, among other things; (i) requires equity investments, with certain exceptions, to be measured at fair value with changes in fair value recognized in net income, (ii) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (iii) eliminates the requirement for public business entities to disclose the methods and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (iv) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (v) requires an entity to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments; (vi) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset on the balance sheet or the accompanying notes to the financial statements; and (vii) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale. ASU 2016-1 will be effective for us on January 1, 2018 and we are currently evaluating the potential impact of ASU No. 2016-01 on our consolidated financial statements.

ASU No. 2016-02, “Leases (Topic 842)” requires the recognition of a right of use asset and related lease liability by lessees for leases classified as operating leases under current accounting principles GAAP. Topic 842, which replaces the current guidance under Topic 840, retains a distinction between finance leases and operating leases. The recognition, measurement, and presentation of expenses and cash flows arising from a lease by a lessee also will not significantly change from current GAAP. For leases with a term of 12 months or less, a lessee is permitted to make an accounting policy election by class of underlying asset not to recognize right of use assets and lease liabilities. Topic 842 will be effective for the Company for reporting periods beginning January 1, 2019, with an early adoption permitted. The Company must apply a modified retrospective transition approach for the applicable leases existing at, or entered into after, the beginning of the earliest comparative period presented in the consolidated financial statements. The modified retrospective approach would not require any transition accounting for leases that expired before the earliest comparative period presented. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements.

ASU 2016-09,“Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting.” Under ASU 2016-09 all excess tax benefits and tax deficiencies related to share-based payment awards should be recognized as income tax expense or benefit in the income statement during the period in which they occur. Previously, such amounts were recorded in the pool of excess tax benefits included in additional paid-in capital, if such pool was available. Because excess tax benefits are no longer recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share should exclude the amount of excess tax benefits that would have previously been recognized in additional paid-in capital. Additionally, excess tax benefits should be classified along with other income tax cash flows as an operating activity rather than a financing activity, as was previously the case. ASU 2016-09 also provides that an entity can make an entity-wide accounting policy election to either estimate the number of awards that are expected to vest (current GAAP) or account for forfeitures when they occur. ASU 2016-09 changes the threshold to qualify for equity classification (rather than as a liability) to permit withholding up to the maximum statutory tax rates (rather than the minimum as was previously the case) in the applicable jurisdictions. ASU 2016-09 will be effective on January 1, 2017 and is not expected to have a significant impact on our consolidated financial statements.

ASU No. 2016-10,“Revenue from Contracts with Customers (Topic 606): Identifying Performance Obligations and Licensing.” ASU 2016-10 was issued to clarify ASC Topic 606, “Revenue from Contracts with Customers” related to (i) identifying performance obligations; and (ii) the licensing implementation guidance. The effective date and transition of ASU 2016-10 is the same as the effective date and transition of ASU 2014-09, “Revenue from Contracts with Customers (Topic 606),” as discussed above. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements.

ASU No. 2016-12,“Revenue from Contracts with Customers (Topic 606): Narrow-Scope Improvements and Practical Expedients.” ASU 2016-12 was issued to clarify ASC Topic 606, “Revenue from Contracts with Customers” and to address narrow-scope improvements to the guidance on collectability, noncash consideration, and completed contracts at transition. Additionally, the amendments in this Update provide a practical expedient for contract modifications at transition and an accounting policy election related to the presentation of sales taxes and other similar taxes collected from customers. The effective date and transition of ASU 2016-12 is the same as the effective date and transition of ASU 2014-09, “Revenue from Contracts with Customers (Topic 606),” as discussed above. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements.

ASU No. 2016-15, “Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments” provides guidance on the following eight specific cash flow issues: (1) Debt Prepayment or Debt Extinguishment Costs: Cash payments for debt prepayment or debt extinguishment costs should be classified as cash outflows for financing activities; (2) Settlement of Zero-Coupon Debt Instruments or Other Debt Instruments with Coupon Interest Rates That Are Insignificant in Relation to the Effective Interest Rate of the Borrowing: At the settlement of zero-coupon debt instruments or other debt instruments with coupon interest rates that are insignificant in relation to the effective interest rate of the borrowing, the issuer should classify the portion of the cash payment attributable to the accreted interest related to the debt discount as cash outflows for operating activities, and the portion of the cash payment attributable to the principal as cash outflows for financing activities; (3) Contingent Consideration Payments Made after a Business Combination: Cash payments not made soon after the acquisition date of a business combination by an acquirer to settle a contingent consideration liability should be separated and classified as cash outflows for financing activities and operating activities. Cash payments up to the amount of the contingent consideration liability recognized at the acquisition date (including measurement-period adjustments) should be classified as financing activities; any excess should be classified as operating activities. Cash payments made soon after the acquisition date of a business combination by an acquirer to settle a contingent consideration liability should be classified as cash outflows for investing activities; (4) Proceeds from the Settlement of Insurance Claims: Cash proceeds received from the settlement of insurance claims should be classified on the basis of the related insurance coverage (that is, the nature of the loss). For insurance proceeds that are received in a lump-sum settlement, an entity should determine the classification on the basis of the nature of each loss included in the settlement; (5) Proceeds from the Settlement of Corporate-Owned Life Insurance Policies, including Bank-Owned Life Insurance Policies: Cash proceeds received from the settlement of corporate-owned life insurance policies should be classified as cash inflows from investing activities. The cash payments for premiums on corporate-owned policies may be classified as cash outflows for investing activities, operating activities, or a combination of investing and operating activities; (6) Distributions Received from Equity Method Investees: When a reporting entity applies the equity method, it should make an accounting policy election to classify distributions received from equity method investees using either of the following approaches: a. Cumulative earnings approach: Distributions received are considered returns on investment and classified as cash inflows from operating activities, unless the investor’s cumulative distributions received less distributions received in prior periods that were determined to be returns of investment exceed cumulative equity in earnings recognized by the investor. When such an excess occurs, the current-period distribution up to this excess should be considered a return of investment and classified as cash inflows from investing activities. b. Nature of the distribution approach: Distributions received should be classified on the basis of the nature of the activity or activities of the investee that generated the distribution as either a return on investment (classified as cash inflows from operating activities) or a return of investment (classified as cash inflows from investing activities) when such information is available to the investor. If an entity elects to apply the nature of the distribution approach and the information to apply that approach to distributions received from an individual equity method investee is not available to the investor, the entity should report a change in accounting principle on a retrospective basis by applying the cumulative earnings approach in (1) for that investee. In such situations, an entity should disclose that a change in accounting principle has occurred with respect to the affected investee(s) due to the lack of available information and should provide the disclosures required in paragraphs 250-10-50-1(b) and 250-10-50-2, as applicable. This amendment does not address equity method investments measured using the fair value option; (7) Beneficial Interests in Securitization Transactions: A transferor’s beneficial interest obtained in a securitization of financial assets should be disclosed as a non cash activity, and cash receipts from payments on a transferor’s beneficial interests in securitized trade receivables should be classified as cash inflows from investing activities; (8) Separately Identifiable Cash Flows and Application of the Predominance Principle: The classification of cash receipts and payments that have aspects of more than one class of cash flows should be determined first by applying specific guidance in generally accepted accounting principles (GAAP). In the absence of specific guidance, an entity should determine each separately identifiable source or use within the cash receipts and cash payments on the basis of the nature of the underlying cash flows. An entity should then classify each separately identifiable source or use within the cash receipts and payments on the basis of their nature in financing, investing, or operating activities. In situations in which cash receipts and payments have aspects of more than one class of cash flows and cannot be separated by source or use, the appropriate classification should depend on the activity that is likely to be the predominant source or use of cash flows for the item. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity that elects early adoption must adopt all of the amendments in the same period. The amendments in this Update should be applied using a retrospective transition method to each period presented. If it is impracticable to apply the amendments retrospectively for some of the issues, the amendments for those issues would be applied prospectively as of the earliest date practicable. The Company is currently evaluating this ASU to determine the impact on its consolidated financial position, results of operations and cash flows.

ASU No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Assets Measured at Amortized Cost.” ASU 2016-13 requires a financial asset (or a group of financial assets) measured at amortized cost basis to be presented at the net amount expected to be collected. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of the financial asset(s) to present the net carrying value at the amount expected to be collected on the financial asset. The income statement reflects the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. The measurement of expected credit losses is based on relevant information about past events, including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. An entity must use judgment in determining the relevant information and estimation methods that are appropriate in its circumstances. The allowance for credit losses for purchased financial assets with a more-than insignificant amount of credit deterioration since origination (PCD assets) that are measured at amortized cost basis is determined in a similar manner to other financial assets measured at amortized cost basis; however, the initial allowance for credit losses is added to the purchase price rather than being reported as a credit loss expense. Only subsequent changes in the allowance for credit losses are recorded as a credit loss expense for these assets. Interest income for PCD assets should be recognized based on the effective interest rate, excluding the discount embedded in the purchase price that is attributable to the acquirer assessment of credit losses at acquisition. Available-for-Sale Debt Securities—Credit losses relating to available-for-sale debt securities should be recorded through an allowance for credit losses. Available-for-sale accounting recognizes that value may be realized either through collection of contractual cash flows or through sale of the security. Therefore, the amendments limit the amount of the allowance for credit losses to the amount by which fair value is below amortized cost because the classification as available for sale is premised on an investment strategy that recognizes that the investment could be sold at fair value, if cash collection would result in the realization of an amount less than fair value. The allowance for credit losses for purchased available-for-sale securities with a more-than-insignificant amount of credit deterioration since origination is determined in a similar manner to other available-for-sale debt securities; however, the initial allowance for credit losses is added to the purchase price rather than reported as a credit loss expense. Only subsequent changes in the allowance for credit losses are recorded in credit loss expense. Interest income should be recognized based on the effective interest rate, excluding the discount embedded in the purchase price that is attributable to the acquirer’s assessment of credit losses at acquisition. For public business entities that are U.S. Securities and Exchange Commission (SEC) filers, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. For all other public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements.
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Earnings per Common Share
 9 Months Ended
Sep. 30, 2016
Earnings Per Share [Abstract]  
Earnings per Common Share

Note 3. Earnings per Common Share

Basic earnings per common share (“EPS”) is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding. Diluted EPS includes any additional common shares as if all potentially dilutive common shares were issued (e.g., stock options). The Company’s weighted average common shares outstanding for diluted EPS include the effect of stock options and restricted stock awards outstanding using the Treasury Stock Method, which are not included in the calculation of basic EPS.

Earnings per common share have been computed as follows:

Three Months Ended Nine Months Ended
September 30,   September 30,
(in thousands, except per share amounts) 2016       2015       2016       2015
Net income $ 11,856 $ 10,842 $ 33,106 $ 31,743
Preferred stock dividends - (28 ) (22 ) (84 )
       Net income available to common stockholders $        11,856 $        10,814 $        33,084 $        31,659
Basic weighted average common shares outstanding   30,125 30,046   30,100 29,786
Effect of dilutive options (1) 276   290   276   537
       Diluted weighted average common shares outstanding (2) 30,401 30,336 30,376   30,323
Earnings per common share:  
       Basic $ 0.39 $ 0.36 $ 1.10 $ 1.06
       Diluted 0.39 0.36 1.09 1.04

(1) Represents incremental shares computed using the treasury stock method.
(2) Anti-dilutive shares are not included in determining diluted earnings per share. There were no anti-dilutive shares in the three and nine months ended September 30, 2016.
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Investment Securities
 9 Months Ended
Sep. 30, 2016
Investments, Debt and Equity Securities [Abstract]  
Investment Securities

Note 4. Investment Securities

The Company’s investment securities are classified as available-for-sale at September 30, 2016 and as available-for-sale and held-to-maturity at December 31, 2015. Investment securities available-for-sale are reported at fair value with unrealized gains or losses included in equity, net of tax. Accordingly, the carrying value of such securities reflects their fair value as of September 30, 2016 and December 31, 2015. Fair value is based upon either quoted market prices, or in certain cases where there is limited activity in the market for a particular instrument, assumptions are made to determine their fair value. See Note 7 of the Notes to Consolidated Financial Statements for a further discussion.

Transfers of debt securities from the available-for-sale category to the held-to-maturity category are made at fair value at the date of transfer. The unrealized holding gain or loss at the date of transfer remains in accumulated other comprehensive income and in the carrying value of the held-to-maturity investment security. Premiums or discounts on investment securities are amortized or accreted using the effective interest method over the life of the security as an adjustment of yield. Unrealized holding gains or losses that remain in accumulated other comprehensive income are amortized or accreted over the remaining life of the security as an adjustment of yield, offsetting the related amortization of the premium or accretion of the discount.

Transfers of debt securities from the held-to-maturity category to the available-for-sale category are made at fair value at the date of transfer. The unrealized holding gain or loss at the date of the transfer shall be recognized in accumulated other comprehensive income, net of applicable taxes.

During the quarter ended September 30, 2016 the Company transferred all securities previously categorized as held-to-maturity to available-for-sale classification. The transfer resulted in an increase of approximately $210 million in amortized cost basis of available-for-sale securities and resulted in a net increase to accumulated other comprehensive income of $7.4 million, net of tax. This transfer will enhance liquidity and increase flexibility with regard to asset-liability management and balance sheet composition.

The following tables present information related to the Company’s investment securities at September 30, 2016 and December 31, 2015 (dollars in thousands):

Gross Gross
Amortized Unrealized Unrealized Fair
September 30, 2016 Cost Gains Losses Value
Investment securities available-for-sale                  
       Federal agency obligations $ 55,024 $ 1,084 $ (9 ) $ 56,099
       Residential mortgage pass-through securities 62,124 1,292 (12 ) 63,404
       Commercial mortgage pass-through securities 4,218 151 - 4,369
       Obligations of U.S. states and political subdivisions 135,781 5,582 (2 ) 141,361
       Trust preferred securities 5,574 310 (209 ) 5,675
       Corporate bonds and notes 37,725 916 (348 ) 38,293
       Asset-backed securities 15,797 1 (296 ) 15,502
       Certificates of deposit 973 15 - 988
       Equity securities 376 52 (3 ) 425
       Other securities 12,332 94 (83 ) 12,343
              Total securities available-for-sale $ 329,924 $ 9,497 $ (962 ) $ 338,459
 
Gross Gross
Amortized Unrealized Unrealized Fair
December 31, 2015 Cost Gains Losses Value
Investment securities available-for-sale
       Federal agency obligations $ 29,062 $ 142 $ (58 ) $ 29,146
       Residential mortgage pass-through securities 44,155 803 (48 )   44,910
       Commercial mortgage pass-through securities 2,981   - (9 ) 2,972
       Obligations of U.S. states and political subdivisions 8,188 169 -   8,357
       Trust preferred securities 16,088 398 (231 ) 16,255
       Corporate bonds and notes 53,566 702   (292 ) 53,976
       Asset-backed securities   20,005 18 (298 ) 19,725
       Certificates of deposit 1,895 18   (8 ) 1,905
       Equity securities 376 21 (23 ) 374
       Other securities 18,303   - (153 ) 18,150
              Total securities available-for-sale $         194,619 $         2,271 $         (1,120 ) $         195,770
 
Gross Gross
Amortized Unrecognized Unrecognized Fair
Cost Gains Losses Value
Investment securities held-to-maturity
       U.S. Treasury and agency securities $ 28,471 $ 755 $ - $ 29,226
       Federal agency obligations 33,616 280 (119 ) 33,777
       Residential mortgage-backed securities 3,805 11 (6 ) 3,810
       Commercial mortgage-backed securities 4,110 27 (2 ) 4,135
       Obligations of U.S. states and political divisions 118,015 5,001 (3 ) 123,013
       Corporate bonds and notes 36,039 719 (161 ) 36,597
              Total securities held-to-maturity $ 224,056 $ 6,793 $ (291 ) $ 230,558
                         
       Total investment securities $ 418,675 $ 9,064 $ (1,411 ) $ 426,328


The following table presents information for investment securities at September 30, 2016, based on scheduled maturities. Actual maturities can be expected to differ from scheduled maturities due to prepayment or early call options of the issuer.

September 30, 2016
Amortized       Fair
Cost Value
(in thousands)
Investment securities available-for-sale:
       Due in one year or less $ 3,886   $ 3,906
       Due after one year through five years 26,238 26,914
       Due after five years through ten years 55,486 57,204
       Due after ten years 165,264   169,894
Residential mortgage pass-through securities   62,124 63,404
Commercial mortgage pass-through securities 4,218 4,369
Equity securities 376 425
Other securities 12,332 12,343
       Total $      329,924 $      338,459

Gross gains and losses from the sales, calls and maturities of investment securities for the three-month and nine-month periods ended September 30, 2016 and 2015 were as follows:

Three Months Ended Nine Months Ended
September 30, September 30,
(in thousands)       2016       2015       2016       2015
Proceeds   $ 78,680 $ 32,125 $ 85,253 $ 44,397
Gross gains on sales of investment securities 4,131   2,067 4,234   2,793
Gross losses on sales of investment securities   -   -   -   -
       Net gains on sales of investment securities 4,131 2,067 4,234 2,793
       Less: tax provision on net gains 1,640 794 1,682 1,091
 
              Total $ 2,491 $ 1,273 $ 2,552 $ 1,702

The Company performs regular analysis on the available-for-sale securities portfolio to determine whether a decline in fair value indicates that an investment is other-than-temporarily impaired in accordance with FASB ASC 320-10. FASB ASC 320-10 requires companies to record other-than-temporary impairment (“OTTI”) charges through earnings if they have the intent to sell, or more likely than not will be required to sell, an impaired debt security before recovery of its amortized cost basis. If the Company intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, less any current period credit loss, the OTTI is recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its estimated fair value at the balance sheet date. If the Company does not intend to sell the security and it is more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis less any current period loss, and as such, it determines that a decline in fair value is other-than-temporary, the OTTI is separated into the amount representing the credit loss and the amount related to all other factors. The amount of the OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the total OTTI related to other factors is recognized in other comprehensive income, net of applicable taxes. The previous amortized cost basis less the OTTI recognized in earnings becomes the new amortized cost basis of the investment.

The Company reviews all securities for potential recognition of other-than-temporary impairment. The Company maintains a watch list for the identification and monitoring of securities experiencing problems that require a heightened level of review. This could include credit rating downgrades.

The Company’s assessment of whether an impairment in the portfolio is other-than temporary includes factors such as whether the issuer has defaulted on scheduled payments, announced restructuring and/or filed for bankruptcy, has disclosed severe liquidity problems that cannot be resolved, disclosed deteriorating financial condition or sustained significant losses.

Temporarily Impaired Investments

The Company does not believe that any of the unrealized losses which were comprised of 36 and 74 investment securities as of September 30, 2016 and December 31, 2015, respectively, represent an other-than-temporary impairment. The gross unrealized losses associated with U.S. Treasury and agency securities, federal agency obligations, mortgage-backed securities, corporate bonds, tax-exempt securities, asset-backed securities, trust preferred securities, mutual funds and equity securities are not considered to be other-than-temporary because these unrealized losses are related to changes in interest rates and do not affect the expected cash flows of the underlying collateral or issuer.

Factors which may contribute to unrealized losses include credit risk, market risk, changes in interest rates, economic cycles, and liquidity risk. The magnitude of any unrealized loss may be affected by the relative concentration of the Company’s investment in any one issuer or industry. The Company has established policies to reduce exposure through diversification of the investment portfolio including limits on concentrations to any one issuer. The Company believes the investment portfolio is prudently diversified.

The unrealized losses included in the tables below are primarily related to changes in interest rates and credit spreads. All of the Company’s investment securities are performing and are expected to continue to perform in accordance with their respective contractual terms and conditions. These are largely intermediate duration holdings and, in certain cases, monthly principal payments can further reduce loss exposure resulting from an increase in rates.

The Company evaluates all securities with unrealized losses quarterly to determine whether the loss is other-than-temporary. Unrealized losses in the corporate debt securities category consist primarily of senior unsecured corporate debt securities issued by large financial institutions, insurance companies and other corporate issuers. Single issuer corporate trust preferred securities are also included, and in the case of one holding the market valuation loss is largely based upon the floating rate coupon and corresponding market valuation. Neither that trust preferred issuer, nor any other corporate issuers, have defaulted on interest payments. The unrealized loss in equity securities consists of losses on other bank equities. The decline in fair value is due in large part to the lack of an active trading market for these securities, changes in market credit spreads and rating agency downgrades. Management concluded that these securities were not other-than-temporarily impaired at September 30, 2016.

In determining whether or not securities are OTTI, the Company must exercise considerable judgment. Accordingly, there can be no assurance that the actual results will not differ from the Company’s judgments and that such differences may not require the future recognition of other-than-temporary impairment charges that could have a material effect on the Company’s financial position and results of operations. In addition, the value of, and the realization of any loss on, an investment security is subject to numerous risks as cited above.

The following tables indicate gross unrealized losses not recognized in income and fair value, aggregated by investment category and the length of time individual securities have been in a continuous unrealized loss position at September 30, 2016 and December 31, 2015:

September 30, 2016
Total Less than 12 Months 12 Months or Longer
Fair Unrealized Fair Unrealized Fair Unrealized
Value       Losses       Value       Losses       Value       Losses
(in thousands)
Investment securities
       available-for-sale:
 
Federal agency obligation $ 2,685 $ (9 ) $ 1,366 $ (3 ) $ 1,319 $ (6 )
Residential mortgage  
       pass-through securities 2,978 (12 ) 2,596 (9 ) 382 (3 )
Obligations of U.S. states        
       and political subdivisions 575 (2 ) 575   (2 )
Trust preferred securities 1,369 (209 ) - -   1,369   (209 )
Corporate bonds and notes 13,945   (348 ) 5,741   (185 ) 8,204 (163 )
Asset-backed securities 14,025 (296 ) 3,891 (72 ) 10,134   (224 )
Equity securities 134 (3 )   - -   134 (3 )
Other securities 5,417 (83 ) - -   5,417 (83 )
       Total temporarily impaired
              securities $         41,128 $         (962 ) $         14,169 $         (271 ) $         26,959 $          (691 )

December 31, 2015
Total Less than 12 Months 12 Months or Longer
Fair Unrealized Fair Unrealized Fair   Unrealized
Value       Losses       Value       Losses       Value       Losses
(dollars in thousands)
Investment Securities
       Available-for-Sale:
 
Federal agency obligation $ 12,260 $ (58 ) $ 12,013 $ (54 ) $ 247 $ (4 )
Residential mortgage
       pass-through securities 9,027 (48 ) 9,027 (48 ) - -
Commercial mortgage-backed
       securities 2,971 (9 ) 2,971 (9 ) - -
Trust preferred securities 1,345 (231 ) - - 1,345 (231 )
Corporate bonds and notes 16,533 (292 ) 12,702 (161 ) 3,831 (131 )
Asset-backed securities 14,745 (298 ) 11,250 (188 ) 3,495 (110 )
Certificates of deposit 215 (8 ) 215 (8 ) - -
Equity securities 123 (23 ) - - 123 (23 )
Other securities 5,347 (153 ) - - 5,347 (153 )
Total $         62,566 $         (1,120 ) $         48,178 $         (468 ) $         14,388 $         (652 )
 
Investment Securities
       Held-to-Maturity:
 
Federal agency obligation 12,554 (119 )   11,783 (109 ) 771 (10 )
Residential mortgage
       pass-through securities 2,480   (6 ) 2,480 (6 ) - -
Commercial mortgage-backed                
       securities 1,331 (2 ) 1,331   (2 ) -   -  
Obligations of U.S. states      
       and political subdivisions 981   (3 ) 981 (3 ) - -
Corporate bonds and notes 5,536 (161 ) 5,536 (161 ) - -
Total $ 22,882 $ (291 ) $ 22,111 $ (281 ) $ 771 $ (10 )
 
Total Temporarily Impaired
       Securities $ 85,448 $ (1,411 ) $ 70,289 $ (749 ) $ 15,159 $ (662 )

Investment securities having a carrying value of approximately $104.2 million and $142.5 million at September 30, 2016 and December 31, 2015, respectively, were pledged to secure public deposits, borrowings, Federal Reserve Discount Window and Federal Home Loan Bank advances and for other purposes required or permitted by law.

As of September 30, 2016 and December 31, 2015, there were no holdings of securities of any one issuer, other than the U.S. Government and its agencies, in an amount greater than 10% of stockholders’ equity.

XML 25 R13.htm IDEA: XBRL DOCUMENT v3.5.0.2
Derivatives
 9 Months Ended
Sep. 30, 2016
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
Derivatives

Note 5 - Derivatives

The Company utilizes interest rate swap agreements as part of its asset liability management strategy to help manage its interest rate risk position. The notional amount of the interest rate swap does not represent amounts exchanged by the parties. The amount exchanged is determined by reference to the notional amount and the other terms of the individual interest rate swap agreements.

Interest rate swaps were entered into on August 24, 2015, December 30, 2014 and October 15, 2014 each with a respective notional amount of $25 million and were designated as cash flow hedges of a Federal Home Loan Bank advance. The swaps were determined to be fully effective during the period presented and therefore no amount of ineffectiveness has been included in net income while the aggregate fair value of the swaps is recorded in other assets (liabilities) with changes in fair value recorded in other comprehensive income (loss). The amount included in accumulated other comprehensive income (loss) would be reclassified to current earnings should the hedges no longer be considered effective. The Company expects the hedges to remain fully effective during the remaining term of the swaps.

Summary information about the interest rate swaps designated as cash flow hedges as of September 30, 2016, December 31, 2015 and September 30, 2015 are presented in the following table.

September 30, December 31, September 30,
(dollars in thousands) 2016       2015       2015
Notional amount $ 75,000 $ 75,000 $ 75,000
Weighted average pay rates   1.58 % 1.56 %     1.56 %
Weighted average receive rates 0.70 %     0.44 % 0.30 %
Weighted average maturity     3.1 years         3.8 years     4.1 years
Fair value $ (1,212 ) $ (131 ) $ (1,105 )

Interest expense recorded on these swap transactions totaled approximately $167,000 and $534,000 for the three and nine months ended September 30, 2016 and approximately $165,000 and $331,000 for the three and nine months ended September 30, 2015.

Cash Flow Hedge

The following table presents the net gains (losses), recorded in other comprehensive income and the Consolidated Statements of Income relating to the cash flow derivative instruments for the following periods:

Nine Months Ended September 30, 2016
Amount of loss Amount of loss Amount of loss
recognized reclassified recognized in other
in OCI (Effective from OCI to Noninterest income
(in thousands)       Portion)       interest income       (Ineffective Portion)
Interest rate contracts $ (640) $ - $ -
 
Nine Months Ended September 30, 2015
Amount of loss Amount of loss Amount of loss
recognized reclassified recognized in other
in OCI (Effective from OCI to Noninterest income
(in thousands) Portion) interest income (Ineffective Portion)
Interest rate contracts $ (1,153) $ - $ -

The following table reflects the cash flow hedges included in the consolidated statements of condition as of September 30, 2016 and December 31, 2015:

September 30, 2016 December 31, 2015
Notional Notional
(in thousands) Amount       Fair Value       Amount       Fair Value
Interest rate swaps related to FHLB Advances included in Assets $ 75,000 $        (1,212 ) $ 75,000 $        (131 )
XML 26 R14.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and the Allowance for Loan and Lease Losses
 9 Months Ended
Sep. 30, 2016
Receivables [Abstract]  
Loans and the Allowance for Loan and Lease Losses

Note 6. Loans and the Allowance for Loan and Lease Losses

Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of deferred loan fees and costs, premiums and discounts related to purchase accounting, and an allowance for loan and lease losses. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments.

Loan segments are defined as a group of loans and leases, which share similar initial measurement attributes, risk characteristics, and methods for monitoring and assessing credit risk. Management has determined that the Company has five segments of loans and leases: commercial (including lease financing), commercial real estate, commercial construction, residential real estate (including home equity) and consumer.

Interest income on commercial, commercial real estate, commercial construction and residential loans are discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. A loan is moved to nonaccrual status in accordance with the Company’s policy, typically after 90 days of non-payment.

All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

The policy of the Company is to generally grant commercial, residential and consumer loans to residents and businesses within its market area. The borrowers’ abilities to repay their obligations are dependent upon various factors including the borrowers’ income and net worth, cash flows generated by the borrowers’ underlying collateral, value of the underlying collateral, and priority of the lender’s lien on the property. Such factors are dependent upon various economic conditions and individual circumstances beyond the control of the Company. The Company is therefore subject to risk of loss. The Company believes its lending policies and procedures adequately minimize the potential exposure to such risks and that adequate provisions for loan and lease losses are provided for all known and inherent risks. Collateral and/or personal guarantees are required for a large majority of the Company’s loans.

Allowance for Loan and Lease Losses

The allowance for loan and lease losses is a valuation allowance for probable incurred credit losses. Losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan and lease loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired.

A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans, for which the terms have been modified, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (“TDRs”) and classified as impaired. As part of the evaluation of impaired loans, the Company individually reviews for impairment all non-homogeneous loans internally classified as substandard or below. Generally, smaller impaired non-homogeneous loans and impaired homogeneous loans are collectively evaluated for impairment.

Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.

TDRs are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For TDRs that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan and lease losses.

The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors. The historical loss experience, the primary factor, is determined by loan class and is based on the actual loss history experienced by the Bank over an actual three-year rolling calculation. This actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment and with the exogenous factor adjustments based on the risks present for each loan category. These exogenous factors include consideration of the following: concentrations of credit; delinquency & nonaccrual trends; economic & business conditions including evaluation of the national and regional economies and industries with significant loan concentrations; external factors including legal, regulatory or competitive pressures that may impact the loan portfolio; changes in the experience, ability, or size of the lending staff, management, or board of directors that may impact the loan portfolio; changes in underwriting standards, collection procedures, charge-off practices, or other changes in lending policies and procedures that may impact the loan portfolio; loss and recovery trends; changes in portfolio size and mix; and trends in problem loans.

Purchased Credit-Impaired Loans

The Company purchases groups of loans in conjunction with mergers, some of which have shown evidence of credit deterioration since origination. These purchased credit impaired loans are recorded at the amount paid, such that there is no carryover of the seller’s allowance for loan and lease losses. After acquisition, losses are recognized by an increase in the allowance for loan and lease losses.

Such purchased credit-impaired loans (“PCI”) are accounted for individually. The Company estimates the amount and timing of expected cash flows for each loan and the expected cash flows in excess of amount paid is recorded as interest income over the remaining life of the loan (accretable yield). The excess of the loan’s contractual principal and interest over expected cash flows is not recorded (nonaccretable difference).

A PCI loan may be resolved either through a sale of the loan, by working with the customer and obtaining partial or full repayment, by short sale of the collateral, or by foreclosure. A gain or loss on resolution would be recognized based on the difference between the proceeds received and the carrying amount of the loan.

Payments received earlier than expected or in excess of expected cash flows from sales or other resolutions may result in the carrying value of a pool being reduced to zero even though outstanding contractual balances and expected cash flows remain related to loans in the pool. Once the carrying value of a pool is reduced to zero, any future proceeds, which may include cash or real estate acquired in foreclosure, from the remaining loans, representing further realization of accretable yield, are recognized as interest income upon receipt.

PCI loans that met the criteria for nonaccrual may be considered performing, regardless of whether the customer is contractually delinquent, if management can reasonably estimate the timing and amount of the expected cash flows on such loans and if management expects to fully collect the new carrying value of the loans. As such, management may no longer consider the loans to be nonaccrual or nonperforming and may accrue interest on these loans, including the impact of any accretable discount.

The following table sets forth the composition of the Company’s loan portfolio, including net deferred loan fees, at September 30, 2016 and December 31, 2015:

September 30, December 31,
2016       2015
  (in thousands)
Commercial $ 644,430 $ 570,116
Commercial real estate 2,100,804 1,966,696
Commercial construction 471,109     328,838
Residential real estate   229,401   233,690
Consumer 2,879 2,454
       Gross loans 3,448,623 3,101,794  
Net deferred loan fees (3,147 ) (2,787 )
       Total loans receivable $       3,445,476 $       3,099,007

As of September 30, 2016, the bank designated approximately $15.1 million as loans held-for-sale. This designation occurred during the third quarter of 2016 and consisted of approximately $1.6 million of mortgage loans and approximately $13.5 million of commercial and commercial real estate loans.

At September 30, 2016 and December 31, 2015 loan balances of approximately $1.6 billion were pledged to secure borrowings from the Federal Home Loan Bank of New York.

Purchased Credit-Impaired Loans

The Company holds purchased loans for which there was, at their acquisition date, evidence of deterioration of credit quality since their origination and it was probable, at acquisition, that all contractually required payments would not be collected. The carrying amount of those loans is as follows at September 30, 2016 and December 31, 2015.

September 30, December 31,
2016       2015
(in thousands)
Commercial $ 7,027 $ 7,078
Commercial real estate 1,002 1,775
Residential real estate   -   328
       Total carrying amount $ 8,029   $ 9,181

For those purchased loans disclosed above, the Company did not increase the allowance for loan and lease losses for the three and nine months ended September 30, 2016.

The accretable yield, or income expected to be collected, on the purchased loans disclosed above for the three and nine months ended September 30, 2016 is as follows (in thousands):

Three Months Three Months
Ended Ended
September       September
30, 2016 30, 2015
Beginning balance $               3,233     $               4,013  
New loans purchased   -   -  
Accretion of income   (185 )     (207 )
Reclassification from nonaccretable differences -     -
Disposals   -       -  
Ending balance $ 3,048 $ 3,806

Nine Months Nine Months
Ended Ended
      September       September
30, 2016 30, 2015
Beginning balance $             3,599 $             4,467
New loans purchased - -
Accretion of income (551 ) (661 )
Reclassification from nonaccretable differences - -
Disposals - -
Ending balance $ 3,048 $ 3,806

The following table presents information about the recorded investment in loan receivables on nonaccrual status by segment at September 30, 2016 and December 31, 2015:

Loans Receivable on Nonaccrual Status

September 30, December 31,
2016       2015
(in thousands)
Commercial $ 5,982 $ 6,586
Commercial real estate 2,489   9,112
Commercial construction -   1,479
Residential real estate 3,022 3,559
       Total loans receivable on nonaccrual status $ 11,493 $ 20,736

During the quarter ended September 30, 2016, the bank sold a lease financing receivable for approximately $2.6 million, net of closing costs. At the time of sale, the recorded investment of the lease financing receivable was $3.7 million, with a specific allowance for loan loss reserve of $1.3 million. The amount of net proceeds that exceeded the net carrying value was recorded as an increase to the allowance for loan losses.

The Company continuously monitors the credit quality of its loans receivable. In addition to its internal staff, the Company utilizes the services of a third party loan review firm to rate the credit quality of its loans receivable. Credit quality is monitored by reviewing certain credit quality indicators. Assets classified “Pass” are deemed to possess average to superior credit quality, requiring no more than normal attention.

Assets classified as “Special Mention” have generally acceptable credit quality yet possess higher risk characteristics/circumstances than satisfactory assets. Such conditions include strained liquidity, slow pay, stale financial statements, or other conditions that require more stringent attention from the lending staff. These conditions, if not corrected, may weaken the loan quality or inadequately protect the Company’s credit position at some future date.

Assets are classified “Substandard” if the asset has a well-defined weakness that requires management’s attention to a greater degree than for loans classified special mention. Such weakness, if left uncorrected, could possibly result in the compromised ability of the loan to perform to contractual requirements.

An asset is classified as “Doubtful” if it is inadequately protected by the net worth and/or paying capacity of the obligor or of the collateral, if any, that secures the obligation. Assets classified as doubtful include assets for which there is a “distinct possibility” that a degree of loss will occur if the inadequacies are not corrected.

The following table presents information, excluding loans held-for-sale and net deferred loan fees, about the Company’s loan credit quality at September 30, 2016 and December 31, 2015:

September 30, 2016
Special
      Pass       Mention       Substandard       Doubtful       Total
(in thousands)
Commercial $        531,599 $        2,787 $        110,044 $        - $        644,430
Commercial real estate 2,049,986 32,504 18,314 - 2,100,804
Commercial construction 469,735 1,374 - - 471,109
Residential real estate 226,012 -   3,389 - 229,401
Consumer 2,812 - 67 - 2,879
 
       Total loans $ 3,280,144 $ 36,665 $ 131,814 $ - $ 3,448,623
 
December 31, 2015
Special
Pass Mention Substandard Doubtful Total
(in thousands)
Commercial $ 462,358 $ 11,760 $ 95,998 $ - $ 570,116
Commercial real estate 1,919,041 18,990 28,426 239 1,966,696
Commercial construction 326,697 662 1,479 - 328,838
Residential real estate 229,426 - 4,264 - 233,690
Consumer 2,368 - 86 - 2,454
 
       Total loans $ 2,939,890 $ 31,412 $ 130,253 $ 239 $ 3,101,794

The following table provides an analysis of the impaired loans, by loan segment, at September 30, 2016 and December 31, 2015:

September 30, 2016
Unpaid
Recorded Principal Related
      Investment       Balance       Allowance
No related allowance recorded (in thousands)
Commercial $ 6,718 $ 7,025
Commercial real estate 9,166 9,182
Commercial construction 1,374 1,374
Residential real estate 3,389 3,823
Consumer 67 67
       Total $        20,714 $        21,471
 
With an allowance recorded
Commercial $ 95,964 $ 95,964 $        12,931
Commercial real estate 153 153 105
       Total $ 96,117 $ 96,117 $ 13,036
 
Total
Commercial $ 102,682 $ 103,989 $ 12,931
Commercial real estate 9,319 9,335 105
Commercial construction 1,374 1,374 -
Residential real estate 3,389 3,823 -
Consumer 67 67 -
       Total $ 116,831 $ 117,588 $ 13,036
 
 
December 31, 2015
Unpaid
Recorded Principal Related
Investment Balance Allowance
No related allowance recorded (in thousands)
Commercial $ 610 $ 645
Commercial real estate 15,517 16,512
Commercial construction 2,149 2,141
Residential real estate 3,954 4,329
Consumer 87 86
       Total $ 22,317 $ 23,713
 
With an allowance recorded
Commercial $ 84,787 $ 84,449 $ 6,725
 
Total
Commercial $ 85,397 $ 85,094 $ 6,725
Commercial real estate 15,517 16,512 -
Commercial construction 2,149 2,141 -
Residential real estate 3,954 4,329 -
Consumer 87 86 -
       Total $ 107,104 $ 108,162 $ 6,725

The following table provides an analysis related to the average recorded investment and interest income recognized on impaired loans by segment as of and for the three and nine months ended September 30, 2016 and 2015 (in thousands):

Three Months Ended September 30, Nine Months Ended September 30,
2016 2015   2016 2015  
Average Interest Average Interest Average Interest Average Interest
Recorded Income Recorded Income Recorded Income Recorded Income
    Investment    Recognized    Investment    Recognized    Investment    Recognized    Investment    Recognized
Impaired loans with no
related allowance
recorded:
 
Commercial $       6,704 $       66 $       712 $       - $       4,317 $       86 $       707 $       -
Commercial real estate 9,129 65 4,869 15 8,167 118 4,905 46
Commercial
construction 1,224 21 1,479 - 979 54 1,479 -
Residential real estate 3,271 5 3,221 7 3,247 15 3,251 12
Consumer 70 1 100 1 74 3 102 4
Total $ 20,398 $ 158 $ 10,381 23 $ 16,784 $ 276 $ 10,444 $ 62
 
Impaired loans with an
allowance recorded:
 
Commercial $ 91,393 $ 925 $ 79,732 $ 722 $ 85,620 $ 2,447 $ 45,747 $ 1,206
Commercial real estate 153 - - - 153 - - -
Total $ 91,5476 $ 925 $ 79,732 $ 722 $ 102,577 $ 2,447 $ 45,747 $ 1,206
 
Total impaired loans:
 
Commercial $ 98,097 $ 991 $ 80,444 $ 722 $ 89,937 $ 2,533 $ 46,454 $ 1,206
Commercial real estate 9,282 65 4,869 15 8,320 118 4,905 46
Commercial
construction 1,224 21 1,479 - 979 54 1,479 -
Residential real estate 3,271 5 3,221 7 3,247 15 3,251 12
Consumer 70 1 100 1 74 3 102 4
 
Total $ 111,944 $ 1,083 $ 90,113 $ 745 $ 102,557 $ 2,753 $ 56,191 $ 1,268

Included in impaired loans at September 30, 2016 and December 31, 2015 are loans that are deemed troubled debt restructurings. The recorded investment in loans include accrued interest receivable and other capitalized costs such as real estate taxes paid on behalf of the borrower. Cash basis interest and interest income recognized on accrual basis approximate each other.

The following table provides an analysis of the aging of gross loans (excluding loans held-for-sale) that are past due at September 30, 2016 and December 31, 2015 by segment:

Aging Analysis

September 30, 2016
90 Days or Greater than 90 Days
30-59 Days 60-89 Days Greater Past Total Loans Past Due and Still
Past Due Past Due Due Total Current Receivable Accruing/Accreting
   (in thousands)
Commercial $      -    $      249    $      5,363    $      5,612    $      638,818    $      644,430    $      4,543
Commercial real
estate 461 1,600 2,385 4,446 2,096,358 2,100,804 654
Commercial
construction - - - - 471,109 471,109 -
Residential real
estate 505 924 1,778 3,207 226,194 229,401 -
Consumer 9 - - 9 2,870 2,879
       Total $ 975 $ 2,773 $ 9,526 $ 13,274 $ 3,435,349 $ 3,448,623 $ 5,197
 
 
December 31, 2015
90 Days or Greater than 90 Days
30-59 Days 60-89 Days Greater Past Total Loans Past Due and Still
Past Due Past Due Due Total Current Receivable Accruing/Accreting
(in thousands)
Commercial $ 6,887 $ 3,505 $ 6,865 $ 17,257 $ 552,859 $ 570,116 $ -
Commercial real
estate 1,998 988 9,561 12,547 1,954,149 1,966,696 -
Commercial
construction - - 1,479 1,479 327,359 328,838 -
Residential real
estate - - 2,122 2,122 231,568 233,690 -
Consumer 4 9 - 13 2,441 2,454 -
       Total $ 8,889 $ 4,502 $ 20,027 $ 33,418 $ 3,068,376 $ 3,101,794 $ -

Included in the 90 days and still accruing/accreting bucket are three purchased credit-impaired loans, net of their fair value marks, which are accreting income per their valuation at date of acquisition.

The following tables detail, at the period-end presented, the amount of gross loans (excluding loans held-for-sale) that are evaluated individually, and collectively, for impairment, those acquired with deteriorated quality, and the related portion of the allowance for loan and lease losses that are allocated to each loan portfolio segment:

September 30, 2016
Commercial Commercial Residential
    Commercial     real estate     construction     real estate     Consumer     Unallocated     Total
(in thousands)
Allowance for loan and lease losses
Individually evaluated for impairment $       12,931 $       105 $       - $       - $       - $       - $       13,036
Collectively evaluated for impairment 7,465 11,270 4,072 1,174 4 594 24,579
Acquired portfolio - - - - - - -
Acquired with deteriorated credit quality - - - - - - -
Total $ 20,396 $ 11,375 $ 4,072 $ 1,174 $ 4 $ 594 $ 37,615
 
Gross loans
Individually evaluated for impairment $ 102,682 $ 9,319 $ 1,374 $ 3,389 $ 67 $ - $ 116,831
Collectively evaluated for impairment 487,657 1,480,859 462,687 153,488 2,178 - 2,586,869
Acquired portfolio 47,064 609,624 7,048 72,524 634 - 736,894
Acquired with deteriorated credit quality 7,027 1,002 - - - - 8,029
Total $ 644,430 $ 2,100,804 $ 471,109 $ 229,401 $ 2,879 $ - $ 3,448,623
 
 
December 31, 2015
Commercial Commercial Residential
Commercial real estate construction real estate Consumer Unallocated Total
(in thousands)
Allowance for loan and lease losses
Individually evaluated for impairment $ 6,725 $ - $ - $ - $ - $ - $ 6,725
Collectively evaluated for impairment 4,224 10,926 3,253 976 4 464 19,847
Acquired portfolio - - - - - - -
Acquired with deteriorated credit quality - - - - - - -
Total $ 10,949 $ 10,926 $ 3,253 $ 976 $ 4 $ 464 $ 26,572
 
Gross loans
Individually evaluated for impairment $ 85,397 $ 15,517 $ 2,149 $ 3,954 $ 87 $ - $ 107,104
Collectively evaluated for impairment 395,424 1,269,140 315,785 136,633 1,649 - 2,118,631
Acquired portfolio 82,217 680,264 10,904 92,775 718 866,878
Acquired with deteriorated credit quality 7,078 1,775 - 328 - - 9,181
Total $ 570,116 $ 1,966,696 $ 328,838 $ 233,690 $ 2,454 $ - $ 3,101,794

The Company’s allowance for loan and lease losses is analyzed quarterly. Many factors are considered, including growth in the portfolio, delinquencies, nonaccrual loan levels, and other factors inherent in the extension of credit. There have been no material changes to the allowance for loan and lease losses methodology as disclosed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2015.

A summary of the activity in the allowance for loan and lease losses is as follows:

Three Months Ended September 30, 2016
Commercial Commercial Residential
    Commercial       real estate     construction     real estate     Consumer     Unallocated     Total
(in thousands)
Balance at June 30, 2016 $       15,548 $        11,371 $      4,040 $         1,091 $             4 $            709 $      32,763
 
Charge-offs (1,878 ) - - (27 ) (5 ) - (1,910 )
 
Recoveries 1 10 - - 1 - 12
 
Provision 6,725 (6 ) 32 110 4 (115 ) 6,750
 
Balance at September 30,
2016 $ 20,396 $ 11,375 $ 4,072 $ 1,174 $ 4 $ 594 $ 37,615
 
 
Three Months Ended September 30, 2015
Commercial Commercial Residential
Commercial real estate construction real estate Consumer Unallocated Total
(in thousands)
Balance at June 30, 2015 $ 4,633 $ 9,195 $ 1,945 $ 1,161 $ 7 $ 539 $ 17,480
 
Charge-offs - (124 ) - - - - (124 )
 
Recoveries 2 - - - - - 2
 
Provision 2,488 1,203 701 (149 ) (3 ) (65 ) 4,175
 
Balance at September 30,
2015 $ 4,633 $ 9,195 $ 2,646 $ 1,012 $ 4 $ 474 $ 21,533

Nine Months Ended September 30, 2016
Commercial Commercial Residential
    Commercial     real estate     construction     real estate     Consumer     Unallocated     Total
(in thousands)
Balance at December 31,
2015 $        10,949 $        10,926 $        3,253 $         976 $            4 $            464 $        26,572
 
Charge-offs (2,396 ) - - (94 ) (10 ) - (2,500 )
 
Recoveries 2 35 - 3 3 - 43
 
Provision 11,841 414 819 289 7 130 13,500
 
Balance at September 30,
2016 $ 20,396 $ 11,375 $ 4,072 $ 1,174 $ 4 $ 594 $ 37,615
 
Nine Months Ended September 30, 2015
Commercial Commercial Residential
Commercial real estate construction real estate Consumer Unallocated Total
(in thousands)
Balance at December 31,
2014 $ 3,083 $ 7,799 $ 1,239 $ 1,113 $ 7 $ 919 $ 14,160
 
Charge-offs (100 ) (406 ) - - (13 ) - (519 )
 
Recoveries 12 327 - 2 1 - 342
 
Provision 4,128 2,554 1,407 (103 ) 9 (445 ) 7,550
 
Balance at September 30,
2015 $ 7,123 $ 10,274 $ 2,646 $ 1,012 $ 4 $ 474 $ 21,533

Troubled Debt Restructurings

At September 30, 2016, there were no commitments to lend additional funds to borrowers whose loans were on nonaccrual status or were contractually past due in excess of 90 days and still accruing interest, or whose terms have been modified in troubled debt restructurings.

The policy of the Company generally is to grant commercial, mortgage and consumer loans to residents and businesses within its market area. The ability of borrowers to repay their obligations is dependent upon various factors, including the borrowers’ income and net worth, cash flows generated by the borrowers’ underlying collateral, value of the underlying collateral, and priority of the lender’s lien on the property. Such factors are dependent upon various economic conditions and individual circumstances beyond the control of the Company. The Company is therefore subject to risk of loss. The Company believes its lending policies and procedures adequately minimize the potential exposure to such risks and that adequate provisions for loan and lease losses are provided for all known and inherent risks. Collateral and/or personal guarantees are required for virtually all loans. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms.

Loans modified in troubled debt restructurings totaled $106.7 million at September 30, 2016, of which $1.4 million were on nonaccrual status and $105.3 million were performing under restructured terms. At December 31, 2015, loans modified in troubled debt restructurings totaled $86.6 million, of which $0.7 million were on nonaccrual status and $85.9 million were performing under restructured terms. The Company has allocated $12.5 and $4.5 million in specific allocations with respect to loans whose loan terms had been modified in troubled debt restructurings as of September 30, 2016 and December 31, 2015, respectively. Performing TDRs as of September 30, 2016 increased the allowance for loan and lease losses by $5.0 and $8.3 million during the three and nine months ended September 30, 2016, respectively. Performing TDRs as of December 31, 2015 did not increase the allowance for loan and lease losses during the year ended December 31, 2015.

The $12.5 million in specific allocations referenced above were associated with New York City taxi medallion lending and were calculated based on the present value of estimated cash flows, including contractual debt interest service through maturity, and principal repayments based on the estimated fair value of the collateral excluding any consideration for personal guarantees of borrowers, which provide an additional source of repayment but cannot be relied upon. The valuation per New York City corporate medallion used for the calculation at September 30, 2016 was approximately $700,000. Since December 31, 2015, an additional $8.3 million specific allocation was required at September 30, 2016 due to a decline in the Company’s estimated valuation of New York City taxi medallions since December 31, 2015, when the specific allocation was $4.5 million.

The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ended September 30, 2016 (dollars in thousands):

Pre-Modification Post-Modification
Outstanding Outstanding
Number of Recorded Recorded
      Loans       Investment       Investment
Troubled debt restructurings:
       Commercial 16 $        19,311 $        19,311
       Commercial real estate 2 581 581
       Commercial construction - - -
       Residential real estate - - -
       Consumer - - -
 
              Total 18 $ 19,892 $ 19,892

Included in the above troubled debt restructurings were 14 loans secured by 25 New York City taxi medallions totaling $17.3 million. These loan modifications included interest rate reductions and maturity extensions. All 14 loans were accruing prior to modification, while 13 remained in accrual status post-modification.

The troubled debt restructurings described above increased the allowance for loan and leases losses by $8.3 million during the nine months ended September 30, 2016. There were no charge-offs in connection with a loan modification at the time of modification during the nine months ended September 30, 2016. There were no troubled debt restructurings for which there was a payment default within twelve months following the modification during the nine months ended September 30, 2016.

The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ended September 30, 2015 (dollars in thousands):

Pre-Modification Post-Modification
Outstanding Outstanding
Number of Recorded Recorded
       Loans       Investment       Investment
Troubled debt restructurings:
       Commercial 47 $        75,363 $        75,363
       Commercial real estate - - -
       Commercial construction - - -
       Residential real estate - - -
       Consumer - - -
 
              Total 47 $ 75,363 $ 75,363

The troubled debt restructurings included in the table above were loans secured by New York City taxi medallions that were modified during the third quarter of 2015. The modifications consisted of a deferral of principal amortization from approximately 25-30 year amortization to interest-only. There was no extension of the loans’ contractual maturity dates, there was no forgiveness of principal, and the interest rates on these loans were increased from approximately 3%-3.25% to 3.75%. These loans were accruing prior to modification and remained in accrual status post-modification.

The troubled debt restructurings described above increased the allowance for loan and lease losses by $2.0 million during the nine months ended September 30, 2015. There were no charge-offs in connection with a loan modification at the time of modification during the nine months ended September 30, 2015. There were no troubled debt restructurings for which there was a payment default within twelve months following the modification during the nine months ended September 30, 2015.
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Fair Value Measurements and Fair Value of Financial Instruments
 9 Months Ended
Sep. 30, 2016
Fair Value Disclosures [Abstract]  
Fair Value Measurements and Fair Value of Financial Instruments

Note 7 - Fair Value Measurements and Fair Value of Financial Instruments

Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair value:

FASB ASC 820-10-05 defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurements and enhances disclosure requirements for fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date.

FASB ASC 820-10-65 provides additional guidance for estimating fair value in accordance with FASB ASC 820-10-05 when the volume and level of activity for the asset or liability have significantly decreased. This ASC also includes guidance on identifying circumstances that indicate a transaction is not orderly.

FASB ASC 820-10-05 establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy under FASB ASC 820-10-05 are as follows:

Level 1: Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities.

Level 2: Quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument.

Level 3: Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (for example, supported with little or no market activity).

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

The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Company’s assets measured at fair value on a recurring basis at September 30, 2016 and December 31, 2015:

Securities Available-for-Sale

Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 inputs include securities that have quoted prices in active markets for identical assets. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. Examples of instruments, which would generally be classified within Level 2 of the valuation hierarchy include municipal bonds and certain agency collateralized mortgage obligations. In certain cases where there is limited activity in the market for a particular instrument, assumptions must be made to determine the fair value of the instruments and these are classified as Level 3. When measuring fair value, the valuation techniques available under the market approach, income approach and/or cost approach are used. The Company’s evaluations are based on market data and the Company employs combinations of these approaches for its valuation methods depending on the asset class.

Derivatives

The fair value of derivatives are based on valuation models using observable market data as of the measurement date (level 2). Our derivatives are traded in an over-the-counter market where quoted market prices are not always available. Therefore, the fair values of derivatives are determined using quantitative models that utilize multiple market inputs. The inputs will vary based on the type of derivative, but could include interest rates, prices and indices to generate continuous yield or pricing curves, prepayment rate, and volatility factors to value the position. The majority of market inputs are actively quoted and can be validated through external sources, including brokers, market transactions and third-party pricing services.

Loans Held-for-sale

Loans held-for-sale are required to be measured at the lower of cost or fair value. Under FASB ASC 820-10-05, market value is to represent fair value. Management obtains quotes or bids on all or part of these loans directly from the purchasing financial institutions.

Loans Receivable

The fair value of performing loans, except residential mortgages, is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risks inherent in the loan. The estimate of maturity is based on the historical experience of the Bank with prepayments for each loan classification, modified as required by an estimate of the effect of current economic and lending conditions. For performing residential mortgage loans, fair value is estimated by discounting contractual cash flows adjusted for prepayment estimates using discount rates based on secondary market sources adjusted to reflect differences in servicing and credit costs.

Off-Balance Sheet Financial Instruments

The fair value of commitments to extend credit is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed rate loan commitments, fair value also considers the difference between current levels of interest rate and the committed rates.

The fair value of financial standby letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties.

Assets and Liabilities Measured at Fair Value on a Recurring Basis

For financial assets and liabilities measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at September 30, 2016 and December 31, 2015 are as follows:

September 30, 2016
Fair Value Measurements at Reporting Date Using
Quoted Prices
in Active Significant
Markets for Other Significant
Identical Observable Unobservable
Assets Inputs Inputs
            (Level 1)       (Level 2)       (Level 3)
(in thousands)
Recurring fair value measurements:
Assets  
Investment securities:
       available-for-sale:
              Federal agency obligations $        56,099 $        - $        56,099 $        -
              Residential mortgage pass-
                     through securities 63,404 - 63,404 -
              Commercial mortgage pass-
                     through securities 4,369 - 4,369 -
              Obligations of U.S. states and
                     political subdivision 141,361 - 123,026 18,335
              Trust preferred securities 5,675 - 5,675 -
              Corporate bonds and notes 38,293 - 38,293 -
              Asset-backed securities 15,502 - 15,502 -
              Certificates of deposit 988 - 988 -
              Equity securities 425 425 - -
              Other securities 12,343 12,343 - -
       Total available-for-sale $ 338,459 $ 12,768 $ 307,356 $ 18,335
Liabilities
Derivatives $ 1,212 $ - $ 1,212 $ -
 
Total liabilities $ 1,212 $ - $ 1,212 $ -

There were no transfers between Level 1, Level 2 and Level 3 during the three months ended September 30, 2016.

December 31, 2015
Fair Value Measurements at Reporting Date Using
Quoted Prices
in Active Significant
Markets for Other Significant
Identical Observable Unobservable
Assets Inputs Inputs
      (Level 1)       (Level 2)       (Level 3)
(in thousands)
Recurring fair value measurements:
Assets
Investment securities:  
       available-for-sale:
              Federal agency obligations $ 29,146   $ - $ 29,146 $ -
              Residential mortgage pass-
                     through securities 44,910 - 44,910 -
              Commercial mortgage pass-    
                     through securities 2,972 - 2,972 -
              Obligations of U.S. states and
                     political subdivision   8,357 -     8,357 -
              Trust preferred securities 16,255 - 16,255 -
              Corporate bonds and notes 53,976 - 53,976 -
              Asset-backed securities 19,725 - 19,725 -
              Certificates of deposit 1,905 - 1,905   -
              Equity securities 374 374 - -
              Other securities 18,150 18,150 - -
       Total available-for-sale $        195,770 $ 18,524 $ 177,246 $ -
       Liabilities
       Derivatives $ 131 $ - $ 131 $ -
       Total liabilities $ 131 $ - $ 131 $ -

There were no transfers between Level 1, Level 2 and Level 3 during the year ended December 31, 2015.

Assets Measured at Fair Value on a Non-Recurring Basis

The Company may be required periodically to measure certain assets at fair value on a nonrecurring basis in accordance with GAAP. These adjustments to fair value usually result from the application of lower of cost or fair value accounting or impairment write-downs of individual assets. The Company primarily utilized appraisal value less cost to sell and other unobservable market inputs to determine fair value of assets, and therefore, these valuations are classified as a Level 3 measurement. For assets measured at fair value on a non-recurring basis, the fair value measurements at September 30, 2016 and December 31, 2015 are as follows:

    Fair Value Measurements at Reporting Date Using
Quoted
Prices
in Active Significant
Markets for Other Significant
Identical Observable Unobservable
September 30, Assets Inputs Inputs
Assets measured at fair value on a nonrecurring basis: 2016 (Level 1) (Level 2) (Level 3)
Impaired loans: (in thousands)
Commercial $ 396 $ - $ - $ 396
 
    Fair Value Measurements at Reporting Date Using
Quoted
Prices
in Active Significant
            Markets for       Other       Significant
Identical Observable Unobservable
December 31, Assets Inputs Inputs
Assets measured at fair value on a nonrecurring basis: 2015 (Level 1) (Level 2) (Level 3)
Impaired loans: (in thousands)
Commercial $ 3,751   $ -   $ -   $ 3,751

The following methods and assumptions were used to estimate the fair values of the Company’s assets measured at fair value on a non-recurring basis at September 30, 2016 and December 31, 2015.

Impaired loans. The value of the impaired loans above were measured based upon the fair value of the collateral of the loans. Smaller balance homogeneous loans that are collectively evaluated for impairment, such as residential mortgage loans and consumer loans, are specifically excluded from the impaired loan portfolio. Collateral dependent impaired loans are individually assessed to determine that each loan’s carrying value is not in excess of the fair value of the related collateral. Collateral dependent impaired loans at September 30, 2016 that required a valuation allowance were $0.9 million with a related valuation allowance of $0.5 million compared to $6.0 million with a related valuation allowance of $2.2 million at December 31, 2015.

Fair Value of Financial Instruments

FASB ASC 825-10 requires all entities to disclose the estimated fair value of their financial instrument assets and liabilities. For the Company, as for most financial institutions, the majority of its assets and liabilities are considered financial instruments as defined in FASB ASC 825-10. Many of the Company’s financial instruments, however, lack an available trading market as characterized by a willing buyer and willing seller engaging in an exchange transaction. It is also the Company’s general practice and intent to hold its financial instruments to maturity and not to engage in trading or sales activities except for loans held-for-sale and investment securities available-for-sale. Therefore, significant estimations and assumptions, as well as present value calculations, were used by the Company for the purposes of this disclosure.

Cash and cash equivalents. The carrying amounts of cash and short-term instruments approximate fair values.

FHLB stock. It is not practical to determine the fair value of FHLB stock due to restrictions placed on its transferability.

Investment Securities Held-to-Maturity. The fair value of the Company’s investment securities held-to-maturity was primarily measured using information from a third-party pricing service. If quoted prices were not available, fair values were estimated primarily by obtaining quoted prices for similar assets in active markets or through the use of pricing models. In cases where there may be limited or less transparent information provided by the Company’s third-party pricing service, fair value may be estimated by the use of secondary pricing services or through the use of non-binding third-party broker quotes.

Loans. The fair value of the Company’s loans was estimated by discounting the expected future cash flows using the current interest rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. Loans were segregated by types such as commercial, residential and consumer loans. Expected future cash flows were projected based on contractual cash flows, adjusted for estimated prepayments. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price and therefore, while permissible for presentation purposes under ASC 825-10, do not conform to ASC 820-10.

Interest-Bearing Deposits. The fair values of the Company’s interest-bearing deposits were estimated using discounted cash flow analyses. The discounted rates used were based on rates currently offered for deposits with similar remaining maturities. The fair values of the Company’s interest-bearing deposits do not take into consideration the value of the Company’s long-term relationships with depositors, which may have significant value.

Term Borrowings and Subordinated Debentures. The fair value of the Company’s long-term borrowings and subordinated debentures were calculated using a discounted cash flow approach and applying discount rates currently offered based on weighted remaining maturities.

Accrued Interest Receivable/Payable. The carrying amounts of accrued interest approximate fair value resulting in a level 2 or level 3 classification based on the level of the asset or liability with which the accrual is associated.

The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of September 30, 2016 and December 31, 2015.

Fair Value Measurements
Carrying
Amount		 Fair
Value		 Quoted
Prices in
Active
Markets for
Identical
Assets
(Level 1)		 Significant
Other
Observable
Inputs
(Level 2)		 Significant
Unobservable
Inputs
(Level 3)
(in thousands)
September 30, 2016                        
Financial assets
       Cash and cash equivalents $ 233,794 $ 233,794 $ 233,794 $ - $ -
       Investment securities available-for-sale 338,459 338,459 12,768 307,356 18,335
       Restricted investment in bank stocks 24,535 n/a n/a n/a n/a
       Net loans 3,407,861 3,421,539 - -       3,421,539
       Loans held-for-sale 15,112 15,112 - 15,112 -
       Accrued interest receivable 12,497 12,497 - 1,895 10,602
 
Financial liabilities
       Noninterest-bearing deposits 655,683 655,683       655,683 - -
       Interest-bearing deposits       2,613,266       2,601,221 -       2,601,221 -
       Borrowings 481,337 486,503 - 486,503 -
       Subordinated debentures, net 54,490 53,784 - 53,784 -
       Derivatives 1,212 1,212 - 1,212 -
       Accrued interest payable $ 4,600 $ 4,600 $ - $ 4,600 $ -
 
December 31, 2015
Financial assets
       Cash and cash equivalents $ 200,895 $ 200,895 $ 200,895 $ - $ -
       Investment securities available-for-sale 195,770 195,770 18,524 177,246 -
       Investment securities held-to-maturity 224,056 230,558 29,226 182,774 18,558
       Restricted investment in bank stocks 32,612 n/a n/a n/a n/a
       Net loans 3,072,435 3,059,343 - - 3,059,343
       Accrued interest receivable 12,545 12,545 68 2,699 9,778
 
Financial liabilities
       Noninterest-bearing deposits 650,775 650,775   650,775 - -
       Interest-bearing deposits 2,140,191 2,137,149 - 2,137,149 -
       Borrowings 671,587   674,131 -   674,131   -
       Subordinated debentures, net   54,343 55,209 -   55,209 -
       Derivatives 131   131   - 131 -
       Accrued interest payable $ 4,387 $ 4,387 $ - $ 4,387 $ -

The fair value of commitments to originate loans is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair values of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties at the reporting date.

Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values.

The Company’s remaining assets and liabilities, which are not considered financial instruments, have not been valued differently than has been customary with historical cost accounting. No disclosure of the relationship value of the Company’s core deposit base is required by FASB ASC 825-10.

Fair value estimates are based on existing balance sheet financial instruments, without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, there are certain significant assets and liabilities that are not considered financial assets or liabilities, deferred taxes, premises and equipment, and goodwill. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.

Management believes that reasonable comparability between financial institutions may not be likely, due to the wide range of permitted valuation techniques and numerous estimates which must be made, given the absence of active secondary markets for many of the financial instruments. This lack of uniform valuation methodologies also introduces a greater degree of subjectivity to these estimated fair values.

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Accumulated Other Comprehensive Income/(Loss)
 9 Months Ended
Sep. 30, 2016
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]  
Accumulated Other Comprehensive Income/(Loss)

Note 8. Accumulated Other Comprehensive Income/(Loss)

Accumulated other comprehensive loss (net of tax) at September 30, 2016 and December 31, 2015 consisted of the following:

September 30, December 31,
      2016       2015
(in thousands)
Net unrealized gain on investment securities available-for-sale $ 5,332 $ 713
Cash flow hedge (717 ) (77 )
Unamortized component of securities transferred from available-for-sale to held-to-        
       maturity   -     (1,173 )
Defined benefit pension and post-retirement plans            (3,891 )            (4,072 )
       Total accumulated other comprehensive income (loss) $ 724 $ (4,609 )
XML 29 R17.htm IDEA: XBRL DOCUMENT v3.5.0.2
Stock-Based Compensation
 9 Months Ended
Sep. 30, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]  
Stock-Based Compensation

Note 9. Stock-Based Compensation

The Company maintains two stock-based compensation plans from which new grants could be issued. The Company’s stock-based compensation plans permit Parent Corporation common stock to be issued to key employees and directors of the Company and its subsidiaries. Grants under the existing plans can be in the form of stock options (qualified or non-qualified), restricted shares, or performance units. Shares available for grant and issuance under the existing plans as of September 30, 2016 are 68,516 under the 2009 Equity Incentive Plan and 234,090 shares under the North Jersey Community Bancorp Equity Compensation Plan. The Company intends to issue all shares under these plans in the form of newly issued shares.

Restricted stock and option awards typically have a three-year vesting period starting one year after the date of grant with one-third vesting each year. The options generally expire ten years from the date of grant. Restricted stock awards granted to new employees and board members may be granted with shorter vesting periods. Grants of performance units typically have a cliff vesting after three years. All issuances are subject to forfeiture if the recipient leaves or is terminated prior to the awards vesting. Restricted shares have the same dividend and voting rights as common stock, while options and performance units do not.

All awards are issued at fair value of the underlying shares at the grant date. The Company expenses the cost of the awards, which is determined to be the fair market value of the awards at the date of grant, ratably over the vesting period.

No options were granted during the three and nine months ended September 30, 2016 and 2015.

During the three months ended September 30, 2016 and 2015 no restricted shares were awarded. The compensation expense related to restricted stock awards during the three and nine months ended September 30, 2016 was $223,000 and $572,000, respectively.

During the nine months ended September 30, 2016 and 2015, the Company granted to various key employees performance unit awards, with each unit entitling the holder to one share of the Company’s common stock contingent upon the Company meeting or exceeding certain return on asset targets over the course of a three-year period commencing on January 1 of the year of issuance. Under the grant agreement, and assuming the Company has met or exceeded the applicable targets, grants of performance unit awards will vest on the third anniversary of the grant date or on an earlier date in the event of a change in control, as defined in the agreements. At September 30, 2016, the specific number of shares related to performance unit awards that were expected to vest was 132,304, determined by actual performance in consideration of the established range of the performance targets, which is consistent with the level of expense currently being recognized over the vesting period. Should this expectation change, additional compensation expense could be recorded in future periods or previously recognized expense could be reversed. The maximum amount of performance unit awards is 181,892 shares. The total amount of compensation cost related to performance unit awards included in salary expense during the quarters ended September 30, 2016 and 2015 was $238,000 and $156,000, respectively. The total amount of compensation cost related to performance unit awards included in salary expense during the nine months ended September 30, 2016 was $698,000 and $258,000, respectively.

Option activity under the Company’s option plans as of September 30, 2016 and changes during the nine months ended September 30, 2016 were as follows:

Weighted-
Average
Weighted- Remaining
Average Contractual
Exercise Term Aggregate
Shares       Price       (In Years)       Intrinsic Value
Outstanding at December 31, 2015 535,906 $ 6.48  
Granted -   -  
Exercised (38,735 ) 6.32
Forfeited/cancelled/expired (45,010 )   10.59    
Outstanding at September 30, 2016     452,161   $ 6.09 2.51 $ 5,412,898
Exercisable at September 30, 2016 448,631 $ 6.02 2.47 $ 4,674,682

The aggregate intrinsic value of outstanding and exercisable options above represents the total pre-tax intrinsic value (the difference between the Company’s closing stock price on September 30 2016 and the exercise price, multiplied by the number of in-the-money options) that would have been received by the option holders had all option holders exercised their options on September 30, 2016. This amount changes based on the fair market value of the Parent Corporation’s stock.

Information related to stock option exercises during 2016:

2016
Intrinsic value of options exercised $        398,890
Cash received from options exercised 244,625
Tax benefit realized from options exercised 53,631
Weighted average fair value of options granted n/a

The aggregate intrinsic value of exercised options above represents the total pre-tax intrinsic value (the difference between the Company’s closing stock price on the date of exercise and the exercise price, multiplied by the number of in-the-money options) of all options that were exercised during the 6 month period ending September 30, 2016. The tax benefit is calculated on any non-qualified options exercised during the period using a 36% tax rate.

The below table represents information regarding restricted shares currently outstanding at September 30, 2016:

Weighted-
Average
Nonvested       Grant Date
Shares Fair Value
Nonvested at December 31, 2015 96,902   $ 16.81
Granted 72,920 15.88
Vested (55,648 ) 16.01
Forfeited/cancelled/expired (1,000 )   19.58
Nonvested at September 30, 2016       113,174 $      16.81

As of September 30, 2016, there was $1,249,000 of total unrecognized compensation cost related to nonvested restricted shares granted under the plans. The cost is expected to be recognized over a weighted average period of 23.1 months. No shares vested during the quarter ended September 30, 2016.

A summary of the status of unearned performance unit awards and the change during the period is presented in the table below:

Weighted-
Average
      Grant Date
Units Fair Value
Unearned at December 31, 2015 94,585 $ 19.46
Awarded 59,138 17.01
 
Forfeited (7,447 ) 19.46
Expired -     -
Unearned at September 30, 2016       146,276 $       18.47

At September 30, 2016, compensation cost of $1,671,000 related to nonvested awards not yet recognized is expected to be recognized over a weighted-average period of 1.7 years.

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Components of Net Periodic Pension Cost
 9 Months Ended
Sep. 30, 2016
Compensation and Retirement Disclosure [Abstract]  
Components of Net Periodic Pension Cost

Note 10. Components of Net Periodic Pension Cost

The Company maintained a non-contributory defined benefit pension plan for substantially all of its employees until March 31, 2007, at which time the Company froze the plan. The following table sets forth the net periodic pension cost of the Company’s pension plan for the periods indicated.

Three Months Ended Nine Months Ended
September 30, September 30,
2016       2015       2016       2015
(in thousands)
Interest cost $ 129 $ 127   $ 386     $ 394
Expected return on plan assets   (166 )     (123 )   (457 )   (387 )
Net amortization 101 108   305 324
Recognized settlement loss - 64 - 629
       Net periodic pension cost $ 64 $ 176 $ 234 $ 960
 
       Amortization of actuarial loss $ (204 ) $ (183 ) $ (305 ) $ (1,186 )
 
       Total recognized in other comprehensive income $          (204 ) $          (183 ) $          (305 ) $          (1,186 )
 
Total recognized in net expense and OCI (before tax) $ (140 ) $ (7 ) $ (71 ) $ (226 )

Contributions

The Company contributed $2.0 million to its Pension Trust during the second quarter of 2016. The Company does not plan on contributing additional amounts to the Pension Trust for the remainder of 2016. The trust is established to provide retirement and other benefits for eligible employees and their beneficiaries. No part of the trust assets may be applied to any purpose other than providing benefits under the plan and for defraying expenses of administering the plan and the trust.

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FHLB and other borrowings
 9 Months Ended
Sep. 30, 2016
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures [Abstract]  
FHLB and other borrowings

Note 11. FHLB and other borrowings

The Company’s FHLB and other borrowings and weighted average interest rates are summarized below:

September 30, 2016 December 31, 2015
Amount       Rate       Amount       Rate
(in thousands)
By type of borrowing:
       FHLB borrowings and other borrowings $ 466,337 1.52 % $ 656,587 1.26 %
       Repurchase agreements (“REPOs”) 15,000 5.95 15,000 5.95
Total borrowings $ 481,337 1.66 $ 671,587 1.37
 
By remaining period to maturity:
       One year or less $       251,337       1.27 % $       270,587       0.64 %
       One to two years   60,000 1.96   171,000 1.56
       Two to three years 105,000 1.69   130,000 1.84
       Three to four years 25,000 1.85 35,000 1.60
       Four to five years 40,000 3.43 65,000   2.82
Total borrowings $ 481,337   1.66 $ 671,587 1.37

The FHLB borrowings are secured by pledges of certain collateral including, but not limited to, U.S. government and agency mortgage-backed securities and a blanket assignment of qualifying first lien mortgage loans, consisting of both residential mortgages and commercial real estate loans.

The Company has entered into agreements under which it has sold securities subject to an obligation to repurchase the same or similar securities. Under these arrangements, the Company may transfer legal control over the assets but still retain effective control through an agreement that both entitles and obligates the Company to repurchase the assets. The obligation to repurchase the securities is reflected as a liability in the Company’s consolidated statement of condition, while the securities underlying the securities sold under agreements to repurchase remain in the respective asset accounts and are delivered to and held as collateral by third party trustees.

Three of the FHLB notes ($2,500,000 and $7,500,000 each due April 2, 2018, and $5,000,000 due July 16, 2018) contain a convertible option which allows the FHLB, at quarterly intervals, to convert the fixed convertible advance into replacement funding for the same or lesser principal based on any advance then offered by the FHLB at its current market rate. The Company has the option to repay these advances, if converted, without penalty. The remaining advances are payable at stated maturity, with a prepayment penalty for fixed rate advances. All FHLB advances are fixed rate while the REPOs are variable rate advances. The advances at September 30, 2016 were collateralized by approximately $1.2 billion of commercial mortgage loans, net of required over-collateralization amounts, under a blanket lien arrangement. At September 30, 2016 the Company had remaining borrowing capacity of approximately at FHLB of approximately $752 million
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Securities Sold under Agreements to Repurchase
 9 Months Ended
Sep. 30, 2016
Securities Sold under Agreements to Repurchase [Abstract]  
Securities Sold under Agreements to Repurchase

Note 12 – Securities Sold under Agreements to Repurchase

Repurchase agreements are secured borrowings. The Company pledges investment securities to secure those borrowings. Information concerning repurchase agreements is summarized as follows for the periods presented:

September 30, December 31, September 30,
(dollars in thousands)       2016       2015       2015
Average daily balance during the year-to-date $         15,000 $       22,890 $         25,549
Average interest rate during the year-to-date   5.95 %     5.92 %     5.90 %
Maximum month-end balance during the year-to-date $ 15,000   $ 31,000 $ 31,000
Weighted average interest rate during the year-to-date 5.95 % 5.92 % 5.90 %

The table below shows the remaining contractual maturity of agreement by fair value of collateral pledged:

September 30, 2016
Remaining Contractual Maturity of the Agreements
Overnight and Up to 30 Greater Than
(dollars in thousands) Continuous       Days       30-90 Days       90 Days       Total
Repurchase agreements and
repurchase-to-maturity transactions
       U.S. Treasury and agency securities $ - $ - $ - $ - $ -
       Residential mortgage pass-through securities - - - 17,082 17,082
Total Borrowings $ - $ - $ - $       17,082 $       17,082
 
Amounts related to agreements not included in offsetting disclosure in Note 14: $ 2,082
 
December 31, 2015
Remaining Contractual Maturity of the Agreements
Overnight and Up to 30 Greater Than
(dollars in thousands) Continuous Days 30-90 Days 90 Days Total
Repurchase agreements and  
repurchase-to-maturity transactions    
       U.S. Treasury and agency securities $ -   $ - $ -   $ 6,313 $ 6,313
       Residential mortgage pass-through securities -   -     -   12,589   12,589
Total Borrowings $ - $ - $ - $ 18,902 $ 18,902
 
Amounts related to agreements not included in offsetting disclosure in Note 14 $ 3,902

The fair value of securities pledged to secure repurchase agreements may decline. By contractual agreement, the fair value of securities pledged to secure repurchase agreements must meet or exceed the gross outstanding balance by 8%, or be subject to margin calls. Securities sold under agreements to repurchase are secured by securities with a carrying amount of $17.1 million and $18.8 million at September 30, 2016 and December 31, 2015.
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Subordinated Debentures
 9 Months Ended
Sep. 30, 2016
Subordinated Borrowings [Abstract]  
Subordinated Debentures

Note 13 - Subordinated Debentures

During 2003, the Company formed a statutory business trust, which exists for the exclusive purpose of (i) issuing Trust Securities representing undivided beneficial interests in the assets of the Trust; (ii) investing the gross proceeds of the Trust securities in junior subordinated deferrable interest debentures (subordinated debentures) of the Company; and (iii) engaging in only those activities necessary or incidental thereto. On December 19, 2003, Center Bancorp Statutory Trust II, a statutory business trust and wholly-owned subsidiary of the Parent Corporation issued $5.0 million of MMCapS capital securities to investors due on January 23, 2034. The capital securities presently qualify as Tier I capital. The trust loaned the proceeds of this offering to the Company and received in exchange $5.2 million of the Parent Corporation’s subordinated debentures. The subordinated debentures are redeemable in whole or in part prior to maturity. The floating interest rate on the subordinate debentures is three-month LIBOR plus 2.85% and reprices quarterly. The rate at September 30, 2016 was 3.61%. These subordinated debentures and the related income effects are not eliminated in the consolidated financial statements as the statutory business trust is not consolidated in accordance with FASB ASC 810-10. Distributions on the subordinated debentures owned by the subsidiary trust have been classified as interest expense in the Consolidated Statements of Income.

The following table summarizes the mandatory redeemable trust preferred securities of the Company’s Statutory Trust II at September 30, 2016 and December 31, 2015.

      Securities                         Redeemable by
Issuance Date   Issued   Liquidation Value Coupon Rate Maturity Issuer Beginning
12/19/2003   $     5,000,000 $1,000 per Capital   Floating 3-month   01/23/2034   01/23/2009
  Security   LIBOR + 285 Basis        
  Points

During June 2015, the Parent Corporation issued $50 million in aggregate principal amount of fixed-to-floating rate subordinated notes (the “Notes”). The Notes are non-callable for five years, have a stated maturity of July 1, 2025, and bear interest at a fixed rate of 5.75% per year, from and including June 30, 2015 to, but excluding July 1, 2020. From and including July 1, 2020 to the maturity date or early redemption date, the interest rate will reset quarterly to a level equal to the then current three-month LIBOR rate plus 393 basis points. As of September 30, 2016, unamortized costs related to the debt issuance were $665,000.

In connection with the issuance of the Notes, the Parent Corporation obtained ratings from Kroll Bond Rating Agency (“KBRA”). KBRA assigned investment grade ratings of BBB- for the Company’s subordinated debt and a senior deposit rating of BBB+ for the Bank. On August 16, 2016, Kroll reaffirmed our current investment grade
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Offsetting Assets and Liabilities
 9 Months Ended
Sep. 30, 2016
Offsetting [Abstract]  
Offsetting Assets and Liabilities

Note 14 – Offsetting Assets and Liabilities

Certain financial instrument-related assets and liabilities may be eligible for offset on the consolidated statements of condition because they are subject to master netting agreements or similar agreements. However, the Company does not elect to offset such arrangements on the consolidated financial statements. The Company enters into interest rate swap agreements with financial institution counterparties. For additional detail regarding interest rate swap agreements refer to Note 5. In the event of default on, or termination of, any one contract, both parties have the right to net settle multiple contracts. Also, certain interest rate swap agreements may require the Company to receive or pledge cash or financial instrument collateral based on the contract provisions.

The Company also entered into an agreement to sell securities subject to an obligation to repurchase the same or similar securities, referred to as a repurchase agreement. Under this agreement, the Company may transfer legal control over the assets but still retain effective control through an agreement that both entitles and obligates the Company to repurchase the assets. The obligation to repurchase the securities is reflected as a liability in the Company’s consolidated statement of condition, while the securities underlying the repurchase agreements remain in the respective investment securities account, therefore there is no offsetting or netting of the investment securities assets with the repurchase agreement liability. The following table presents information about financial instruments that are eligible for offset as of September 30, 2016 and December 31, 2015:

Gross Amounts Not Offset
Gross Amounts Net Amounts of Cash or
Offset in the Assets Presented in Financial Financial
Gross Amounts Statement of the Statement of Instruments Instrument Net
Recognized       Financial Position       Financial Position       Recognized       Collateral       Amount
(in thousands)
September 30, 2016  
Assets:
       Interest rate swaps $ -   $ - $ - $ - $ - $ -
Liabilities:
       Interest rate swaps $ 1,212 $ - $ 1,212 $ - $ 1,212 $ -
       Repurchase
              agreements 15,000 - 15,000 - 15,000   -
                     Total $ 16,212   $ - $ 16,212 $ - $ 16,212 $ -
December 31, 2015    
Assets:  
       Interest rate swaps $ (179 ) $ - $ -   $ - $ - $ -
Liabilities:    
       Interest rate swaps $ 131 $ - $ 131 $ -   $ 131 $ -
       Repurchase    
              agreements 15,000 - 15,000 - 15,000 -
                     Total $                15,131 $ - $ 15,131 $ - $      15,131 $                -
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Presentation of Debt Issuance Costs
 9 Months Ended
Sep. 30, 2016
Presentation of Debt Issuance Costs

Note 15 – Presentation of Debt Issuance Costs

As of January 1, 2016, the Company adopted Accounting Standards Update (“ASU”) No. 2015-03 “Simplifying the Presentation of Debt Issuance Costs,” which requires that debt issuance costs be presented in the consolidated statement of condition as a direct deduction from the carrying amount of debt liability. This ASU is required to be applied retrospectively to all periods presented. The following table summarizes the impact of retrospective application to the consolidated statement of condition for the year ended December 31, 2015:

December 31,
(dollars in thousands) 2015
Other assets
       As previously reported $ 24,908
       As reported under the new guidance 24,096
 
Total assets
       As previously reported $ 4,016,721
       As reported under the new guidance 4,015,909
 
Subordinated debentures
       As previously reported $ 55,155
       As reported under the new guidance 54,343
 
Total liabilities
       As previously reported $        3,539,377
       As reported under the new guidance 3,538,565
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New Authoritative Accounting Guidance (Policies)
 9 Months Ended
Sep. 30, 2016
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]  
New Authoritative Accounting Guidance

ASU No. 2014-09, “Revenue from Contracts with Customers (Topic 606).” ASU 2014-09 implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASU 2014-09 is that an entity should recognize revenue to depict 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. To achieve that core principle, an entity should apply the following steps: (i) identify the contract(s) with a customer; (ii) identify the performance obligations in the contract; (iii) determine the transaction price; (iv) allocate the transaction price to the performance obligations in the contract; and (v) recognize revenue when (or as) the entity satisfies a performance obligation. ASU 2014-09 was originally going to be effective for us on January 1, 2017; however, the FASB recently issued ASU 2015-14, “Revenue from Contracts with Customers (Topic 606) - Deferral of the Effective Date” which deferred the effective date of ASU 2014-09 by one year to January 1, 2018. The Company is currently evaluating the potential impact of ASU 2014-09 on its consolidated financial statements.

ASU No. 2014-12, “Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period ("ASU 2014-12"). ASU 2014-12 requires that a performance target that affects vesting, and that could be achieved after the requisite service period, be treated as a performance condition. As such, the performance target should not be reflected in estimating the grant date fair value of the award. This update further clarifies that compensation cost should be recognized in the period in which it becomes probable that the performance target will be achieved and should represent the compensation cost attributable to the period(s) for which the requisite service has already been rendered. The Company adopted ASU 2014-12 effective on January 1, 2016 and its adoption did not have a significant impact on the Company’s consolidated financial statements.

ASU No. 2015-03, "Interest-Imputation of Interest (Subtopic 835-30) Simplifying the Presentation of Debt Issuance Costs (“ASU 2015-13)" requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in the ASU No. 2015-03. The Company adopted ASU No. 2015-03 effective on January 1, 2016 and its adoption did not have a significant impact on the Company’s consolidated financial statements.

ASU No. 2015-12, "Plan Accounting: Defined Benefit Pension Plans (Topic 960): Defined Contribution Pension Plans, (Topic 962): Health and Welfare Benefit Plans, (Topic 965): (Part I) Fully Benefit-Responsive Investment Contracts, (Part II) Plan Investment Disclosures, (Part III) Measurement Date Practical Expedient." ASU No. 2015-12 simplifies accounting for employee benefit plans as follows: (i) fully benefit-responsive investment contracts are now to be measured, presented and disclosed at contract value, (ii) the requirement to disclose investments that represent 5 percent or more of net assets available for benefits has been eliminated, (iii) the net appreciation or depreciation in investments for the period should be presented in the aggregate, but is no longer required to be disaggregated and disclosed by general type, (iv) if an investment is measured using the net asset value per share (or its equivalent) practical expedient in Topic 820, and that investment is in a fund that files a U.S. Department of Labor Form 5500, Annual Return/Report of Employee Benefit Plan, as a direct filing entity, disclosure of that investment’s strategy is no longer required, and (v) allows employers to measure (as a practical expedient) benefit plan assets on a month-end date nearest to the employer’s fiscal year end when the fiscal period does not coincide with a month end. The Company adopted ASU No. 2015-12 effective on January 1, 2016 and its adoption did not have a significant impact on the Company’s consolidated financial statements.

ASU No. 2015-15, “Interest – Imputation of Interest (Subtopic 835-30) – Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements. Amendments to SEC Paragraphs Pursuant to Staff Announcement at June 18, 2015 EITF Meeting." ASU 2015-15 adds SEC paragraphs pursuant to an SEC Staff Announcement that given the absence of authoritative guidance within ASU 2015-03 for debt issuance costs related to line-of-credit arrangements, the SEC staff would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. The adoption of ASU 2015-15 did not have a material impact on the Company’s consolidated financial statements.

ASU No. 2015-16, “Business Combinations (Topic 805) - Simplifying the Accounting for Measurement-Period Adjustments.” ASU 2015-16 requires that adjustments to provisional amounts that are identified during the measurement period of a business combination be recognized in the reporting period in which the adjustment amounts are determined. The acquirer must also disclose, by line item, the amount of the adjustment reflected in the current-period income statement that would have been recognized in previous periods if the adjustment to the provision amounts had been recognized as of the acquisition date. Under previous guidance, adjustments to provisional amounts identified during the measurement period are to be recognized retrospectively. The adoption of ASU 2015-16 will impact the accounting for future acquisitions.

ASU No. 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities.” ASU 2016-1, among other things; (i) requires equity investments, with certain exceptions, to be measured at fair value with changes in fair value recognized in net income, (ii) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (iii) eliminates the requirement for public business entities to disclose the methods and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (iv) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (v) requires an entity to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments; (vi) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset on the balance sheet or the accompanying notes to the financial statements; and (vii) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale. ASU 2016-1 will be effective for us on January 1, 2018 and we are currently evaluating the potential impact of ASU No. 2016-01 on our consolidated financial statements.

ASU No. 2016-02, “Leases (Topic 842)” requires the recognition of a right of use asset and related lease liability by lessees for leases classified as operating leases under current accounting principles GAAP. Topic 842, which replaces the current guidance under Topic 840, retains a distinction between finance leases and operating leases. The recognition, measurement, and presentation of expenses and cash flows arising from a lease by a lessee also will not significantly change from current GAAP. For leases with a term of 12 months or less, a lessee is permitted to make an accounting policy election by class of underlying asset not to recognize right of use assets and lease liabilities. Topic 842 will be effective for the Company for reporting periods beginning January 1, 2019, with an early adoption permitted. The Company must apply a modified retrospective transition approach for the applicable leases existing at, or entered into after, the beginning of the earliest comparative period presented in the consolidated financial statements. The modified retrospective approach would not require any transition accounting for leases that expired before the earliest comparative period presented. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements.

ASU 2016-09,“Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting.” Under ASU 2016-09 all excess tax benefits and tax deficiencies related to share-based payment awards should be recognized as income tax expense or benefit in the income statement during the period in which they occur. Previously, such amounts were recorded in the pool of excess tax benefits included in additional paid-in capital, if such pool was available. Because excess tax benefits are no longer recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share should exclude the amount of excess tax benefits that would have previously been recognized in additional paid-in capital. Additionally, excess tax benefits should be classified along with other income tax cash flows as an operating activity rather than a financing activity, as was previously the case. ASU 2016-09 also provides that an entity can make an entity-wide accounting policy election to either estimate the number of awards that are expected to vest (current GAAP) or account for forfeitures when they occur. ASU 2016-09 changes the threshold to qualify for equity classification (rather than as a liability) to permit withholding up to the maximum statutory tax rates (rather than the minimum as was previously the case) in the applicable jurisdictions. ASU 2016-09 will be effective on January 1, 2017 and is not expected to have a significant impact on our consolidated financial statements.

ASU No. 2016-10,“Revenue from Contracts with Customers (Topic 606): Identifying Performance Obligations and Licensing.” ASU 2016-10 was issued to clarify ASC Topic 606, “Revenue from Contracts with Customers” related to (i) identifying performance obligations; and (ii) the licensing implementation guidance. The effective date and transition of ASU 2016-10 is the same as the effective date and transition of ASU 2014-09, “Revenue from Contracts with Customers (Topic 606),” as discussed above. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements.

ASU No. 2016-12,“Revenue from Contracts with Customers (Topic 606): Narrow-Scope Improvements and Practical Expedients.” ASU 2016-12 was issued to clarify ASC Topic 606, “Revenue from Contracts with Customers” and to address narrow-scope improvements to the guidance on collectability, noncash consideration, and completed contracts at transition. Additionally, the amendments in this Update provide a practical expedient for contract modifications at transition and an accounting policy election related to the presentation of sales taxes and other similar taxes collected from customers. The effective date and transition of ASU 2016-12 is the same as the effective date and transition of ASU 2014-09, “Revenue from Contracts with Customers (Topic 606),” as discussed above. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements.

ASU No. 2016-15, “Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments” provides guidance on the following eight specific cash flow issues: (1) Debt Prepayment or Debt Extinguishment Costs: Cash payments for debt prepayment or debt extinguishment costs should be classified as cash outflows for financing activities; (2) Settlement of Zero-Coupon Debt Instruments or Other Debt Instruments with Coupon Interest Rates That Are Insignificant in Relation to the Effective Interest Rate of the Borrowing: At the settlement of zero-coupon debt instruments or other debt instruments with coupon interest rates that are insignificant in relation to the effective interest rate of the borrowing, the issuer should classify the portion of the cash payment attributable to the accreted interest related to the debt discount as cash outflows for operating activities, and the portion of the cash payment attributable to the principal as cash outflows for financing activities; (3) Contingent Consideration Payments Made after a Business Combination: Cash payments not made soon after the acquisition date of a business combination by an acquirer to settle a contingent consideration liability should be separated and classified as cash outflows for financing activities and operating activities. Cash payments up to the amount of the contingent consideration liability recognized at the acquisition date (including measurement-period adjustments) should be classified as financing activities; any excess should be classified as operating activities. Cash payments made soon after the acquisition date of a business combination by an acquirer to settle a contingent consideration liability should be classified as cash outflows for investing activities; (4) Proceeds from the Settlement of Insurance Claims: Cash proceeds received from the settlement of insurance claims should be classified on the basis of the related insurance coverage (that is, the nature of the loss). For insurance proceeds that are received in a lump-sum settlement, an entity should determine the classification on the basis of the nature of each loss included in the settlement; (5) Proceeds from the Settlement of Corporate-Owned Life Insurance Policies, including Bank-Owned Life Insurance Policies: Cash proceeds received from the settlement of corporate-owned life insurance policies should be classified as cash inflows from investing activities. The cash payments for premiums on corporate-owned policies may be classified as cash outflows for investing activities, operating activities, or a combination of investing and operating activities; (6) Distributions Received from Equity Method Investees: When a reporting entity applies the equity method, it should make an accounting policy election to classify distributions received from equity method investees using either of the following approaches: a. Cumulative earnings approach: Distributions received are considered returns on investment and classified as cash inflows from operating activities, unless the investor’s cumulative distributions received less distributions received in prior periods that were determined to be returns of investment exceed cumulative equity in earnings recognized by the investor. When such an excess occurs, the current-period distribution up to this excess should be considered a return of investment and classified as cash inflows from investing activities. b. Nature of the distribution approach: Distributions received should be classified on the basis of the nature of the activity or activities of the investee that generated the distribution as either a return on investment (classified as cash inflows from operating activities) or a return of investment (classified as cash inflows from investing activities) when such information is available to the investor. If an entity elects to apply the nature of the distribution approach and the information to apply that approach to distributions received from an individual equity method investee is not available to the investor, the entity should report a change in accounting principle on a retrospective basis by applying the cumulative earnings approach in (1) for that investee. In such situations, an entity should disclose that a change in accounting principle has occurred with respect to the affected investee(s) due to the lack of available information and should provide the disclosures required in paragraphs 250-10-50-1(b) and 250-10-50-2, as applicable. This amendment does not address equity method investments measured using the fair value option; (7) Beneficial Interests in Securitization Transactions: A transferor’s beneficial interest obtained in a securitization of financial assets should be disclosed as a non cash activity, and cash receipts from payments on a transferor’s beneficial interests in securitized trade receivables should be classified as cash inflows from investing activities; (8) Separately Identifiable Cash Flows and Application of the Predominance Principle: The classification of cash receipts and payments that have aspects of more than one class of cash flows should be determined first by applying specific guidance in generally accepted accounting principles (GAAP). In the absence of specific guidance, an entity should determine each separately identifiable source or use within the cash receipts and cash payments on the basis of the nature of the underlying cash flows. An entity should then classify each separately identifiable source or use within the cash receipts and payments on the basis of their nature in financing, investing, or operating activities. In situations in which cash receipts and payments have aspects of more than one class of cash flows and cannot be separated by source or use, the appropriate classification should depend on the activity that is likely to be the predominant source or use of cash flows for the item. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity that elects early adoption must adopt all of the amendments in the same period. The amendments in this Update should be applied using a retrospective transition method to each period presented. If it is impracticable to apply the amendments retrospectively for some of the issues, the amendments for those issues would be applied prospectively as of the earliest date practicable. The Company is currently evaluating this ASU to determine the impact on its consolidated financial position, results of operations and cash flows.

ASU No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Assets Measured at Amortized Cost.” ASU 2016-13 requires a financial asset (or a group of financial assets) measured at amortized cost basis to be presented at the net amount expected to be collected. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of the financial asset(s) to present the net carrying value at the amount expected to be collected on the financial asset. The income statement reflects the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. The measurement of expected credit losses is based on relevant information about past events, including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. An entity must use judgment in determining the relevant information and estimation methods that are appropriate in its circumstances. The allowance for credit losses for purchased financial assets with a more-than insignificant amount of credit deterioration since origination (PCD assets) that are measured at amortized cost basis is determined in a similar manner to other financial assets measured at amortized cost basis; however, the initial allowance for credit losses is added to the purchase price rather than being reported as a credit loss expense. Only subsequent changes in the allowance for credit losses are recorded as a credit loss expense for these assets. Interest income for PCD assets should be recognized based on the effective interest rate, excluding the discount embedded in the purchase price that is attributable to the acquirer assessment of credit losses at acquisition. Available-for-Sale Debt Securities—Credit losses relating to available-for-sale debt securities should be recorded through an allowance for credit losses. Available-for-sale accounting recognizes that value may be realized either through collection of contractual cash flows or through sale of the security. Therefore, the amendments limit the amount of the allowance for credit losses to the amount by which fair value is below amortized cost because the classification as available for sale is premised on an investment strategy that recognizes that the investment could be sold at fair value, if cash collection would result in the realization of an amount less than fair value. The allowance for credit losses for purchased available-for-sale securities with a more-than-insignificant amount of credit deterioration since origination is determined in a similar manner to other available-for-sale debt securities; however, the initial allowance for credit losses is added to the purchase price rather than reported as a credit loss expense. Only subsequent changes in the allowance for credit losses are recorded in credit loss expense. Interest income should be recognized based on the effective interest rate, excluding the discount embedded in the purchase price that is attributable to the acquirer’s assessment of credit losses at acquisition. For public business entities that are U.S. Securities and Exchange Commission (SEC) filers, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. For all other public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. We are currently evaluating the potential impact of ASU 2016-10 on our consolidated financial statements.
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Earnings per Common Share (Tables)
 9 Months Ended
Sep. 30, 2016
Earnings Per Share [Abstract]  
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]

Earnings per common share have been computed as follows:

Three Months Ended Nine Months Ended
September 30,   September 30,
(in thousands, except per share amounts) 2016       2015       2016       2015
Net income $ 11,856 $ 10,842 $ 33,106 $ 31,743
Preferred stock dividends - (28 ) (22 ) (84 )
       Net income available to common stockholders $        11,856 $        10,814 $        33,084 $        31,659
Basic weighted average common shares outstanding   30,125 30,046   30,100 29,786
Effect of dilutive options (1) 276   290   276   537
       Diluted weighted average common shares outstanding (2) 30,401 30,336 30,376   30,323
Earnings per common share:  
       Basic $ 0.39 $ 0.36 $ 1.10 $ 1.06
       Diluted 0.39 0.36 1.09 1.04

(1) Represents incremental shares computed using the treasury stock method.
(2) Anti-dilutive shares are not included in determining diluted earnings per share. There were no anti-dilutive shares in
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Investment Securities (Tables)
 9 Months Ended
Sep. 30, 2016
Investments, Debt and Equity Securities [Abstract]  
Unrealized Gain (Loss) on Investments [Table Text Block]

The following tables present information related to the Company’s investment securities at September 30, 2016 and December 31, 2015 (dollars in thousands):

Gross Gross
Amortized Unrealized Unrealized Fair
September 30, 2016 Cost Gains Losses Value
Investment securities available-for-sale                  
       Federal agency obligations $ 55,024 $ 1,084 $ (9 ) $ 56,099
       Residential mortgage pass-through securities 62,124 1,292 (12 ) 63,404
       Commercial mortgage pass-through securities 4,218 151 - 4,369
       Obligations of U.S. states and political subdivisions 135,781 5,582 (2 ) 141,361
       Trust preferred securities 5,574 310 (209 ) 5,675
       Corporate bonds and notes 37,725 916 (348 ) 38,293
       Asset-backed securities 15,797 1 (296 ) 15,502
       Certificates of deposit 973 15 - 988
       Equity securities 376 52 (3 ) 425
       Other securities 12,332 94 (83 ) 12,343
              Total securities available-for-sale $ 329,924 $ 9,497 $ (962 ) $ 338,459
 
Gross Gross
Amortized Unrealized Unrealized Fair
December 31, 2015 Cost Gains Losses Value
Investment securities available-for-sale
       Federal agency obligations $ 29,062 $ 142 $ (58 ) $ 29,146
       Residential mortgage pass-through securities 44,155 803 (48 )   44,910
       Commercial mortgage pass-through securities 2,981   - (9 ) 2,972
       Obligations of U.S. states and political subdivisions 8,188 169 -   8,357
       Trust preferred securities 16,088 398 (231 ) 16,255
       Corporate bonds and notes 53,566 702   (292 ) 53,976
       Asset-backed securities   20,005 18 (298 ) 19,725
       Certificates of deposit 1,895 18   (8 ) 1,905
       Equity securities 376 21 (23 ) 374
       Other securities 18,303   - (153 ) 18,150
              Total securities available-for-sale $         194,619 $         2,271 $         (1,120 ) $         195,770
 
Gross Gross
Amortized Unrecognized Unrecognized Fair
Cost Gains Losses Value
Investment securities held-to-maturity
       U.S. Treasury and agency securities $ 28,471 $ 755 $ - $ 29,226
       Federal agency obligations 33,616 280 (119 ) 33,777
       Residential mortgage-backed securities 3,805 11 (6 ) 3,810
       Commercial mortgage-backed securities 4,110 27 (2 ) 4,135
       Obligations of U.S. states and political divisions 118,015 5,001 (3 ) 123,013
       Corporate bonds and notes 36,039 719 (161 ) 36,597
              Total securities held-to-maturity $ 224,056 $ 6,793 $ (291 ) $ 230,558
                         
       Total investment securities $ 418,675 $ 9,064 $ (1,411 ) $ 426,328
Investments Classified by Contractual Maturity Date [Table Text Block]

The following table presents information for investment securities at September 30, 2016, based on scheduled maturities. Actual maturities can be expected to differ from scheduled maturities due to prepayment or early call options of the issuer.

September 30, 2016
Amortized       Fair
Cost Value
(in thousands)
Investment securities available-for-sale:
       Due in one year or less $ 3,886   $ 3,906
       Due after one year through five years 26,238 26,914
       Due after five years through ten years 55,486 57,204
       Due after ten years 165,264   169,894
Residential mortgage pass-through securities   62,124 63,404
Commercial mortgage pass-through securities 4,218 4,369
Equity securities 376 425
Other securities 12,332 12,343
       Total $      329,924 $      338,459
Schedule of Realized Gain (Loss) [Table Text Block]

Gross gains and losses from the sales, calls and maturities of investment securities for the three-month and nine-month periods ended September 30, 2016 and 2015 were as follows:

Three Months Ended Nine Months Ended
September 30, September 30,
(in thousands)       2016       2015       2016       2015
Proceeds   $ 78,680 $ 32,125 $ 85,253 $ 44,397
Gross gains on sales of investment securities 4,131   2,067 4,234   2,793
Gross losses on sales of investment securities   -   -   -   -
       Net gains on sales of investment securities 4,131 2,067 4,234 2,793
       Less: tax provision on net gains 1,640 794 1,682 1,091
 
              Total $ 2,491 $ 1,273 $ 2,552 $ 1,702
Schedule of Unrealized Loss on Investments [Table Text Block]

The following tables indicate gross unrealized losses not recognized in income and fair value, aggregated by investment category and the length of time individual securities have been in a continuous unrealized loss position at September 30, 2016 and December 31, 2015:

September 30, 2016
Total Less than 12 Months 12 Months or Longer
Fair Unrealized Fair Unrealized Fair Unrealized
Value       Losses       Value       Losses       Value       Losses
(in thousands)
Investment securities
       available-for-sale:
 
Federal agency obligation $ 2,685 $ (9 ) $ 1,366 $ (3 ) $ 1,319 $ (6 )
Residential mortgage  
       pass-through securities 2,978 (12 ) 2,596 (9 ) 382 (3 )
Obligations of U.S. states        
       and political subdivisions 575 (2 ) 575   (2 )
Trust preferred securities 1,369 (209 ) - -   1,369   (209 )
Corporate bonds and notes 13,945   (348 ) 5,741   (185 ) 8,204 (163 )
Asset-backed securities 14,025 (296 ) 3,891 (72 ) 10,134   (224 )
Equity securities 134 (3 )   - -   134 (3 )
Other securities 5,417 (83 ) - -   5,417 (83 )
       Total temporarily impaired
              securities $         41,128 $         (962 ) $         14,169 $         (271 ) $         26,959 $          (691 )

December 31, 2015
Total Less than 12 Months 12 Months or Longer
Fair Unrealized Fair Unrealized Fair   Unrealized
Value       Losses       Value       Losses       Value       Losses
(dollars in thousands)
Investment Securities
       Available-for-Sale:
 
Federal agency obligation $ 12,260 $ (58 ) $ 12,013 $ (54 ) $ 247 $ (4 )
Residential mortgage
       pass-through securities 9,027 (48 ) 9,027 (48 ) - -
Commercial mortgage-backed
       securities 2,971 (9 ) 2,971 (9 ) - -
Trust preferred securities 1,345 (231 ) - - 1,345 (231 )
Corporate bonds and notes 16,533 (292 ) 12,702 (161 ) 3,831 (131 )
Asset-backed securities 14,745 (298 ) 11,250 (188 ) 3,495 (110 )
Certificates of deposit 215 (8 ) 215 (8 ) - -
Equity securities 123 (23 ) - - 123 (23 )
Other securities 5,347 (153 ) - - 5,347 (153 )
Total $         62,566 $         (1,120 ) $         48,178 $         (468 ) $         14,388 $         (652 )
 
Investment Securities
       Held-to-Maturity:
 
Federal agency obligation 12,554 (119 )   11,783 (109 ) 771 (10 )
Residential mortgage
       pass-through securities 2,480   (6 ) 2,480 (6 ) - -
Commercial mortgage-backed                
       securities 1,331 (2 ) 1,331   (2 ) -   -  
Obligations of U.S. states      
       and political subdivisions 981   (3 ) 981 (3 ) - -
Corporate bonds and notes 5,536 (161 ) 5,536 (161 ) - -
Total $ 22,882 $ (291 ) $ 22,111 $ (281 ) $ 771 $ (10 )
 
Total Temporarily Impaired
       Securities $ 85,448 $ (1,411 ) $ 70,289 $ (749 ) $ 15,159 $ (662 )
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Derivatives (Tables)
 9 Months Ended
Sep. 30, 2016
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
Schedule of Interest Rate Derivatives [Table Text Block]

Summary information about the interest rate swaps designated as cash flow hedges as of September 30, 2016, December 31, 2015 and September 30, 2015 are presented in the following table.

September 30, December 31, September 30,
(dollars in thousands) 2016       2015       2015
Notional amount $ 75,000 $ 75,000 $ 75,000
Weighted average pay rates   1.58 % 1.56 %     1.56 %
Weighted average receive rates 0.70 %     0.44 % 0.30 %
Weighted average maturity     3.1 years         3.8 years     4.1 years
Fair value $ (1,212 ) $ (131 ) $ (1,105 )
Schedule of Cash Flow Hedges Included in Accumulated Other Comprehensive Income (Loss) [Table Text Block]

The following table presents the net gains (losses), recorded in other comprehensive income and the Consolidated Statements of Income relating to the cash flow derivative instruments for the following periods:

Nine Months Ended September 30, 2016
Amount of loss Amount of loss Amount of loss
recognized reclassified recognized in other
in OCI (Effective from OCI to Noninterest income
(in thousands)       Portion)       interest income       (Ineffective Portion)
Interest rate contracts $ (640) $ - $ -
 
Nine Months Ended September 30, 2015
Amount of loss Amount of loss Amount of loss
recognized reclassified recognized in other
in OCI (Effective from OCI to Noninterest income
(in thousands) Portion) interest income (Ineffective Portion)
Interest rate contracts $ (1,153) $ - $ -
Schedule of Cash Flow Hedging Instruments, Statements of Financial Performance and Financial Position, Location [Table Text Block]

The following table reflects the cash flow hedges included in the consolidated statements of condition as of September 30, 2016 and December 31, 2015:

September 30, 2016 December 31, 2015
Notional Notional
(in thousands) Amount       Fair Value       Amount       Fair Value
Interest rate swaps related to FHLB Advances included in Assets $ 75,000 $        (1,212 ) $ 75,000 $        (131 )
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Loans and the Allowance for Loan and Lease Losses (Tables)
 9 Months Ended
Sep. 30, 2016
Receivables [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

The following table sets forth the composition of the Company’s loan portfolio, including net deferred loan fees, at September 30, 2016 and December 31, 2015:

September 30, December 31,
2016       2015
  (in thousands)
Commercial $ 644,430 $ 570,116
Commercial real estate 2,100,804 1,966,696
Commercial construction 471,109     328,838
Residential real estate   229,401   233,690
Consumer 2,879 2,454
       Gross loans 3,448,623 3,101,794  
Net deferred loan fees (3,147 ) (2,787 )
       Total loans receivable $       3,445,476 $       3,099,007
Loans and Leases Receivable Purchase Credit Impaired Loans [Table Text Block]

The carrying amount of those loans is as follows at September 30, 2016 and December 31, 2015.

September 30, December 31,
2016       2015
(in thousands)
Commercial $ 7,027 $ 7,078
Commercial real estate 1,002 1,775
Residential real estate   -   328
       Total carrying amount $ 8,029   $ 9,181
Loans and Leases Receivable Purchased Loans [Table Text Block]

The accretable yield, or income expected to be collected, on the purchased loans disclosed above for the three and nine months ended September 30, 2016 is as follows (in thousands):

Three Months Three Months
Ended Ended
September       September
30, 2016 30, 2015
Beginning balance $               3,233     $               4,013  
New loans purchased   -   -  
Accretion of income   (185 )     (207 )
Reclassification from nonaccretable differences -     -
Disposals   -       -  
Ending balance $ 3,048 $ 3,806

Nine Months Nine Months
Ended Ended
      September       September
30, 2016 30, 2015
Beginning balance $             3,599 $             4,467
New loans purchased - -
Accretion of income (551 ) (661 )
Reclassification from nonaccretable differences - -
Disposals - -
Ending balance $ 3,048 $ 3,806
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

The following table presents information about the recorded investment in loan receivables on nonaccrual status by segment at September 30, 2016 and December 31, 2015:

September 30, December 31,
2016       2015
(in thousands)
Commercial $ 5,982 $ 6,586
Commercial real estate 2,489   9,112
Commercial construction -   1,479
Residential real estate 3,022 3,559
       Total loans receivable on nonaccrual status $ 11,493 $ 20,736
Financing Receivable Credit Quality Indicators [Table Text Block]

The following table presents information, excluding loans held-for-sale and net deferred loan fees, about the Company’s loan credit quality at September 30, 2016 and December 31, 2015:

September 30, 2016
Special
      Pass       Mention       Substandard       Doubtful       Total
(in thousands)
Commercial $        531,599 $        2,787 $        110,044 $        - $        644,430
Commercial real estate 2,049,986 32,504 18,314 - 2,100,804
Commercial construction 469,735 1,374 - - 471,109
Residential real estate 226,012 -   3,389 - 229,401
Consumer 2,812 - 67 - 2,879
 
       Total loans $ 3,280,144 $ 36,665 $ 131,814 $ - $ 3,448,623
 
December 31, 2015
Special
Pass Mention Substandard Doubtful Total
(in thousands)
Commercial $ 462,358 $ 11,760 $ 95,998 $ - $ 570,116
Commercial real estate 1,919,041 18,990 28,426 239 1,966,696
Commercial construction 326,697 662 1,479 - 328,838
Residential real estate 229,426 - 4,264 - 233,690
Consumer 2,368 - 86 - 2,454
 
       Total loans $ 2,939,890 $ 31,412 $ 130,253 $ 239 $ 3,101,794
Impaired Financing Receivables [Table Text Block]

The following table provides an analysis of the impaired loans, by loan segment, at September 30, 2016 and December 31, 2015:

September 30, 2016
Unpaid
Recorded Principal Related
      Investment       Balance       Allowance
No related allowance recorded (in thousands)
Commercial $ 6,718 $ 7,025
Commercial real estate 9,166 9,182
Commercial construction 1,374 1,374
Residential real estate 3,389 3,823
Consumer 67 67
       Total $        20,714 $        21,471
 
With an allowance recorded
Commercial $ 95,964 $ 95,964 $        12,931
Commercial real estate 153 153 105
       Total $ 96,117 $ 96,117 $ 13,036
 
Total
Commercial $ 102,682 $ 103,989 $ 12,931
Commercial real estate 9,319 9,335 105
Commercial construction 1,374 1,374 -
Residential real estate 3,389 3,823 -
Consumer 67 67 -
       Total $ 116,831 $ 117,588 $ 13,036
 
 
December 31, 2015
Unpaid
Recorded Principal Related
Investment Balance Allowance
No related allowance recorded (in thousands)
Commercial $ 610 $ 645
Commercial real estate 15,517 16,512
Commercial construction 2,149 2,141
Residential real estate 3,954 4,329
Consumer 87 86
       Total $ 22,317 $ 23,713
 
With an allowance recorded
Commercial $ 84,787 $ 84,449 $ 6,725
 
Total
Commercial $ 85,397 $ 85,094 $ 6,725
Commercial real estate 15,517 16,512 -
Commercial construction 2,149 2,141 -
Residential real estate 3,954 4,329 -
Consumer 87 86 -
       Total $ 107,104 $ 108,162 $ 6,725
Schedule of Average Balance and Interest Income Recognized on Impaired Loans [Table Text Block]

The following table provides an analysis related to the average recorded investment and interest income recognized on impaired loans by segment as of and for the three and nine months ended September 30, 2016 and 2015 (in thousands):

Three Months Ended September 30, Nine Months Ended September 30,
2016 2015   2016 2015  
Average Interest Average Interest Average Interest Average Interest
Recorded Income Recorded Income Recorded Income Recorded Income
    Investment    Recognized    Investment    Recognized    Investment    Recognized    Investment    Recognized
Impaired loans with no
related allowance
recorded:
 
Commercial $       6,704 $       66 $       712 $       - $       4,317 $       86 $       707 $       -
Commercial real estate 9,129 65 4,869 15 8,167 118 4,905 46
Commercial
construction 1,224 21 1,479 - 979 54 1,479 -
Residential real estate 3,271 5 3,221 7 3,247 15 3,251 12
Consumer 70 1 100 1 74 3 102 4
Total $ 20,398 $ 158 $ 10,381 23 $ 16,784 $ 276 $ 10,444 $ 62
 
Impaired loans with an
allowance recorded:
 
Commercial $ 91,393 $ 925 $ 79,732 $ 722 $ 85,620 $ 2,447 $ 45,747 $ 1,206
Commercial real estate 153 - - - 153 - - -
Total $ 91,5476 $ 925 $ 79,732 $ 722 $ 102,577 $ 2,447 $ 45,747 $ 1,206
 
Total impaired loans:
 
Commercial $ 98,097 $ 991 $ 80,444 $ 722 $ 89,937 $ 2,533 $ 46,454 $ 1,206
Commercial real estate 9,282 65 4,869 15 8,320 118 4,905 46
Commercial
construction 1,224 21 1,479 - 979 54 1,479 -
Residential real estate 3,271 5 3,221 7 3,247 15 3,251 12
Consumer 70 1 100 1 74 3 102 4
 
Total $ 111,944 $ 1,083 $ 90,113 $ 745 $ 102,557 $ 2,753 $ 56,191 $ 1,268
Past Due Financing Receivables [Table Text Block]

The following table provides an analysis of the aging of gross loans (excluding loans held-for-sale) that are past due at September 30, 2016 and December 31, 2015 by segment:

Aging Analysis

September 30, 2016
90 Days or Greater than 90 Days
30-59 Days 60-89 Days Greater Past Total Loans Past Due and Still
Past Due Past Due Due Total Current Receivable Accruing/Accreting
   (in thousands)
Commercial $      -    $      249    $      5,363    $      5,612    $      638,818    $      644,430    $      4,543
Commercial real
estate 461 1,600 2,385 4,446 2,096,358 2,100,804 654
Commercial
construction - - - - 471,109 471,109 -
Residential real
estate 505 924 1,778 3,207 226,194 229,401 -
Consumer 9 - - 9 2,870 2,879
       Total $ 975 $ 2,773 $ 9,526 $ 13,274 $ 3,435,349 $ 3,448,623 $ 5,197
 
 
December 31, 2015
90 Days or Greater than 90 Days
30-59 Days 60-89 Days Greater Past Total Loans Past Due and Still
Past Due Past Due Due Total Current Receivable Accruing/Accreting
(in thousands)
Commercial $ 6,887 $ 3,505 $ 6,865 $ 17,257 $ 552,859 $ 570,116 $ -
Commercial real
estate 1,998 988 9,561 12,547 1,954,149 1,966,696 -
Commercial
construction - - 1,479 1,479 327,359 328,838 -
Residential real
estate - - 2,122 2,122 231,568 233,690 -
Consumer 4 9 - 13 2,441 2,454 -
       Total $ 8,889 $ 4,502 $ 20,027 $ 33,418 $ 3,068,376 $ 3,101,794 $ -
Schedule of Recorded Investment in Financing Receivables [Table Text Block]

The following tables detail, at the period-end presented, the amount of gross loans (excluding loans held-for-sale) that are evaluated individually, and collectively, for impairment, those acquired with deteriorated quality, and the related portion of the allowance for loan and lease losses that are allocated to each loan portfolio segment:

September 30, 2016
Commercial Commercial Residential
    Commercial     real estate     construction     real estate     Consumer     Unallocated     Total
(in thousands)
Allowance for loan and lease losses
Individually evaluated for impairment $       12,931 $       105 $       - $       - $       - $       - $       13,036
Collectively evaluated for impairment 7,465 11,270 4,072 1,174 4 594 24,579
Acquired portfolio - - - - - - -
Acquired with deteriorated credit quality - - - - - - -
Total $ 20,396 $ 11,375 $ 4,072 $ 1,174 $ 4 $ 594 $ 37,615
 
Gross loans
Individually evaluated for impairment $ 102,682 $ 9,319 $ 1,374 $ 3,389 $ 67 $ - $ 116,831
Collectively evaluated for impairment 487,657 1,480,859 462,687 153,488 2,178 - 2,586,869
Acquired portfolio 47,064 609,624 7,048 72,524 634 - 736,894
Acquired with deteriorated credit quality 7,027 1,002 - - - - 8,029
Total $ 644,430 $ 2,100,804 $ 471,109 $ 229,401 $ 2,879 $ - $ 3,448,623
 
 
December 31, 2015
Commercial Commercial Residential
Commercial real estate construction real estate Consumer Unallocated Total
(in thousands)
Allowance for loan and lease losses
Individually evaluated for impairment $ 6,725 $ - $ - $ - $ - $ - $ 6,725
Collectively evaluated for impairment 4,224 10,926 3,253 976 4 464 19,847
Acquired portfolio - - - - - - -
Acquired with deteriorated credit quality - - - - - - -
Total $ 10,949 $ 10,926 $ 3,253 $ 976 $ 4 $ 464 $ 26,572
 
Gross loans
Individually evaluated for impairment $ 85,397 $ 15,517 $ 2,149 $ 3,954 $ 87 $ - $ 107,104
Collectively evaluated for impairment 395,424 1,269,140 315,785 136,633 1,649 - 2,118,631
Acquired portfolio 82,217 680,264 10,904 92,775 718 866,878
Acquired with deteriorated credit quality 7,078 1,775 - 328 - - 9,181
Total $ 570,116 $ 1,966,696 $ 328,838 $ 233,690 $ 2,454 $ - $ 3,101,794
Allowance for Credit Losses on Financing Receivables [Table Text Block]

A summary of the activity in the allowance for loan and lease losses is as follows:

Three Months Ended September 30, 2016
Commercial Commercial Residential
    Commercial       real estate     construction     real estate     Consumer     Unallocated     Total
(in thousands)
Balance at June 30, 2016 $       15,548 $        11,371 $      4,040 $         1,091 $             4 $            709 $      32,763
 
Charge-offs (1,878 ) - - (27 ) (5 ) - (1,910 )
 
Recoveries 1 10 - - 1 - 12
 
Provision 6,725 (6 ) 32 110 4 (115 ) 6,750
 
Balance at September 30,
2016 $ 20,396 $ 11,375 $ 4,072 $ 1,174 $ 4 $ 594 $ 37,615
 
 
Three Months Ended September 30, 2015
Commercial Commercial Residential
Commercial real estate construction real estate Consumer Unallocated Total
(in thousands)
Balance at June 30, 2015 $ 4,633 $ 9,195 $ 1,945 $ 1,161 $ 7 $ 539 $ 17,480
 
Charge-offs - (124 ) - - - - (124 )
 
Recoveries 2 - - - - - 2
 
Provision 2,488 1,203 701 (149 ) (3 ) (65 ) 4,175
 
Balance at September 30,
2015 $ 4,633 $ 9,195 $ 2,646 $ 1,012 $ 4 $ 474 $ 21,533

Nine Months Ended September 30, 2016
Commercial Commercial Residential
    Commercial     real estate     construction     real estate     Consumer     Unallocated     Total
(in thousands)
Balance at December 31,
2015 $        10,949 $        10,926 $        3,253 $         976 $            4 $            464 $        26,572
 
Charge-offs (2,396 ) - - (94 ) (10 ) - (2,500 )
 
Recoveries 2 35 - 3 3 - 43
 
Provision 11,841 414 819 289 7 130 13,500
 
Balance at September 30,
2016 $ 20,396 $ 11,375 $ 4,072 $ 1,174 $ 4 $ 594 $ 37,615
 
Nine Months Ended September 30, 2015
Commercial Commercial Residential
Commercial real estate construction real estate Consumer Unallocated Total
(in thousands)
Balance at December 31,
2014 $ 3,083 $ 7,799 $ 1,239 $ 1,113 $ 7 $ 919 $ 14,160
 
Charge-offs (100 ) (406 ) - - (13 ) - (519 )
 
Recoveries 12 327 - 2 1 - 342
 
Provision 4,128 2,554 1,407 (103 ) 9 (445 ) 7,550
 
Balance at September 30,
2015 $ 7,123 $ 10,274 $ 2,646 $ 1,012 $ 4 $ 474 $ 21,533
Schedule of Debtor Troubled Debt Restructuring, Current Period [Table Text Block]

The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ended September 30, 2016 (dollars in thousands):

Pre-Modification Post-Modification
Outstanding Outstanding
Number of Recorded Recorded
      Loans       Investment       Investment
Troubled debt restructurings:
       Commercial 16 $        19,311 $        19,311
       Commercial real estate 2 581 581
       Commercial construction - - -
       Residential real estate - - -
       Consumer - - -
 
              Total 18 $ 19,892 $ 19,892

The following table presents loans by class modified as troubled debt restructurings that occurred during the nine months ended September 30, 2015 (dollars in thousands):

Pre-Modification Post-Modification
Outstanding Outstanding
Number of Recorded Recorded
       Loans       Investment       Investment
Troubled debt restructurings:
       Commercial 47 $        75,363 $        75,363
       Commercial real estate - - -
       Commercial construction - - -
       Residential real estate - - -
       Consumer - - -
 
              Total 47 $ 75,363 $ 75,363
XML 41 R29.htm IDEA: XBRL DOCUMENT v3.5.0.2
Fair Value Measurements and Fair Value of Financial Instruments (Tables)
 9 Months Ended
Sep. 30, 2016
Fair Value Disclosures [Abstract]  
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]
For financial assets and liabilities measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at September 30, 2016 and December 31, 2015 are as follows:
September 30, 2016
Fair Value Measurements at Reporting Date Using
Quoted Prices
in Active Significant
Markets for Other Significant
Identical Observable Unobservable
Assets Inputs Inputs
            (Level 1)       (Level 2)       (Level 3)
(in thousands)
Recurring fair value measurements:
Assets  
Investment securities:
       available-for-sale:
              Federal agency obligations $        56,099 $        - $        56,099 $        -
              Residential mortgage pass-
                     through securities 63,404 - 63,404 -
              Commercial mortgage pass-
                     through securities 4,369 - 4,369 -
              Obligations of U.S. states and
                     political subdivision 141,361 - 123,026 18,335
              Trust preferred securities 5,675 - 5,675 -
              Corporate bonds and notes 38,293 - 38,293 -
              Asset-backed securities 15,502 - 15,502 -
              Certificates of deposit 988 - 988 -
              Equity securities 425 425 - -
              Other securities 12,343 12,343 - -
       Total available-for-sale $ 338,459 $ 12,768 $ 307,356 $ 18,335
Loans held-for-sale 15,112 - 15,112 -
       Total assets $ 353,571 $ 12,768 $ 322,468 $ 18,335
Liabilities
Derivatives $ 1,212 $ - $ 1,212 $ -
 
Total liabilities $ 1,212 $ - $ 1,212 $ -

There were no transfers between Level 1, Level 2 and Level 3 during the three months ended September 30, 2016.

December 31, 2015
Fair Value Measurements at Reporting Date Using
Quoted Prices
in Active Significant
Markets for Other Significant
Identical Observable Unobservable
Assets Inputs Inputs
      (Level 1)       (Level 2)       (Level 3)
(in thousands)
Recurring fair value measurements:
Assets
Investment securities:  
       available-for-sale:
              Federal agency obligations $ 29,146   $ - $ 29,146 $ -
              Residential mortgage pass-
                     through securities 44,910 - 44,910 -
              Commercial mortgage pass-    
                     through securities 2,972 - 2,972 -
              Obligations of U.S. states and
                     political subdivision   8,357 -     8,357 -
              Trust preferred securities 16,255 - 16,255 -
              Corporate bonds and notes 53,976 - 53,976 -
              Asset-backed securities 19,725 - 19,725 -
              Certificates of deposit 1,905 - 1,905   -
              Equity securities 374 374 - -
              Other securities 18,150 18,150 - -
       Total available-for-sale $        195,770 $ 18,524 $ 177,246 $ -
       Liabilities
       Derivatives $ 131 $ - $ 131 $ -
       Total liabilities $ 131 $ - $ 131 $ -
Fair Value Measurements, Nonrecurring [Table Text Block]

For assets measured at fair value on a non-recurring basis, the fair value measurements at September 30, 2016 and December 31, 2015 are as follows:

    Fair Value Measurements at Reporting Date Using
Quoted
Prices
in Active Significant
Markets for Other Significant
Identical Observable Unobservable
September 30, Assets Inputs Inputs
Assets measured at fair value on a nonrecurring basis: 2016 (Level 1) (Level 2) (Level 3)
Impaired loans: (in thousands)
Commercial $ 396 $ - $ - $ 396
 
    Fair Value Measurements at Reporting Date Using
Quoted
Prices
in Active Significant
            Markets for       Other       Significant
Identical Observable Unobservable
December 31, Assets Inputs Inputs
Assets measured at fair value on a nonrecurring basis: 2015 (Level 1) (Level 2) (Level 3)
Impaired loans: (in thousands)
Commercial $ 3,751   $ -   $ -   $ 3,751
Fair Value, by Balance Sheet Grouping [Table Text Block]

The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of September 30, 2016 and December 31, 2015.

Fair Value Measurements
Carrying
Amount		 Fair
Value		 Quoted
Prices in
Active
Markets for
Identical
Assets
(Level 1)		 Significant
Other
Observable
Inputs
(Level 2)		 Significant
Unobservable
Inputs
(Level 3)
(in thousands)
September 30, 2016                        
Financial assets
       Cash and cash equivalents $ 233,794 $ 233,794 $ 233,794 $ - $ -
       Investment securities available-for-sale 338,459 338,459 12,768 307,356 18,335
       Restricted investment in bank stocks 24,535 n/a n/a n/a n/a
       Net loans 3,407,861 3,421,539 - -       3,421,539
       Loans held-for-sale 15,112 15,112 - 15,112 -
       Accrued interest receivable 12,497 12,497 - 1,895 10,602
 
Financial liabilities
       Noninterest-bearing deposits 655,683 655,683       655,683 - -
       Interest-bearing deposits       2,613,266       2,601,221 -       2,601,221 -
       Borrowings 481,337 486,503 - 486,503 -
       Subordinated debentures, net 54,490 53,784 - 53,784 -
       Derivatives 1,212 1,212 - 1,212 -
       Accrued interest payable $ 4,600 $ 4,600 $ - $ 4,600 $ -
 
December 31, 2015
Financial assets
       Cash and cash equivalents $ 200,895 $ 200,895 $ 200,895 $ - $ -
       Investment securities available-for-sale 195,770 195,770 18,524 177,246 -
       Investment securities held-to-maturity 224,056 230,558 29,226 182,774 18,558
       Restricted investment in bank stocks 32,612 n/a n/a n/a n/a
       Net loans 3,072,435 3,059,343 - - 3,059,343
       Accrued interest receivable 12,545 12,545 68 2,699 9,778
 
Financial liabilities
       Noninterest-bearing deposits 650,775 650,775   650,775 - -
       Interest-bearing deposits 2,140,191 2,137,149 - 2,137,149 -
       Borrowings 671,587   674,131 -   674,131   -
       Subordinated debentures, net   54,343 55,209 -   55,209 -
       Derivatives 131   131   - 131 -
       Accrued interest payable $ 4,387 $ 4,387 $ - $ 4,387 $ -
XML 42 R30.htm IDEA: XBRL DOCUMENT v3.5.0.2
Accumulated Other Comprehensive Income/(Loss) (Tables)
 9 Months Ended
Sep. 30, 2016
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]  
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]

Accumulated other comprehensive loss (net of tax) at September 30, 2016 and December 31, 2015 consisted of the following:

September 30, December 31,
      2016       2015
(in thousands)
Net unrealized gain on investment securities available-for-sale $ 5,332 $ 713
Cash flow hedge (717 ) (77 )
Unamortized component of securities transferred from available-for-sale to held-to-        
       maturity   -     (1,173 )
Defined benefit pension and post-retirement plans            (3,891 )            (4,072 )
       Total accumulated other comprehensive income (loss) $ 724 $ (4,609 )
XML 43 R31.htm IDEA: XBRL DOCUMENT v3.5.0.2
Stock Based Compensation (Tables)
 9 Months Ended
Sep. 30, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]  
Disclosure of Share-based Compensation Arrangements by Share-based Payment Award [Table Text Block]

Option activity under the Company’s option plans as of September 30, 2016 and changes during the nine months ended September 30, 2016 were as follows:

Weighted-
Average
Weighted- Remaining
Average Contractual
Exercise Term Aggregate
Shares       Price       (In Years)       Intrinsic Value
Outstanding at December 31, 2015 535,906 $ 6.48  
Granted -   -  
Exercised (38,735 ) 6.32
Forfeited/cancelled/expired (45,010 )   10.59    
Outstanding at September 30, 2016     452,161   $ 6.09 2.51 $ 5,412,898
Exercisable at September 30, 2016 448,631 $ 6.02 2.47 $ 4,674,682
Schedule of Share Based Compensation Stock Option Plan Table Text Block

Information related to stock option exercises during 2016:

2016
Intrinsic value of options exercised $        398,890
Cash received from options exercised 244,625
Tax benefit realized from options exercised 53,631
Weighted average fair value of options granted n/a
Schedule of Nonvested Restricted Stock Units Activity [Table Text Block]

The below table represents information regarding restricted shares currently outstanding at September 30, 2016:

Weighted-
Average
Nonvested       Grant Date
Shares Fair Value
Nonvested at December 31, 2015 96,902   $ 16.81
Granted 72,920 15.88
Vested (55,648 ) 16.01
Forfeited/cancelled/expired (1,000 )   19.58
Nonvested at September 30, 2016       113,174 $      16.81
Schedule of Unearned Performance Unit Awards [Table Text Block]

A summary of the status of unearned performance unit awards and the change during the period is presented in the table below:

Weighted-
Average
      Grant Date
Units Fair Value
Unearned at December 31, 2015 94,585 $ 19.46
Awarded 59,138 17.01
 
Forfeited (7,447 ) 19.46
Expired -     -
Unearned at September 30, 2016       146,276 $       18.47
XML 44 R32.htm IDEA: XBRL DOCUMENT v3.5.0.2
Components of Net Periodic Pension Cost (Tables)
 9 Months Ended
Sep. 30, 2016
Compensation and Retirement Disclosure [Abstract]  
Schedule of Net Benefit Costs [Table Text Block]

The following table sets forth the net periodic pension cost of the Company’s pension plan for the periods indicated.

Three Months Ended Nine Months Ended
September 30, September 30,
2016       2015       2016       2015
(in thousands)
Interest cost $ 129 $ 127   $ 386     $ 394
Expected return on plan assets   (166 )     (123 )   (457 )   (387 )
Net amortization 101 108   305 324
Recognized settlement loss - 64 - 629
       Net periodic pension cost $ 64 $ 176 $ 234 $ 960
 
       Amortization of actuarial loss $ (204 ) $ (183 ) $ (305 ) $ (1,186 )
 
       Total recognized in other comprehensive income $          (204 ) $          (183 ) $          (305 ) $          (1,186 )
 
Total recognized in net expense and OCI (before tax) $ (140 ) $ (7 ) $ (71 ) $ (226 )
XML 45 R33.htm IDEA: XBRL DOCUMENT v3.5.0.2
FHLB and other borrowings (Tables)
 9 Months Ended
Sep. 30, 2016
Debt Disclosure [Abstract]  
Schedule of Long-term Debt Instruments [Table Text Block]

The Company’s FHLB and other borrowings and weighted average interest rates are summarized below:

September 30, 2016 December 31, 2015
Amount       Rate       Amount       Rate
(in thousands)
By type of borrowing:
       FHLB borrowings and other borrowings $ 466,337 1.52 % $ 656,587 1.26 %
       Repurchase agreements (“REPOs”) 15,000 5.95 15,000 5.95
Total borrowings $ 481,337 1.66 $ 671,587 1.37
 
By remaining period to maturity:
       One year or less $       251,337       1.27 % $       270,587       0.64 %
       One to two years   60,000 1.96   171,000 1.56
       Two to three years 105,000 1.69   130,000 1.84
       Three to four years 25,000 1.85 35,000 1.60
       Four to five years 40,000 3.43 65,000   2.82
Total borrowings $ 481,337   1.66 $ 671,587 1.37
XML 46 R34.htm IDEA: XBRL DOCUMENT v3.5.0.2
Securities Sold under Agreements to Repurchase (Tables)
 9 Months Ended
Sep. 30, 2016
Securities Sold Under Agreements To Repurchase Tables  
Schedule of information concerning repurchase agreements [Table Text Block]

Repurchase agreements are secured borrowings. The Company pledges investment securities to secure those borrowings. Information concerning repurchase agreements is summarized as follows for the periods presented:

September 30, December 31, September 30,
(dollars in thousands)       2016       2015       2015
Average daily balance during the year-to-date $         15,000 $       22,890 $         25,549
Average interest rate during the year-to-date   5.95 %     5.92 %     5.90 %
Maximum month-end balance during the year-to-date $ 15,000   $ 31,000 $ 31,000
Weighted average interest rate during the year-to-date 5.95 % 5.92 % 5.90 %
Schedule of remaining contractual maturity [Table Text Block]

The table below shows the remaining contractual maturity of agreement by fair value of collateral pledged:

September 30, 2016
Remaining Contractual Maturity of the Agreements
Overnight and Up to 30 Greater Than
(dollars in thousands) Continuous       Days       30-90 Days       90 Days       Total
Repurchase agreements and
repurchase-to-maturity transactions
       U.S. Treasury and agency securities $ - $ - $ - $ - $ -
       Residential mortgage pass-through securities - - - 17,082 17,082
Total Borrowings $ - $ - $ - $       17,082 $       17,082
 
Amounts related to agreements not included in offsetting disclosure in Note 14: $ 2,082
 
December 31, 2015
Remaining Contractual Maturity of the Agreements
Overnight and Up to 30 Greater Than
(dollars in thousands) Continuous Days 30-90 Days 90 Days Total
Repurchase agreements and  
repurchase-to-maturity transactions    
       U.S. Treasury and agency securities $ -   $ - $ -   $ 6,313 $ 6,313
       Residential mortgage pass-through securities -   -     -   12,589   12,589
Total Borrowings $ - $ - $ - $ 18,902 $ 18,902
 
Amounts related to agreements not included in offsetting disclosure in Note 14 $ 3,902
XML 47 R35.htm IDEA: XBRL DOCUMENT v3.5.0.2
Subordinated Debentures (Tables)
 9 Months Ended
Sep. 30, 2016
Subordinated Borrowings [Abstract]  
Schedule of Subordinated Debentures [Table Text Block]

The following table summarizes the mandatory redeemable trust preferred securities of the Company’s Statutory Trust II at September 30, 2016 and December 31, 2015.

      Securities                         Redeemable by
Issuance Date   Issued   Liquidation Value Coupon Rate Maturity Issuer Beginning
12/19/2003   $     5,000,000 $1,000 per Capital   Floating 3-month   01/23/2034   01/23/2009
  Security   LIBOR + 285 Basis        
  Points
XML 48 R36.htm IDEA: XBRL DOCUMENT v3.5.0.2
Offsetting Assets and Liabilities (Tables)
 9 Months Ended
Sep. 30, 2016
Offsetting Assets And Liabilities Tables  
Schedule of financial instruments that are eligible for offset [Table Text Block]

The following table presents information about financial instruments that are eligible for offset as of September 30, 2016 and December 31, 2015:

Gross Amounts Not Offset
Gross Amounts Net Amounts of Cash or
Offset in the Assets Presented in Financial Financial
Gross Amounts Statement of the Statement of Instruments Instrument Net
Recognized       Financial Position       Financial Position       Recognized       Collateral       Amount
(in thousands)
September 30, 2016  
Assets:
       Interest rate swaps $ -   $ - $ - $ - $ - $ -
Liabilities:
       Interest rate swaps $ 1,212 $ - $ 1,212 $ - $ 1,212 $ -
       Repurchase
              agreements 15,000 - 15,000 - 15,000   -
                     Total $ 16,212   $ - $ 16,212 $ - $ 16,212 $ -
December 31, 2015    
Assets:  
       Interest rate swaps $ (179 ) $ - $ -   $ - $ - $ -
Liabilities:    
       Interest rate swaps $ 131 $ - $ 131 $ -   $ 131 $ -
       Repurchase    
              agreements 15,000 - 15,000 - 15,000 -
                     Total $                15,131 $ - $ 15,131 $ - $      15,131 $                -
XML 49 R37.htm IDEA: XBRL DOCUMENT v3.5.0.2
Presentation of Debt Issuance Costs (Tables)
 9 Months Ended
Sep. 30, 2016
Presentation of Debt Issuance Costs [Table Text Block]

The following table summarizes the impact of retrospective application to the consolidated statement of condition for the year ended December 31, 2015:

December 31,
(dollars in thousands) 2015
Other assets
       As previously reported $ 24,908
       As reported under the new guidance 24,096
 
Total assets
       As previously reported $ 4,016,721
       As reported under the new guidance 4,015,909
 
Subordinated debentures
       As previously reported $ 55,155
       As reported under the new guidance 54,343
 
Total liabilities
       As previously reported $        3,539,377
       As reported under the new guidance 3,538,565
XML 50 R38.htm IDEA: XBRL DOCUMENT v3.5.0.2
Earnings per Common Share (Details) - Schedule of earnings per common share - USD ($)
$ / shares in Units, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Earnings Per Share [Abstract]        
Net income $ 11,856 $ 10,842 $ 33,106 $ 31,743
Preferred stock dividends (28) (22) (84)
Net income available to common stockholders $ 11,856 $ 10,814 $ 33,084 $ 31,659
Basic weighted average common shares outstanding 30,125,287 30,045,818 30,100,057 29,786,374
Effect of dilutive options [1] 276,000 290,000 276,000 537,000
Diluted weighted average common shares outstanding [2] 30,401,684 30,335,571 30,376,085 30,323,376
Earnings per common share:        
Basic $ 0.39 $ 0.36 $ 1.10 $ 1.06
Diluted $ 0.39 $ 0.36 $ 1.09 $ 1.04
[1] Represents incremental shares computed using the treasury stock method.
[2] Anti-dilutive shares are not included in determining diluted earnings per share. There were no anti-dilutive shares in the three and nine months ended September 30, 2016.
XML 51 R39.htm IDEA: XBRL DOCUMENT v3.5.0.2
Investment Securities (Details)
$ in Thousands
 9 Months Ended 12 Months Ended
Sep. 30, 2016
USD ($)
Integer
Dec. 31, 2015
USD ($)
Integer
Investments, Debt and Equity Securities [Abstract]    
Increase in amortized cost basis of available-for-sale securities $ 210,000  
Net increase to accumulated other comprehensive income net of tax $ 7,400  
Number of Investment Securities Sold | Integer 36 74
Available-for-sale Securities Pledged as Collateral $ 104,200 $ 142,500
Description of Holding Securities there were no holdings of securities of any one issuer, other than the U.S. Government and its agencies, in an amount greater than 10% of stockholders' equity.  
XML 52 R40.htm IDEA: XBRL DOCUMENT v3.5.0.2
Investment Securities (Details) - Unrealized gains on investment securities - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Investment securities available-for-sale    
Investment Securities Available-for-Sale, Amortized Cost $ 329,924 $ 194,619
Investment Securities Available-for-Sale, Gross Unrealized Gains 9,497 2,271
Investment Securities Available-for-Sale, Gross Unrealized Losses (962) (1,120)
Investment Securities Available-for-Sale, Fair Value 338,459 195,770
Investment securities held-to-maturity    
Investment Securities Held-to-Maturity, Amortized Cost   224,056
Investment Securities Held-to-Maturity, Gross Unrealized Gains   6,793
Investment Securities Held-to-Maturity, Gross Unrealized Losses   (291)
Investment Securities Held-to-Maturity, Fair Value   230,558
Total, Amortized Cost   418,675
Total, Gross Unrealized Gains   9,064
Total, Gross Unrealized Losses   (1,411)
Total, Fair Value   426,328
Federal Agency Obligations [Member]    
Investment securities available-for-sale    
Investment Securities Available-for-Sale, Amortized Cost 55,024 29,062
Investment Securities Available-for-Sale, Gross Unrealized Gains 1,084 142
Investment Securities Available-for-Sale, Gross Unrealized Losses (9) (58)
Investment Securities Available-for-Sale, Fair Value 56,099 29,146
Investment securities held-to-maturity    
Investment Securities Held-to-Maturity, Amortized Cost   33,616
Investment Securities Held-to-Maturity, Gross Unrealized Gains   280
Investment Securities Held-to-Maturity, Gross Unrealized Losses   (119)
Investment Securities Held-to-Maturity, Fair Value   33,777
Residential mortgage pass-through securities [Member]    
Investment securities available-for-sale    
Investment Securities Available-for-Sale, Amortized Cost 62,124 44,155
Investment Securities Available-for-Sale, Gross Unrealized Gains 1,292 803
Investment Securities Available-for-Sale, Gross Unrealized Losses (12) (48)
Investment Securities Available-for-Sale, Fair Value 63,404 44,910
Investment securities held-to-maturity    
Investment Securities Held-to-Maturity, Amortized Cost   3,805
Investment Securities Held-to-Maturity, Gross Unrealized Gains   11
Investment Securities Held-to-Maturity, Gross Unrealized Losses   (6)
Investment Securities Held-to-Maturity, Fair Value   3,810
Commercial Mortgage Backed Securities [Member]    
Investment securities available-for-sale    
Investment Securities Available-for-Sale, Amortized Cost 4,218 2,981
Investment Securities Available-for-Sale, Gross Unrealized Gains 151
Investment Securities Available-for-Sale, Gross Unrealized Losses (9)
Investment Securities Available-for-Sale, Fair Value 4,369 2,972
Investment securities held-to-maturity    
Investment Securities Held-to-Maturity, Amortized Cost   4,110
Investment Securities Held-to-Maturity, Gross Unrealized Gains   27
Investment Securities Held-to-Maturity, Gross Unrealized Losses   (2)
Investment Securities Held-to-Maturity, Fair Value   4,135
US States and Political Subdivisions Debt Securities [Member]    
Investment securities available-for-sale    
Investment Securities Available-for-Sale, Amortized Cost 135,781 8,188
Investment Securities Available-for-Sale, Gross Unrealized Gains 5,582 169
Investment Securities Available-for-Sale, Gross Unrealized Losses (2)
Investment Securities Available-for-Sale, Fair Value 141,361 8,357
Investment securities held-to-maturity    
Investment Securities Held-to-Maturity, Amortized Cost   118,015
Investment Securities Held-to-Maturity, Gross Unrealized Gains   5,001
Investment Securities Held-to-Maturity, Gross Unrealized Losses   (3)
Investment Securities Held-to-Maturity, Fair Value   123,013
Trust Preferred Securities [Member]    
Investment securities available-for-sale    
Investment Securities Available-for-Sale, Amortized Cost 5,574 16,088
Investment Securities Available-for-Sale, Gross Unrealized Gains 310 398
Investment Securities Available-for-Sale, Gross Unrealized Losses (209) (231)
Investment Securities Available-for-Sale, Fair Value 5,675 16,255
Corporate Bonds And Notes [Member]    
Investment securities available-for-sale    
Investment Securities Available-for-Sale, Amortized Cost 37,725 53,566
Investment Securities Available-for-Sale, Gross Unrealized Gains 916 702
Investment Securities Available-for-Sale, Gross Unrealized Losses (348) (292)
Investment Securities Available-for-Sale, Fair Value 38,293 53,976
Investment securities held-to-maturity    
Investment Securities Held-to-Maturity, Amortized Cost   36,039
Investment Securities Held-to-Maturity, Gross Unrealized Gains   719
Investment Securities Held-to-Maturity, Gross Unrealized Losses   (161)
Investment Securities Held-to-Maturity, Fair Value   36,597
Asset-backed Securities [Member]    
Investment securities available-for-sale    
Investment Securities Available-for-Sale, Amortized Cost 15,797 20,005
Investment Securities Available-for-Sale, Gross Unrealized Gains 1 18
Investment Securities Available-for-Sale, Gross Unrealized Losses (296) (298)
Investment Securities Available-for-Sale, Fair Value 15,502 19,725
Certificates of Deposit [Member]    
Investment securities available-for-sale    
Investment Securities Available-for-Sale, Amortized Cost 973 1,895
Investment Securities Available-for-Sale, Gross Unrealized Gains 15 18
Investment Securities Available-for-Sale, Gross Unrealized Losses (8)
Investment Securities Available-for-Sale, Fair Value 988 1,905
Equity Securities [Member]    
Investment securities available-for-sale    
Investment Securities Available-for-Sale, Amortized Cost 376 376
Investment Securities Available-for-Sale, Gross Unrealized Gains 52 21
Investment Securities Available-for-Sale, Gross Unrealized Losses (3) (23)
Investment Securities Available-for-Sale, Fair Value 425 374
Other Securities [Member]    
Investment securities available-for-sale    
Investment Securities Available-for-Sale, Amortized Cost 12,332 18,303
Investment Securities Available-for-Sale, Gross Unrealized Gains 94
Investment Securities Available-for-Sale, Gross Unrealized Losses (83) (153)
Investment Securities Available-for-Sale, Fair Value $ 12,343 18,150
U.S. Treasury and agency securities [Member]    
Investment securities held-to-maturity    
Investment Securities Held-to-Maturity, Amortized Cost   28,471
Investment Securities Held-to-Maturity, Gross Unrealized Gains   755
Investment Securities Held-to-Maturity, Gross Unrealized Losses  
Investment Securities Held-to-Maturity, Fair Value   $ 29,226
XML 53 R41.htm IDEA: XBRL DOCUMENT v3.5.0.2
Investment Securities (Details) - Investments classified by maturity date - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Investment securities available-for-sale:    
Due in one year or less $ 3,886  
Due in one year or less 3,906  
Due after one year through five years 26,238  
Due after one year through five years 26,914  
Due after five years through ten years 55,486  
Due after five years through ten years 57,204  
Due after ten years 165,264  
Due after ten years 169,894  
Total 329,924 $ 194,619
Total 338,459  
Residential mortgage pass-through securities [Member]    
Investment securities available-for-sale:    
Investment Securities Available-for-Sale: Fair Value 63,404  
Total 62,124 44,155
Commercial Mortgage Backed Securities [Member]    
Investment securities available-for-sale:    
Investment Securities Available-for-Sale: Fair Value 4,369  
Total 4,218 2,981
Equity Securities [Member]    
Investment securities available-for-sale:    
Investment Securities Available-for-Sale: Fair Value 425  
Total 376 376
Other Securities [Member]    
Investment securities available-for-sale:    
Investment Securities Available-for-Sale: Fair Value 12,343  
Total $ 12,332 $ 18,303
XML 54 R42.htm IDEA: XBRL DOCUMENT v3.5.0.2
Investment Securities (Details) - Schedule of realized gains and losses - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Schedule of realized gains and losses [Abstract]        
Proceeds $ 78,680 $ 32,125 $ 85,253 $ 44,397
Gross gains on sales of investment securities 4,131 2,067 4,234 2,793
Gross losses on sales of investment securities
Net gains on sales of investment securities 4,131 2,067 4,234 2,793
Less: tax provision on net gains 1,640 794 1,682 1,091
Total $ 2,491 $ 1,273 $ 2,552 $ 1,702
XML 55 R43.htm IDEA: XBRL DOCUMENT v3.5.0.2
Investment Securities (Details) - Schedule of unrealized losses not recognized in income - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Investment securities available-for-sale:    
Investment Securities Available-for-Sale: Total, Fair Value $ 41,128 $ 62,566
Investment Securities Available-for-Sale: Total, Unrealized Losses (962) (1,120)
Investment Securities Available-for-Sale: Less than 12 Months, Fair Value 14,169 48,178
Investment Securities Available-for-Sale: Less than 12 Months, Unrealized Losses (271) (468)
Investment Securities Available-for-Sale: 12 Months or Longer, Fair Value 26,959 14,388
Investment Securities Available-for-Sale: 12 Months or Longer, Unrealized Losses (691) (652)
Investment securities held-to-maturity:    
Investment Securities Held-to-Maturity: Total, Fair Value   22,882
Investment Securities Held-to-Maturity: Total, Unrealized Losses   (291)
Investment Securities Held-to-Maturity: Less than 12 Months, Fair Value   22,111
Investment Securities Held-to-Maturity: Less than 12 Months, Unrealized Losses   (281)
Investment Securities Held-to-Maturity: 12 Months or Longer, Fair Value   771
Investment Securities Held-to-Maturity: 12 Months or Longer, Unrealized Losses   (10)
Fair Value, Total   85,448
Unrealized Losses, Total   (1,411)
Fair Value, Less than 12 Months   70,289
Unrealized Losses, Less than 12 Months   (749)
Fair Value, 12 Months or Longer   15,159
Unrealized Losses, 12 Months or Longer   (662)
Federal Agency Obligations [Member]    
Investment securities available-for-sale:    
Investment Securities Available-for-Sale: Total, Fair Value 2,685 12,260
Investment Securities Available-for-Sale: Total, Unrealized Losses (9) (58)
Investment Securities Available-for-Sale: Less than 12 Months, Fair Value 1,366 12,013
Investment Securities Available-for-Sale: Less than 12 Months, Unrealized Losses (3) (54)
Investment Securities Available-for-Sale: 12 Months or Longer, Fair Value 1,319 247
Investment Securities Available-for-Sale: 12 Months or Longer, Unrealized Losses (6) (4)
Investment securities held-to-maturity:    
Investment Securities Held-to-Maturity: Total, Fair Value   12,554
Investment Securities Held-to-Maturity: Total, Unrealized Losses   (119)
Investment Securities Held-to-Maturity: Less than 12 Months, Fair Value   11,783
Investment Securities Held-to-Maturity: Less than 12 Months, Unrealized Losses   (109)
Investment Securities Held-to-Maturity: 12 Months or Longer, Fair Value   771
Investment Securities Held-to-Maturity: 12 Months or Longer, Unrealized Losses   (10)
Residential mortgage pass-through securities [Member]    
Investment securities available-for-sale:    
Investment Securities Available-for-Sale: Total, Fair Value 2,978 9,027
Investment Securities Available-for-Sale: Total, Unrealized Losses (12) (48)
Investment Securities Available-for-Sale: Less than 12 Months, Fair Value 2,596 9,027
Investment Securities Available-for-Sale: Less than 12 Months, Unrealized Losses (9) (48)
Investment Securities Available-for-Sale: 12 Months or Longer, Fair Value 382
Investment Securities Available-for-Sale: 12 Months or Longer, Unrealized Losses (3)
Investment securities held-to-maturity:    
Investment Securities Held-to-Maturity: Total, Fair Value   2,480
Investment Securities Held-to-Maturity: Total, Unrealized Losses   (6)
Investment Securities Held-to-Maturity: Less than 12 Months, Fair Value   2,480
Investment Securities Held-to-Maturity: Less than 12 Months, Unrealized Losses   (6)
Investment Securities Held-to-Maturity: 12 Months or Longer, Fair Value  
Investment Securities Held-to-Maturity: 12 Months or Longer, Unrealized Losses  
Obligation Of Us States And Political Subdivisions [Member]    
Investment securities available-for-sale:    
Investment Securities Available-for-Sale: Total, Fair Value 575  
Investment Securities Available-for-Sale: Total, Unrealized Losses (2)  
Investment Securities Available-for-Sale: Less than 12 Months, Fair Value 575  
Investment Securities Available-for-Sale: Less than 12 Months, Unrealized Losses (2)  
Investment securities held-to-maturity:    
Investment Securities Held-to-Maturity: Total, Fair Value   981
Investment Securities Held-to-Maturity: Total, Unrealized Losses   (3)
Investment Securities Held-to-Maturity: Less than 12 Months, Fair Value   981
Investment Securities Held-to-Maturity: Less than 12 Months, Unrealized Losses   (3)
Investment Securities Held-to-Maturity: 12 Months or Longer, Fair Value  
Investment Securities Held-to-Maturity: 12 Months or Longer, Unrealized Losses  
Trust Preferred Securities [Member]    
Investment securities available-for-sale:    
Investment Securities Available-for-Sale: Total, Fair Value 1,369 1,345
Investment Securities Available-for-Sale: Total, Unrealized Losses (209) (231)
Investment Securities Available-for-Sale: Less than 12 Months, Fair Value
Investment Securities Available-for-Sale: Less than 12 Months, Unrealized Losses
Investment Securities Available-for-Sale: 12 Months or Longer, Fair Value 1,369 1,345
Investment Securities Available-for-Sale: 12 Months or Longer, Unrealized Losses (209) (231)
Corporate Bonds And Notes [Member]    
Investment securities available-for-sale:    
Investment Securities Available-for-Sale: Total, Fair Value 13,945 16,533
Investment Securities Available-for-Sale: Total, Unrealized Losses (348) (292)
Investment Securities Available-for-Sale: Less than 12 Months, Fair Value 5,741 12,702
Investment Securities Available-for-Sale: Less than 12 Months, Unrealized Losses (185) (161)
Investment Securities Available-for-Sale: 12 Months or Longer, Fair Value 8,204 3,831
Investment Securities Available-for-Sale: 12 Months or Longer, Unrealized Losses (163) (131)
Investment securities held-to-maturity:    
Investment Securities Held-to-Maturity: Total, Fair Value   5,536
Investment Securities Held-to-Maturity: Total, Unrealized Losses   (161)
Investment Securities Held-to-Maturity: Less than 12 Months, Fair Value   5,536
Investment Securities Held-to-Maturity: Less than 12 Months, Unrealized Losses   (161)
Investment Securities Held-to-Maturity: 12 Months or Longer, Fair Value  
Investment Securities Held-to-Maturity: 12 Months or Longer, Unrealized Losses  
Asset-backed Securities [Member]    
Investment securities available-for-sale:    
Investment Securities Available-for-Sale: Total, Fair Value 14,025 14,745
Investment Securities Available-for-Sale: Total, Unrealized Losses (296) (298)
Investment Securities Available-for-Sale: Less than 12 Months, Fair Value 3,891 11,250
Investment Securities Available-for-Sale: Less than 12 Months, Unrealized Losses (72) (188)
Investment Securities Available-for-Sale: 12 Months or Longer, Fair Value 10,134 3,495
Investment Securities Available-for-Sale: 12 Months or Longer, Unrealized Losses (224) (110)
Equity Securities [Member]    
Investment securities available-for-sale:    
Investment Securities Available-for-Sale: Total, Fair Value 134 123
Investment Securities Available-for-Sale: Total, Unrealized Losses (3) (23)
Investment Securities Available-for-Sale: Less than 12 Months, Fair Value
Investment Securities Available-for-Sale: Less than 12 Months, Unrealized Losses
Investment Securities Available-for-Sale: 12 Months or Longer, Fair Value 134 123
Investment Securities Available-for-Sale: 12 Months or Longer, Unrealized Losses (3) (23)
Other Securities [Member]    
Investment securities available-for-sale:    
Investment Securities Available-for-Sale: Total, Fair Value 5,417 5,347
Investment Securities Available-for-Sale: Total, Unrealized Losses (83) (153)
Investment Securities Available-for-Sale: Less than 12 Months, Fair Value
Investment Securities Available-for-Sale: Less than 12 Months, Unrealized Losses
Investment Securities Available-for-Sale: 12 Months or Longer, Fair Value 5,417 5,347
Investment Securities Available-for-Sale: 12 Months or Longer, Unrealized Losses $ (83) (153)
Commercial Mortgage Backed Securities [Member]    
Investment securities available-for-sale:    
Investment Securities Available-for-Sale: Total, Fair Value   2,971
Investment Securities Available-for-Sale: Total, Unrealized Losses   (9)
Investment Securities Available-for-Sale: Less than 12 Months, Fair Value   2,971
Investment Securities Available-for-Sale: Less than 12 Months, Unrealized Losses   (9)
Investment Securities Available-for-Sale: 12 Months or Longer, Fair Value  
Investment Securities Available-for-Sale: 12 Months or Longer, Unrealized Losses  
Investment securities held-to-maturity:    
Investment Securities Held-to-Maturity: Total, Fair Value   1,331
Investment Securities Held-to-Maturity: Total, Unrealized Losses   (2)
Investment Securities Held-to-Maturity: Less than 12 Months, Fair Value   1,331
Investment Securities Held-to-Maturity: Less than 12 Months, Unrealized Losses   (2)
Investment Securities Held-to-Maturity: 12 Months or Longer, Fair Value  
Investment Securities Held-to-Maturity: 12 Months or Longer, Unrealized Losses  
Certificates of Deposit [Member]    
Investment securities available-for-sale:    
Investment Securities Available-for-Sale: Total, Fair Value   215
Investment Securities Available-for-Sale: Total, Unrealized Losses   (8)
Investment Securities Available-for-Sale: Less than 12 Months, Fair Value   215
Investment Securities Available-for-Sale: Less than 12 Months, Unrealized Losses   (8)
Investment Securities Available-for-Sale: 12 Months or Longer, Fair Value  
Investment Securities Available-for-Sale: 12 Months or Longer, Unrealized Losses  
XML 56 R44.htm IDEA: XBRL DOCUMENT v3.5.0.2
Derivatives (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Aug. 24, 2015
Dec. 30, 2014
Oct. 15, 2014
Derivative Instruments and Hedging Activities Disclosure [Abstract]              
Notional Amount of Interest Rate Cash Flow Hedge Derivatives         $ 25,000 $ 25,000 $ 25,000
Interest expense on derivatives $ 167 $ 165 $ 534 $ 331      
XML 57 R45.htm IDEA: XBRL DOCUMENT v3.5.0.2
Derivatives (Details) - Summary of interest rate swap designated as a cash flow hedges - USD ($)
$ in Thousands
 9 Months Ended 12 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Dec. 31, 2015
Summary of interest rate swap designated as a cash flow hedges [Abstract]      
Notional amount $ 75,000 $ 75,000 $ 75,000
Weighted average pay rates 1.58% 1.56% 1.56%
Weighted average receive rates 0.70% 0.30% 0.44%
Weighted average maturity 3 years 1 month 6 days 4 years 1 month 6 days 3 years 9 months 18 days
Fair value $ (1,212) $ (1,105) $ (131)
XML 58 R46.htm IDEA: XBRL DOCUMENT v3.5.0.2
Derivatives (Details) - Summary of net gains (losses) recorded in accumulated other comprehensive income - Interest Rate Contract [Member] - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Derivatives (Details) - Summary of net gains (losses) recorded in accumulated other comprehensive income and statements of income relating to cash flow derivative instruments [Line Items]    
Amount of loss recognized in OCI (Effective Portion) $ (640) $ (1,153)
Amount of loss reclassified from OCI to interest income
Amount of loss recognized in other Non-interest income (Ineffective Portion)
XML 59 R47.htm IDEA: XBRL DOCUMENT v3.5.0.2
Derivatives (Details) - Summary of cash flow hedges included in the consolidated balance sheets - Interest Rate Swap [Member] - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Included in other asset/(liabilities):    
Interest rate swaps related to FHLB Advances included in Assets, Notional Amount $ 75,000 $ 75,000
Interest rate swaps related to FHLB Advances included in Assets, Fair Value $ (1,212) $ (131)
XML 60 R48.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and the Allowance for Loan and Lease Losses (Details) - Narrative - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2016
Sep. 30, 2016
Sep. 30, 2015
Dec. 31, 2015
LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Details) [Line Items]        
Non Accrual Contractual Due   90 days    
Loans Pledged as Collateral $ 1,600,000 $ 1,600,000   $ 1,600,000
Loans performing under the restructured terms   106,700   85,900
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans   1,400   700
Troubled debt restructurings   105,300   86,600
Allowance for Loan and Lease Losses Period Increase Decrease Due to Trouble Debt Restructuring 5,000 8,300 $ 2,000  
Specific allocations associated with taxi medallion, fair value 12,500 12,500   4,500
Modified specific allocations associated with taxi medallion, fair value   8,300    
Troubled debt restructurings medallions   17,300    
Valuation per Medallion Amount 700 700    
Increase in allowance for loan and lease losses   8    
Loans held-for-sale 15,112 15,112  
Proceeds from sold a lease financing receivable   2,600    
Recorded investment of the lease financing receivable   3,700    
Specific allowance for the net investment in direct lease financing   $ 1,300    
Number of loans   All 14 loans were accruing prior to modification, while 13 remained in accrual status post-modification.    
Mortgage loans [Member]        
LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Details) [Line Items]        
Loans held-for-sale 1,600 $ 1,600    
Commercial and commercial real estate loans [Member]        
LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Details) [Line Items]        
Loans held-for-sale $ 13,500 $ 13,500    
Secured by Taxi Medallions [Member]        
LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Details) [Line Items]        
Debt Instrument, Interest Rate, Stated Percentage Rate Range 3.75% 3.75%    
Secured by Taxi Medallions [Member] | Minimum [Member]        
LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Details) [Line Items]        
Debt Instrument, Interest Rate, Stated Percentage Rate Range     3.00%  
Modifications principal amortization period     25 years  
Secured by Taxi Medallions [Member] | Maximum [Member]        
LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Details) [Line Items]        
Debt Instrument, Interest Rate, Stated Percentage Rate Range     3.25%  
Modifications principal amortization period     30 years  
XML 61 R49.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and the Allowance for Loan and Lease Losses (Details) - Composition of loan portfolio - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Gross loans $ 3,448,623 $ 3,101,794
Net deferred loan fees (3,147) (2,787)
Total loans receivable 3,445,476 3,099,007
Commercial Portfolio Segment [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Gross loans 644,430 570,116
Commercial Real Estate Portfolio Segment [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Gross loans 2,100,804 1,966,696
Construction Loans [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Gross loans 471,109 328,838
Residential Portfolio Segment [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Gross loans 229,401 233,690
Consumer Portfolio Segment [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Gross loans $ 2,879 $ 2,454
XML 62 R50.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and the Allowance for Loan and Lease Losses (Details) - Purchase credit impaired loans - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Loans and the Allowance for Loan and Lease Losses (Details) - Purchase credit impaired loans [Line Items]    
Total carrying amount $ 8,029 $ 9,181
Commercial Portfolio Segment [Member]    
Loans and the Allowance for Loan and Lease Losses (Details) - Purchase credit impaired loans [Line Items]    
Total carrying amount 7,027 7,078
Commercial Real Estate Portfolio Segment [Member]    
Loans and the Allowance for Loan and Lease Losses (Details) - Purchase credit impaired loans [Line Items]    
Total carrying amount 1,002 1,775
Residential Portfolio Segment [Member]    
Loans and the Allowance for Loan and Lease Losses (Details) - Purchase credit impaired loans [Line Items]    
Total carrying amount $ 328
XML 63 R51.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and the Allowance for Loan and Lease Losses (Details) - Schedule of accretable yield, or income expected to be collected - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Schedule of accretable yield, or income expected to be collected [Abstract]        
Beginning balance $ 3,233 $ 4,013 $ 3,599 $ 4,467
New loans purchased
Accretion of income (185) (207) (551) (661)
Reclassification from nonaccretable differences
Disposals
Ending balance $ 3,048 $ 3,806 $ 3,048 $ 3,806
XML 64 R52.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and the Allowance for Loan and Lease Losses (Details) - Loans receivable on nonaccrual status - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Loans and the Allowance for Loan and Lease Losses (Details) - Loans receivable on nonaccrual status [Line Items]    
Financing Receivable, Recorded Investment, Nonaccrual Status $ 11,493 $ 20,736
Commercial Portfolio Segment [Member]    
Loans and the Allowance for Loan and Lease Losses (Details) - Loans receivable on nonaccrual status [Line Items]    
Financing Receivable, Recorded Investment, Nonaccrual Status 5,982 6,586
Commercial Real Estate Portfolio Segment [Member]    
Loans and the Allowance for Loan and Lease Losses (Details) - Loans receivable on nonaccrual status [Line Items]    
Financing Receivable, Recorded Investment, Nonaccrual Status 2,489 9,112
Construction Loans [Member]    
Loans and the Allowance for Loan and Lease Losses (Details) - Loans receivable on nonaccrual status [Line Items]    
Financing Receivable, Recorded Investment, Nonaccrual Status 1,479
Residential Portfolio Segment [Member]    
Loans and the Allowance for Loan and Lease Losses (Details) - Loans receivable on nonaccrual status [Line Items]    
Financing Receivable, Recorded Investment, Nonaccrual Status $ 3,022 $ 3,559
XML 65 R53.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and the Allowance for Loan and Lease Losses (Details) - Credit quality indicators - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount $ 3,448,623 $ 3,101,794
Commercial Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 644,430 570,116
Commercial Real Estate Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 2,100,804 1,966,696
Construction Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 471,109 328,838
Residential Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 229,401 233,690
Consumer Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 2,879 2,454
Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 3,280,144 2,939,890
Pass [Member] | Commercial Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 531,599 462,358
Pass [Member] | Commercial Real Estate Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 2,049,986 1,919,041
Pass [Member] | Construction Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 469,735 326,697
Pass [Member] | Residential Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 226,012 229,426
Pass [Member] | Consumer Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 2,812 2,368
Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 36,665 31,412
Special Mention [Member] | Commercial Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 2,787 11,760
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 32,504 18,990
Special Mention [Member] | Construction Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 1,374 662
Special Mention [Member] | Residential Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount
Special Mention [Member] | Consumer Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount
Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 131,814 130,253
Substandard [Member] | Commercial Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 110,044 95,998
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 18,314 28,426
Substandard [Member] | Construction Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 1,479
Substandard [Member] | Residential Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 3,389 4,264
Substandard [Member] | Consumer Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 67 86
Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 239
Doubtful [Member] | Commercial Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount
Doubtful [Member] | Commercial Real Estate Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount 239
Doubtful [Member] | Construction Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount
Doubtful [Member] | Residential Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount
Doubtful [Member] | Consumer Portfolio Segment [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans and Leases Receivable, Gross, Carrying Amount
XML 66 R54.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and the Allowance for Loan and Lease Losses (Details) - Schedule of analysis of impaired loans, by class - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Dec. 31, 2015
Financing Receivable, Impaired [Line Items]          
No related allowance recorded, Recorded Investment $ 20,714   $ 20,714   $ 22,317
No related allowance recorded, Unpaid Principal Balance 21,471   21,471   23,713
No Related Allowance Average Recorded Investment 20,398 $ 10,381 16,784 $ 10,444  
No Related Allowance Interest Income Recognized 158 23 276 62  
With an allowance recorded, Recorded Investment 96,117   96,117   6,000
With an allowance recorded, Unpaid Principal Balance 96,117   96,117    
With an allowance recorded, Related Allowance 13,036   13,036    
With An Allowance Recorded Average Recorded Investment 915,476 79,732 102,577 45,747  
With An Allowance Recorded Interest Income Recognized 925 722 2,447 1,206  
Total, Recorded Investment 116,831   116,831   107,104
Total, Unpaid Principal Balance 117,588   117,588   108,162
Total, Related Allowance 13,036   13,036   6,725
Total Impaired Average Recorded Investment 111,944 90,113 102,557 56,191  
Total Impaired Interest Income Recognized 1,083 745 2,753 1,268  
Commercial Portfolio Segment [Member]          
Financing Receivable, Impaired [Line Items]          
No related allowance recorded, Recorded Investment 6,718   6,718   610
No related allowance recorded, Unpaid Principal Balance 7,025   7,025   645
No Related Allowance Average Recorded Investment 6,704 712 4,317 707  
No Related Allowance Interest Income Recognized 66 86  
With an allowance recorded, Recorded Investment 95,964   95,964   84,787
With an allowance recorded, Unpaid Principal Balance 95,964   95,964   84,449
With an allowance recorded, Related Allowance 12,931   12,931   6,725
With An Allowance Recorded Average Recorded Investment 91,393 79,732 85,620 45,747  
With An Allowance Recorded Interest Income Recognized 925 722 2,447 1,206  
Total, Recorded Investment 102,682   102,682   85,397
Total, Unpaid Principal Balance 103,989   103,989   85,094
Total, Related Allowance 12,931   12,931   6,725
Total Impaired Average Recorded Investment 98,097 80,444 89,937 46,454  
Total Impaired Interest Income Recognized 991 712 2,533 1,206  
Commercial Real Estate Portfolio Segment [Member]          
Financing Receivable, Impaired [Line Items]          
No related allowance recorded, Recorded Investment 9,166   9,166   15,517
No related allowance recorded, Unpaid Principal Balance 9,182   9,182   16,512
No Related Allowance Average Recorded Investment 9,129 4,869 8,167 4,905  
No Related Allowance Interest Income Recognized 65 15 118 46  
With an allowance recorded, Recorded Investment 153   153    
With an allowance recorded, Unpaid Principal Balance 153   153    
With an allowance recorded, Related Allowance 105   105    
With An Allowance Recorded Average Recorded Investment 153 153  
With An Allowance Recorded Interest Income Recognized  
Total, Recorded Investment 9,319   9,319   15,517
Total, Unpaid Principal Balance 9,335   9,335   16,512
Total, Related Allowance 105   105  
Total Impaired Average Recorded Investment 9,282 4,869 8,320 4,905  
Total Impaired Interest Income Recognized 65 15 118 46  
Construction Loans [Member]          
Financing Receivable, Impaired [Line Items]          
No related allowance recorded, Recorded Investment 1,374   1,374   2,149
No related allowance recorded, Unpaid Principal Balance 1,374   1,374   2,141
No Related Allowance Average Recorded Investment 1,224 1,479 979 1,479  
No Related Allowance Interest Income Recognized 21 54  
Total, Recorded Investment 1,374   1,374   2,149
Total, Unpaid Principal Balance 1,374   1,374   2,141
Total, Related Allowance    
Total Impaired Average Recorded Investment 1,224 1,479 979 1,479  
Total Impaired Interest Income Recognized 21 54  
Residential Portfolio Segment [Member]          
Financing Receivable, Impaired [Line Items]          
No related allowance recorded, Recorded Investment 3,389   3,389   3,954
No related allowance recorded, Unpaid Principal Balance 3,823   3,823   4,329
No Related Allowance Average Recorded Investment 3,271 3,221 3,247 3,251  
No Related Allowance Interest Income Recognized 5 7 15 12  
Total, Recorded Investment 3,389   3,389   3,954
Total, Unpaid Principal Balance 3,823   3,823   4,329
Total, Related Allowance    
Total Impaired Average Recorded Investment 3,271 3,221 3,247 3,251  
Total Impaired Interest Income Recognized 5 7 15 12  
Consumer Portfolio Segment [Member]          
Financing Receivable, Impaired [Line Items]          
No related allowance recorded, Recorded Investment 67   67   87
No related allowance recorded, Unpaid Principal Balance 67   67   86
No Related Allowance Average Recorded Investment 70 100 74 102  
No Related Allowance Interest Income Recognized 1 1 3 4  
Total, Recorded Investment 67   67   87
Total, Unpaid Principal Balance 67   67   86
Total, Related Allowance    
Total Impaired Average Recorded Investment 70 100 74 102  
Total Impaired Interest Income Recognized $ 1 $ 1 $ 3 $ 4  
XML 67 R55.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and the Allowance for Loan and Lease Losses (Details) - Aging analysis - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 13,274 $ 33,418
Current 3,435,349 3,068,376
Total Loans Receivable 3,448,623 3,101,794
Loans Receivable 90 Days or Greater Past Due and Still Accruing/Accreting 5,197
30 - 59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 975 8,889
60 - 89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 2,773 4,502
90 Days or Greater Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 9,526 20,027
Commercial Portfolio Segment [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 5,612 17,257
Current 638,818 552,859
Total Loans Receivable 644,430 570,116
Loans Receivable 90 Days or Greater Past Due and Still Accruing/Accreting 4,543
Commercial Portfolio Segment [Member] | 30 - 59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 6,887
Commercial Portfolio Segment [Member] | 60 - 89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 249 3,505
Commercial Portfolio Segment [Member] | 90 Days or Greater Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 5,363 6,865
Commercial Real Estate Portfolio Segment [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 4,446 12,547
Current 2,096,358 1,954,149
Total Loans Receivable 2,100,804 1,966,696
Loans Receivable 90 Days or Greater Past Due and Still Accruing/Accreting 654
Commercial Real Estate Portfolio Segment [Member] | 30 - 59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 461 1,998
Commercial Real Estate Portfolio Segment [Member] | 60 - 89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 1,600 988
Commercial Real Estate Portfolio Segment [Member] | 90 Days or Greater Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 2,385 9,561
Construction Loans [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 1,479
Current 471,109 327,359
Total Loans Receivable 471,109 328,838
Loans Receivable 90 Days or Greater Past Due and Still Accruing/Accreting
Construction Loans [Member] | 30 - 59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Construction Loans [Member] | 60 - 89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
Construction Loans [Member] | 90 Days or Greater Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 1,479
Residential Portfolio Segment [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 3,207 2,122
Current 226,194 231,568
Total Loans Receivable 229,401 233,690
Loans Receivable 90 Days or Greater Past Due and Still Accruing/Accreting
Residential Portfolio Segment [Member] | 30 - 59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 505
Residential Portfolio Segment [Member] | 60 - 89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 924
Residential Portfolio Segment [Member] | 90 Days or Greater Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 1,778 2,122
Consumer Portfolio Segment [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 9 13
Current 2,870 2,441
Total Loans Receivable 2,879 2,454
Loans Receivable 90 Days or Greater Past Due and Still Accruing/Accreting  
Consumer Portfolio Segment [Member] | 30 - 59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 9 4
Consumer Portfolio Segment [Member] | 60 - 89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 9
Consumer Portfolio Segment [Member] | 90 Days or Greater Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due
XML 68 R56.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and the Allowance for Loan and Lease Losses (Details) - Allowance for loan and lease losses - USD ($)
$ in Thousands
Sep. 30, 2016
Jun. 30, 2016
Dec. 31, 2015
Sep. 30, 2015
Jun. 30, 2015
Dec. 31, 2014
Allowance for loan and lease losses            
Allowance for loan and lease losses, individually evaluated for impairment $ 13,036   $ 6,725      
Allowance for loan and lease losses, collectively evaluated for impairment 24,579   19,847      
Allowance for loan and lease losses, acquired portfolio        
Allowance for loan and lease losses, acquired with deteriorated credit quality        
Allowance for loan and lease losses, total 37,615 $ 32,763 26,572 $ 21,533 $ 17,480 $ 14,160
Gross loans            
Loans Receivable, individually evaluated for impairment 116,831   107,104      
Loans Receivable, collectively evaluated for impairment 2,586,869   2,118,631      
Loans Receivable, acquired portfolio 736,894   866,878      
Loans Receivables, acquired with deteriorated credit quality 8,029   9,181      
Loans Receivable, Total 3,448,623   3,101,794      
Commercial Portfolio Segment [Member]            
Allowance for loan and lease losses            
Allowance for loan and lease losses, individually evaluated for impairment 12,931   6,725      
Allowance for loan and lease losses, collectively evaluated for impairment 7,465   4,224      
Allowance for loan and lease losses, acquired portfolio        
Allowance for loan and lease losses, acquired with deteriorated credit quality        
Allowance for loan and lease losses, total 20,396 15,548 10,949 7,123 4,633 3,083
Gross loans            
Loans Receivable, individually evaluated for impairment 102,682   85,397      
Loans Receivable, collectively evaluated for impairment 487,657   395,424      
Loans Receivable, acquired portfolio 47,064   82,217      
Loans Receivables, acquired with deteriorated credit quality 7,027   7,078      
Loans Receivable, Total 644,430   570,116      
Commercial Real Estate Portfolio Segment [Member]            
Allowance for loan and lease losses            
Allowance for loan and lease losses, individually evaluated for impairment 105        
Allowance for loan and lease losses, collectively evaluated for impairment 11,270   10,926      
Allowance for loan and lease losses, acquired portfolio        
Allowance for loan and lease losses, acquired with deteriorated credit quality        
Allowance for loan and lease losses, total 11,375 11,371 10,926 10,274 9,195 7,799
Gross loans            
Loans Receivable, individually evaluated for impairment 9,319   15,517      
Loans Receivable, collectively evaluated for impairment 1,480,859   1,269,140      
Loans Receivable, acquired portfolio 609,624   680,264      
Loans Receivables, acquired with deteriorated credit quality 1,002   1,775      
Loans Receivable, Total 2,100,804   1,966,696      
Construction Loans [Member]            
Allowance for loan and lease losses            
Allowance for loan and lease losses, individually evaluated for impairment        
Allowance for loan and lease losses, collectively evaluated for impairment 4,072   3,253      
Allowance for loan and lease losses, acquired portfolio        
Allowance for loan and lease losses, acquired with deteriorated credit quality        
Allowance for loan and lease losses, total 4,072 4,040 3,253 2,646 1,945 1,239
Gross loans            
Loans Receivable, individually evaluated for impairment 1,374   2,149      
Loans Receivable, collectively evaluated for impairment 462,687   315,785      
Loans Receivable, acquired portfolio 7,048   10,904      
Loans Receivables, acquired with deteriorated credit quality        
Loans Receivable, Total 471,109   328,838      
Residential Portfolio Segment [Member]            
Allowance for loan and lease losses            
Allowance for loan and lease losses, individually evaluated for impairment        
Allowance for loan and lease losses, collectively evaluated for impairment 1,174   976      
Allowance for loan and lease losses, acquired portfolio        
Allowance for loan and lease losses, acquired with deteriorated credit quality        
Allowance for loan and lease losses, total 1,174 1,091 976 1,012 1,161 1,113
Gross loans            
Loans Receivable, individually evaluated for impairment 3,389   3,954      
Loans Receivable, collectively evaluated for impairment 153,488   136,633      
Loans Receivable, acquired portfolio 72,524   92,775      
Loans Receivables, acquired with deteriorated credit quality   328      
Loans Receivable, Total 229,401   233,690      
Consumer Portfolio Segment [Member]            
Allowance for loan and lease losses            
Allowance for loan and lease losses, individually evaluated for impairment        
Allowance for loan and lease losses, collectively evaluated for impairment 4   4      
Allowance for loan and lease losses, acquired portfolio        
Allowance for loan and lease losses, acquired with deteriorated credit quality        
Allowance for loan and lease losses, total 4 4 4 4 7 7
Gross loans            
Loans Receivable, individually evaluated for impairment 67   87      
Loans Receivable, collectively evaluated for impairment 2,178   1,649      
Loans Receivable, acquired portfolio 634   718      
Loans Receivables, acquired with deteriorated credit quality        
Loans Receivable, Total 2,879   2,454      
Unallocated [Member]            
Allowance for loan and lease losses            
Allowance for loan and lease losses, individually evaluated for impairment        
Allowance for loan and lease losses, collectively evaluated for impairment 594   464      
Allowance for loan and lease losses, acquired portfolio        
Allowance for loan and lease losses, acquired with deteriorated credit quality        
Allowance for loan and lease losses, total 594 $ 709 464 $ 474 $ 539 $ 919
Gross loans            
Loans Receivable, individually evaluated for impairment        
Loans Receivable, collectively evaluated for impairment        
Loans Receivable, acquired portfolio          
Loans Receivables, acquired with deteriorated credit quality        
Loans Receivable, Total        
XML 69 R57.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and the Allowance for Loan and Lease Losses (Details) - Schedule of allowance for loan losses - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Financing Receivable, Allowance for Credit Losses [Line Items]        
Balance $ 32,763 $ 17,480 $ 26,572 $ 14,160
Charged-offs (1,910) (124) (2,500) (519)
Recoveries 12 2 43 342
Provision 6,750 4,175 13,500 7,550
Balance 37,615 21,533 37,615 21,533
Commercial Portfolio Segment [Member]        
Financing Receivable, Allowance for Credit Losses [Line Items]        
Balance 15,548 4,633 10,949 3,083
Charged-offs (1,878) (2,396) (100)
Recoveries 1 2 2 12
Provision 6,725 2,488 11,841 4,128
Balance 20,396 7,123 20,396 7,123
Commercial Real Estate Portfolio Segment [Member]        
Financing Receivable, Allowance for Credit Losses [Line Items]        
Balance 11,371 9,195 10,926 7,799
Charged-offs (124) (406)
Recoveries 10 35 327
Provision (6) 1,203 414 2,554
Balance 11,375 10,274 11,375 10,274
Construction Loans [Member]        
Financing Receivable, Allowance for Credit Losses [Line Items]        
Balance 4,040 1,945 3,253 1,239
Charged-offs
Recoveries
Provision 32 701 819 1,407
Balance 4,072 2,646 4,072 2,646
Residential Portfolio Segment [Member]        
Financing Receivable, Allowance for Credit Losses [Line Items]        
Balance 1,091 1,161 976 1,113
Charged-offs (27) (94)
Recoveries 3 2
Provision 110 (149) 289 (103)
Balance 1,174 1,012 1,174 1,012
Consumer Portfolio Segment [Member]        
Financing Receivable, Allowance for Credit Losses [Line Items]        
Balance 4 7 4 7
Charged-offs (5) (10) (13)
Recoveries 1 3 1
Provision 4 (3) 7 9
Balance 4 4 4 4
Unallocated [Member]        
Financing Receivable, Allowance for Credit Losses [Line Items]        
Balance 709 539 464 919
Charged-offs
Recoveries
Provision (115) (65) 130 (445)
Balance $ 594 $ 474 $ 594 $ 474
XML 70 R58.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and the Allowance for Loan and Lease Losses (Details) - Schedule of troubled debt restructuring by class
$ in Thousands
 9 Months Ended
Sep. 30, 2016
USD ($)
Integer
Sep. 30, 2015
USD ($)
Integer
Troubled Debt Restructuring, Debtor, Current Period [Line Items]    
Number of Loans | Integer 18 47
Pre-Modification Outstanding Recorded Investment $ 19,892 $ 75,363
Post-Modification Outstanding Recorded Investment $ 19,892 $ 75,363
Commercial Portfolio Segment [Member]    
Troubled Debt Restructuring, Debtor, Current Period [Line Items]    
Number of Loans | Integer 16 47
Pre-Modification Outstanding Recorded Investment $ 19,311 $ 75,363
Post-Modification Outstanding Recorded Investment $ 19,311 $ 75,363
Commercial Real Estate Portfolio Segment [Member]    
Troubled Debt Restructuring, Debtor, Current Period [Line Items]    
Number of Loans | Integer 2
Pre-Modification Outstanding Recorded Investment $ 581
Post-Modification Outstanding Recorded Investment $ 581
Construction Loans [Member]    
Troubled Debt Restructuring, Debtor, Current Period [Line Items]    
Number of Loans | Integer
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Residential Portfolio Segment [Member]    
Troubled Debt Restructuring, Debtor, Current Period [Line Items]    
Number of Loans | Integer
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Consumer Portfolio Segment [Member]    
Troubled Debt Restructuring, Debtor, Current Period [Line Items]    
Number of Loans | Integer
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
XML 71 R59.htm IDEA: XBRL DOCUMENT v3.5.0.2
Fair Value Measurements and Fair Value of Financial Instruments (Details) - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Fair Value Disclosures [Abstract]    
Impaired Financing Receivable, with Related Allowance, Recorded Investment $ 96,117 $ 6,000
Impaired Financing Receivable, Related Allowance $ 900 $ 2,200
XML 72 R60.htm IDEA: XBRL DOCUMENT v3.5.0.2
Fair Value Measurements and Fair Value of Financial Instruments (Details) - Schedule of Fair Value on a recurring basis - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value $ 338,459 $ 195,770
Loans held for sale 15,112  
Assets: Available-for-sale, Fair Value 353,571  
Liabilities    
Derivatives 1,212 131
Total liabilities 1,212 131
Fair Value, Inputs, Level 1 [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 12,768 18,524
Loans held for sale  
Assets: Available-for-sale, Fair Value 12,768  
Liabilities    
Derivatives
Total liabilities  
Fair Value, Inputs, Level 2 [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 307,356 177,246
Loans held for sale 15,112  
Assets: Available-for-sale, Fair Value 322,468  
Liabilities    
Derivatives 1,212 131
Total liabilities 1,212 131
Fair Value, Inputs, Level 3 [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 18,335
Loans held for sale  
Assets: Available-for-sale, Fair Value 18,335  
Liabilities    
Derivatives
Total liabilities  
Federal Agency Obligations [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 56,099 29,146
Federal Agency Obligations [Member] | Fair Value, Inputs, Level 2 [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 56,099 29,146
Residential mortgage pass-through securities [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 63,404 44,910
Residential mortgage pass-through securities [Member] | Fair Value, Inputs, Level 2 [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 63,404 44,910
Commercial Mortgage Backed Securities [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 4,369 2,972
Commercial Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 4,369 2,972
US States and Political Subdivisions Debt Securities [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 141,361 8,357
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 123,026 8,357
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 18,335  
Trust Preferred Securities [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 5,675 16,255
Trust Preferred Securities [Member] | Fair Value, Inputs, Level 2 [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 5,675 16,255
Corporate Bonds And Notes [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 38,293 53,976
Corporate Bonds And Notes [Member] | Fair Value, Inputs, Level 2 [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 38,293 53,976
Asset-backed Securities [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 15,502 19,725
Asset-backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 15,502 19,725
Certificates of Deposit [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 988 1,905
Certificate Of Deposit [Member] | Fair Value, Inputs, Level 2 [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 988 1,905
Equity Securities [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 425 374
Equity Securities [Member] | Fair Value, Inputs, Level 1 [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 425 374
Other Securities [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value 12,343 18,150
Other Securities [Member] | Fair Value, Inputs, Level 1 [Member]    
Available-for-sale:    
Investment securities: Available-for-sale, Fair Value $ 12,343 $ 18,150
XML 73 R61.htm IDEA: XBRL DOCUMENT v3.5.0.2
Fair Value Measurements and Fair Value of Financial Instruments (Details) - Schedule of Assets at Fair Value on Non-Recurring - Impaired Loans [Member] - Commercial Portfolio Segment [Member] - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Assets Measured at Fair Value on a Non-Recurring Basis:    
Assets, Fair Value Disclosure, Nonrecurring $ 396 $ 3,751
Fair Value, Inputs, Level 3 [Member]    
Assets Measured at Fair Value on a Non-Recurring Basis:    
Assets, Fair Value Disclosure, Nonrecurring $ 396 $ 3,751
XML 74 R62.htm IDEA: XBRL DOCUMENT v3.5.0.2
Fair Value Measurements and Fair Value of Financial Instruments (Details) - Schedule of fair value hierarchy - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Sep. 30, 2015
Dec. 31, 2014
Financial assets        
Cash and cash equivalents, Carrying Amount $ 233,794 $ 200,895 $ 158,521 $ 126,847
Cash and cash equivalents, Fair Value 233,794 200,895    
Investment securities available-for-sale, Carrying Amount 338,459 195,770    
Investment Securities Available-for-Sale, Fair Value 338,459 195,770    
Investment securities held-to-maturity, Carrying Amount 224,056    
Investment securities held-to-maturity, Fair Value   230,558    
Restricted investment in bank stocks, Carrying Amount 24,535 32,612    
Restricted investment in bank stocks, Fair Value      
Net loans, Carrying Amount 3,407,861 3,072,435    
Net loans, Fair Value 3,421,539 3,059,343    
Loans held-for-sale, Carrying Amount 15,112    
Loans held-for-sale, Fair Value 15,112      
Accrued interest receivable, Carrying Amount 12,497 12,545    
Accrued interest receivable, Fair Value 12,497 12,545    
Financial liabilities        
Noninterest-bearing deposits, Carrying Amount 655,683 650,775    
Noninterest-bearing deposits, Fair Value 655,683 650,775    
Interest-bearing deposits, Carrying Amount 2,613,266 2,140,191    
Interest-bearing deposits, Fair Value 2,601,221 2,137,149    
Borrowings, Carrying Amount 481,337 671,587    
Borrowings, Fair Value 486,503 674,131    
Subordinated debentures, net 54,490 54,343    
Subordinated debentures, Fair Value 53,784 55,209    
Derivatives, Carrying Amount 1,212 131    
Derivatives, Fair Value 1,212 131    
Accrued interest payable, Carrying Amount 4,600 4,387    
Accrued interest payable, Fair Value 4,600 4,387    
Fair Value, Inputs, Level 1 [Member]        
Financial assets        
Cash and cash equivalents, Fair Value 233,794 200,895    
Investment Securities Available-for-Sale, Fair Value 12,768 18,524    
Investment securities held-to-maturity, Fair Value   29,226    
Restricted investment in bank stocks, Fair Value      
Net loans, Fair Value    
Loans held-for-sale, Fair Value      
Accrued interest receivable, Fair Value 68    
Financial liabilities        
Noninterest-bearing deposits, Fair Value 655,683 650,775    
Interest-bearing deposits, Fair Value    
Borrowings, Fair Value    
Subordinated debentures, Fair Value    
Derivatives, Fair Value    
Accrued interest payable, Fair Value    
Fair Value, Inputs, Level 2 [Member]        
Financial assets        
Cash and cash equivalents, Fair Value    
Investment Securities Available-for-Sale, Fair Value 307,356 177,246    
Investment securities held-to-maturity, Fair Value   182,774    
Restricted investment in bank stocks, Fair Value      
Net loans, Fair Value    
Loans held-for-sale, Fair Value 15,112      
Accrued interest receivable, Fair Value 1,895 2,699    
Financial liabilities        
Noninterest-bearing deposits, Fair Value    
Interest-bearing deposits, Fair Value 2,601,221 2,137,149    
Borrowings, Fair Value 486,503 674,131    
Subordinated debentures, Fair Value 53,784 55,209    
Derivatives, Fair Value 1,212 131    
Accrued interest payable, Fair Value 4,600 4,387    
Fair Value, Inputs, Level 3 [Member]        
Financial assets        
Cash and cash equivalents, Fair Value    
Investment Securities Available-for-Sale, Fair Value 18,335    
Investment securities held-to-maturity, Fair Value   18,558    
Restricted investment in bank stocks, Fair Value      
Net loans, Fair Value 3,421,539 3,059,343    
Loans held-for-sale, Fair Value      
Accrued interest receivable, Fair Value 10,602 9,778    
Financial liabilities        
Noninterest-bearing deposits, Fair Value    
Interest-bearing deposits, Fair Value    
Borrowings, Fair Value    
Subordinated debentures, Fair Value    
Derivatives, Fair Value    
Accrued interest payable, Fair Value    
XML 75 R63.htm IDEA: XBRL DOCUMENT v3.5.0.2
Accumulated Other Comprehensive Income/(Loss) (Details) - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]    
Net unrealized gain on investment securities available-for-sale $ 5,332 $ 713
Cash flow hedge (717) (77)
Unamortized component of securities transferred from available-for-sale to held-to-maturity (1,173)
Defined benefit pension and post-retirement plans (3,891) (4,072)
Total accumulated other comprehensive income (loss) $ 724 $ (4,609)
XML 76 R64.htm IDEA: XBRL DOCUMENT v3.5.0.2
Stock-Based Compensation (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Dec. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period     3 years    
Stock Issued During Period, Shares, Restricted Stock Award, Gross (in Shares)      
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number 452,161   452,161   535,906
Unrecognized compensation cost related to nonvested shares $ 1,671   $ 1,671    
Weighted average period related to compensation cost     1 year 8 months 12 days    
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in Shares)        
Tax benefit rate     36.00%    
Employee Director Stock Option Plan 2009 [Member]          
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in Shares) 68,516   68,516    
Equity Compensation Plan 2009 [Member]          
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in Shares) 234,090   234,090    
Restricted Stock [Member]          
Unrecognized compensation cost related to nonvested shares $ 1,249   $ 1,249    
Weighted average period related to compensation cost     23 months 3 days    
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in Shares)      
Allocated Share-based Compensation Expense     $ 223 $ 572  
Performance Shares [Member]          
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost (in Dollars) $ 238 $ 156 $ 698 $ 258  
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Number 132,304   132,304    
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number 181,892   181,892    
Unearned [Member]          
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number 146,276   146,276   94,585
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in Shares)     59,138    
XML 77 R65.htm IDEA: XBRL DOCUMENT v3.5.0.2
Stock-Based Compensation (Details) - Disclosure of Share-based Compensation Arrangements by Share-based Payment Award
$ / shares in Units, $ in Thousands
 9 Months Ended
Sep. 30, 2016
USD ($)
$ / shares
shares
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]  
Beginning balance | shares 535,906
Granted | shares
Exercised | shares (38,735)
Forfeited/cancelled/expired | shares (45,010)
Ending balance | shares 452,161
Exercisable Ending Balance | shares 448,631
Outstanding Beginning Balance, Weighted-Average Exercise Price | $ / shares $ 6.48
Granted, Weighted-Average Exercise Price | $ / shares
Exercised, Weighted-Average Exercise Price | $ / shares 6.32
Forfeited/cancelled/expired, Weighted-Average Exercise Price | $ / shares 10.59
Outstanding Ending Balance, Weighted-Average Exercise Price | $ / shares 6.09
Exercisable Ending Balance, Weighted-Average Exercise Price | $ / shares $ 6.02
Outstanding Ending Balance - Weighted Average Remaining Contractual Term (In Years) 2 years 6 months 4 days
Exercisable Ending Balance - Weighted Average Remaining Contractual Term (In Years) 2 years 5 months 19 days
Outstanding Ending Balance - Aggregate Intrinsic Value | $ $ 5,412,898
Exercisable Ending Balance - Aggregate Intrinsic Value | $ $ 4,674,682
XML 78 R66.htm IDEA: XBRL DOCUMENT v3.5.0.2
Stock-Based Compensation (Details) - Disclosure related to stock option plan
$ in Thousands
 9 Months Ended
Sep. 30, 2016
USD ($)
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]  
Intrinsic value of options exercised $ 398,890
Cash received from options exercised 244,625
Tax benefit realized from options exercised 53,631
Weighted average fair value of options granted
XML 79 R67.htm IDEA: XBRL DOCUMENT v3.5.0.2
Stock-Based Compensation (Details) - Schedule of Share-based Payment Award, Nonvested Shares
 9 Months Ended
Sep. 30, 2016
$ / shares
shares
Granted
Nonvested [Member]  
Beginning balance 96,902
Granted 72,920
Vested (55,648)
Forfeited/cancelled/expired (1,000)
Ending balance 113,174
Beginning balance | $ / shares $ 16.81
Granted | $ / shares 15.88
Vested | $ / shares 16.01
Forfeited/cancelled/expired | $ / shares 19.58
Ending balance | $ / shares $ 16.81
XML 80 R68.htm IDEA: XBRL DOCUMENT v3.5.0.2
Stock-Based Compensation (Details) - Schedule of Share-based Payment Award, Unearned Shares
 9 Months Ended
Sep. 30, 2016
$ / shares
shares
Beginning balance 535,906
Awarded
Ending balance 452,161
Unearned [Member]  
Beginning balance 94,585
Awarded 59,138
Forfeited (7,447)
Expired
Ending balance 146,276
Beginning balance | $ / shares $ 19.46
Awarded | $ / shares 17.01
Forfeited | $ / shares 19.46
Expired | $ / shares
Ending balance | $ / shares $ 18.47
XML 81 R69.htm IDEA: XBRL DOCUMENT v3.5.0.2
Components of Net Periodic Pension Cost (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Components Of Net Periodic Pension Cost Details        
Interest cost $ 129 $ 127 $ 386 $ 394
Expected return on plan assets (166) (123) (457) (387)
Net amortization 101 108 305 324
Recognized settlement loss 64 629
Net periodic pension cost 64 176 234 960
Amortization of actuarial loss (204) (183) (305) (1,186)
Total recognized in other comprehensive income (204) (183) (305) (1,186)
Total recognized in net expense and OCI (before tax) (140) $ (7) $ (71) $ (226)
Defined Benefit Plan, Contributions by Employer $ 2,000      
XML 82 R70.htm IDEA: XBRL DOCUMENT v3.5.0.2
FHLB and other borrowings (Details)
$ in Thousands
 9 Months Ended
Sep. 30, 2016
USD ($)
Integer
Number of Federal Home Loan Bank Notes | Integer 3
Long-term Line of Credit $ 1,200,000
Line of Credit Facility, Remaining Borrowing Capacity 752,000
Federal Home Loan Bank Note One [Member]  
Extinguishment of Debt, Amount $ 2,500
Debt Instrument, Maturity Date Apr. 02, 2018
Federal Home Loan Bank Note Two [Member]  
Extinguishment of Debt, Amount $ 7,500
Debt Instrument, Maturity Date Apr. 02, 2018
Federal Home Loan Bank Note Three [Member]  
Extinguishment of Debt, Amount $ 5,000
Debt Instrument, Maturity Date Jul. 16, 2018
XML 83 R71.htm IDEA: XBRL DOCUMENT v3.5.0.2
FHLB and other borrowings (Details) - Schedule of components of FHLB and other borrowings and weighted average interest rates - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
By type of borrowing:    
FHLB borrowings and other borrowings (in Dollars) $ 481,337 $ 671,587
Weighted average interest rates 1.66% 1.37%
By remaining period to maturity:    
One year or less (in Dollars) $ 251,337 $ 270,587
One year or less 1.27% 0.64%
One to two years (in Dollars) $ 60,000 $ 171,000
One to two years 1.96% 1.56%
Two to three years (in Dollars) $ 105,000 $ 130,000
Two to three years 1.69% 1.84%
Three to four years (in Dollars) $ 25,000 $ 35,000
Three to four years 1.85% 1.60%
Four to five years (in Dollars) $ 40,000 $ 65,000
Four to five years 3.43% 2.82%
Federal Home Loan Bank Advances [Member]    
By type of borrowing:    
FHLB borrowings and other borrowings (in Dollars) $ 466,337 $ 656,587
Weighted average interest rates 1.52% 1.26%
Repurchase Agreements ("REPOs") [Member]    
By type of borrowing:    
FHLB borrowings and other borrowings (in Dollars) $ 15,000 $ 15,000
Weighted average interest rates 5.95% 5.95%
XML 84 R72.htm IDEA: XBRL DOCUMENT v3.5.0.2
Securities Sold under Agreements to Repurchase (Details) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2016
Dec. 31, 2015
Securities carrying amount $ 17,100 $ 18,800
Minimum [Member]    
Percentage by which fair value of pledged securities must meet or exceed gross outstanding balance 8.00%  
XML 85 R73.htm IDEA: XBRL DOCUMENT v3.5.0.2
Securities Sold under Agreements to Repurchase (Details) - Schedule of repurchase agreements - USD ($)
$ in Thousands
 9 Months Ended 12 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Dec. 31, 2015
Securities Sold under Agreements to Repurchase [Abstract]      
Average daily balance during the year-to-date $ 15,000 $ 25,549 $ 22,890
Average interest rate during the year-to-date 5.95% 5.90% 5.92%
Maximum month-end balance during the year-to-date $ 15,000 $ 31,000 $ 31,000
Weighted average interest rate during the year-to-date 5.95% 5.90% 5.92%
XML 86 R74.htm IDEA: XBRL DOCUMENT v3.5.0.2
Securities Sold under Agreements to Repurchase (Details) - Schedule of remaining contractual maturity - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Total Borrowings $ 17,082 $ 18,902
Amounts related to agreements not included in offsetting disclosure in Note 14: 2,082 3,902
U.S. Treasury and agency securities [Member]    
Total Borrowings 6,313
Residential mortgage pass-through securities [Member]    
Total Borrowings 17,082 12,589
Overnight and Continuous [Member]    
Total Borrowings
Overnight and Continuous [Member] | U.S. Treasury and agency securities [Member]    
Total Borrowings
Overnight and Continuous [Member] | Residential mortgage pass-through securities [Member]    
Total Borrowings
Upto 30 Days [Member]    
Total Borrowings
Upto 30 Days [Member] | U.S. Treasury and agency securities [Member]    
Total Borrowings
Upto 30 Days [Member] | Residential mortgage pass-through securities [Member]    
Total Borrowings
30 - 90 Days [Member]    
Total Borrowings
30 - 90 Days [Member] | U.S. Treasury and agency securities [Member]    
Total Borrowings
30 - 90 Days [Member] | Residential mortgage pass-through securities [Member]    
Total Borrowings
Greater Than 90 Days[Member]    
Total Borrowings 17,082 18,902
Greater Than 90 Days[Member] | U.S. Treasury and agency securities [Member]    
Total Borrowings 6,313
Greater Than 90 Days[Member] | Residential mortgage pass-through securities [Member]    
Total Borrowings $ 17,082 $ 12,589
XML 87 R75.htm IDEA: XBRL DOCUMENT v3.5.0.2
Subordinated Debentures (Details) - USD ($)
$ in Thousands
 1 Months Ended 9 Months Ended
Jun. 30, 2015
Sep. 30, 2016
Fixed-to-floating Rate Subordinated Notes [Member]    
Subordinated Debentures (Details) [Line Items]    
Proceeds from Issuance of Debt $ 50,000  
Debt Instrument, Term 5 years  
Debt Instrument, Maturity Date Jul. 01, 2025  
Debt Instrument, Interest Rate, Stated Percentage 5.75%  
Debt Instrument, Description of Variable Rate Basis three-month LIBOR rate plus 393 basis points  
Debt Issuance Cost $ 665  
Subordinated Debt from Trust [Member]    
Subordinated Debentures (Details) [Line Items]    
Value of subordinated debentures received by Trust   $ 5,000
Percentage Rate Added to Libor   2.85%
Floating interest rate on subordinated debentures   3.61%
Proceeds from Issuance of Debt   $ 5,200
Debt Instrument, Maturity Date   Jan. 23, 2034
XML 88 R76.htm IDEA: XBRL DOCUMENT v3.5.0.2
Subordinated Debentures (Details) - Schedule of Subordinated Borrowing - USD ($)
$ in Thousands
 9 Months Ended 12 Months Ended
Sep. 30, 2016
Dec. 31, 2015
Schedule of Subordinated Borrowing [Abstract]    
Issuance Date Dec. 19, 2003 Dec. 19, 2003
Securities Issued $ 5,000 $ 5,000
Liquidation Value $1,000 per Capital Security $1,000 per Capital Security
Coupon Rate Floating 3-month LIBOR + 285 Basis Points Floating 3-month LIBOR + 285 Basis Points
Maturity Jan. 23, 2034 Jan. 23, 2034
Redeemable by Issuer Beginning Jan. 23, 2009 Jan. 23, 2009
XML 89 R77.htm IDEA: XBRL DOCUMENT v3.5.0.2
Offsetting Assets and Liabilities (Details) - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Gross Amounts Recognized, Total $ 16,212 $ 15,131
Gross Amounts Offset in the Statement of Financial Position, Total
Net Amounts of Assets Presented in the Statement of Financial Position, Total 16,212 15,131
Financial Instruments Recognized, Total
Cash or Financial Instrument Collateral, Total 16,212 15,131
Net Amount, Total
Repurchase Agreements ("REPOs") [Member]    
Gross Amounts Recognized, Liabilities 15,000 15,000
Gross Amounts Offset in the Statement of Financial Position, Liabilities
Net Amounts of Assets Presented in the Statement of Financial Position, Liabilities 15,000 15,000
Financial Instruments Recognized, Liabilities
Cash or Financial Instrument Collateral, Liabilities 15,000 15,000
Net Amount, Liabilities
Interest Rate Swap [Member]    
Gross Amounts Recognized, Assets (179)
Gross Amounts Offset in the Statement of Financial Position
Net Amounts of Assets Presented in the Statement of Financial Position, Assets
Financial Instruments Recognized, Assets
Cash or Financial Instrument Collateral, Assets
Net Amount, Assets
Gross Amounts Recognized, Liabilities 1,212 131
Gross Amounts Offset in the Statement of Financial Position, Liabilities
Net Amounts of Assets Presented in the Statement of Financial Position, Liabilities 1,212 131
Financial Instruments Recognized, Liabilities
Cash or Financial Instrument Collateral, Liabilities 1,212 131
Net Amount, Liabilities
XML 90 R78.htm IDEA: XBRL DOCUMENT v3.5.0.2
Presentation of Debt Issuance Costs (Details) - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
Other assets $ 25,974 $ 24,096
Total assets 4,327,804 4,015,909
Subordinated debentures 54,490 54,343
Total liabilities $ 3,828,216 3,538,565
As previously reported [Member]    
Other assets   24,908
Total assets   4,016,721
Subordinated debentures   55,155
Total liabilities   3,539,377
As reported under the new guidance [Member]    
Other assets   24,096
Total assets   4,015,909
Subordinated debentures   54,343
Total liabilities   $ 3,538,565
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