thirdqtr.htm

0000739421-15-000066.txt : 20151105 0000739421-15-000066.hdr.sgml : 20151105 20151105104102 ACCESSION NUMBER: 0000739421-15-000066 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 10 CONFORMED PERIOD OF REPORT: 20150930 FILED AS OF DATE: 20151105 DATE AS OF CHANGE: 20151105 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CITIZENS FINANCIAL SERVICES INC CENTRAL INDEX KEY: 0000739421 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 232265045 STATE OF INCORPORATION: PA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-13222 FILM NUMBER: 151199271 BUSINESS ADDRESS: STREET 1: 15 S MAIN ST CITY: MANSFIELD STATE: PA ZIP: 16933 BUSINESS PHONE: 5706622121 MAIL ADDRESS: STREET 1: 15 S MAIN ST CITY: MANSFIELD STATE: PA ZIP: 16933 10-Q 1 thirdqtr.htm FORM 10-Q FOR THIRD QUARTER 2015 thirdqtr.htm

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q

[X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES

EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2015

[ ] 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 0-13222

CITIZENS FINANCIAL SERVICES, INC.

(Exact name of registrant as specified in its charter)

PENNSYLVANIA 23-2265045

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

15 South Main Street

Mansfield, Pennsylvania 16933

(Address of principal executive offices) (Zip Code)

Registrant's telephone number, including area code: (570) 662-2121

Indicate by check mark whether the registrant (1) has filed all reports 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 __X__ 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 __X__ No_____

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

Large accelerated filer ____ Accelerated filer _X__

Non-accelerated filer ____ Smaller reporting company ____

(Do not check if a smaller reporting company)

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

The number of outstanding shares of the Registrant’s Common Stock, as of October 26, 2015, was 3,001,071.

Citizens Financial Services, Inc.

Form 10-Q

INDEX

		PAGE
Part I	FINANCIAL INFORMATION
Item 1.	Financial Statements (unaudited):
	Consolidated Balance Sheet as of September 30,2015 and December 31, 2014	1
	Consolidated Statement of Income for the Three and Nine months Ended September 30,2015 and 2014	2
	Consolidated Statement of Comprehensive Income for the Three and Nine months ended September 30, 2015 and 2014	3
	Consolidated Statement of Cash Flows for the Nine Months ended September 30, 2015 and 2014	4
	Notes to Consolidated Financial Statements	5-28
Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	29-50
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	50-51
Item 4.	Controls and Procedures	51

Part II	OTHER INFORMATION
Item 1.	Legal Proceedings	51
Item 1A.	Risk Factors	51
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	51-52
Item 3.	Defaults Upon Senior Securities	52
Item 4.	Mine Safety Disclosures	52
Item 5.	Other Information	52
Item 6.	Exhibits	52
	Signatures	53

CITIZENS FINANCIAL SERVICES, INC.
CONSOLIDATED BALANCE SHEET
(UNAUDITED)

	September 30,	December 31,
(in thousands except share data)	2015	2014
ASSETS:
Cash and due from banks:
Noninterest-bearing	$ 9,437	$ 10,091
Interest-bearing	877	1,332
Total cash and cash equivalents	10,314	11,423
Interest bearing time deposits with other banks	6,460	5,960
Available-for-sale securities	300,630	306,146
Loans held for sale	1,248	497

Loans (net of allowance for loan losses:
2015, $7,045 and 2014, $6,815)	575,964	547,290

Premises and equipment	12,544	12,357
Accrued interest receivable	3,566	3,644
Goodwill	10,256	10,256
Bank owned life insurance	20,773	20,309
Other assets	12,222	7,166

TOTAL ASSETS	$ 953,977	$ 925,048

LIABILITIES:
Deposits:
Noninterest-bearing	$ 106,957	$ 95,526
Interest-bearing	690,891	678,407
Total deposits	797,848	773,933
Borrowed funds	44,657	41,799
Accrued interest payable	693	756
Other liabilities	6,875	8,032
TOTAL LIABILITIES	850,073	824,520
STOCKHOLDERS' EQUITY:
Preferred Stock
$1.00 par value; authorized 3,000,000 shares September 30, 2015 and December 31, 2014;
none issued in 2015 or 2014	-	-
Common stock
$1.00 par value; authorized 15,000,000 shares; issued 3,335,236 at September 30, 2015 and
December 31, 2014	3,335	3,335
Additional paid-in capital	25,131	25,150
Retained earnings	84,698	79,512
Accumulated other comprehensive income	842	767
Treasury stock, at cost: 334,165 shares at September 30, 2015
and 296,280 shares at December 31, 2014	(10,102)	(8,236)
TOTAL STOCKHOLDERS' EQUITY	103,904	100,528
TOTAL LIABILITIES AND
STOCKHOLDERS' EQUITY	$ 953,977	$ 925,048

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

CITIZENS FINANCIAL SERVICES, INC.
CONSOLIDATED STATEMENT OF INCOME
(UNAUDITED)
	Three Months Ended		Nine Months Ended
	September30,		September30,
(in thousands, except share and per share data)	2015	2014	2015	2014
INTEREST INCOME:
Interest and fees on loans	$ 7,248	$ 7,094	$ 21,416	$ 21,200
Interest-bearing deposits with banks	33	25	103	51
Investment securities:
Taxable	798	805	2,317	2,542
Nontaxable	749	844	2,398	2,526
Dividends	35	40	168	159
TOTAL INTEREST INCOME	8,863	8,808	26,402	26,478
INTEREST EXPENSE:
Deposits	1,044	1,092	3,088	3,291
Borrowed funds	174	142	521	451
TOTAL INTEREST EXPENSE	1,218	1,234	3,609	3,742
NET INTEREST INCOME	7,645	7,574	22,793	22,736
Provision for loan losses	120	150	360	480
NET INTEREST INCOME AFTER
PROVISION FOR LOAN LOSSES	7,525	7,424	22,433	22,256
NON-INTEREST INCOME:
Service charges	1,054	1,098	3,058	3,239
Trust	149	151	523	528
Brokerage and insurance	181	141	563	398
Gains on loans sold	85	40	183	110
Investment securities gains, net	129	242	430	488
Earnings on bank owned life insurance	158	124	464	366
Other	109	128	327	337
TOTAL NON-INTEREST INCOME	1,865	1,924	5,548	5,466
NON-INTEREST EXPENSES:
Salaries and employee benefits	3,069	2,790	9,118	8,600
Occupancy	347	313	1,064	967
Furniture and equipment	108	86	323	280
Professional fees	202	207	614	649
FDIC insurance	116	116	348	345
Pennsylvania shares tax	201	101	602	485
Merger and acquisition	282	187	405	237
ORE expenses	328	106	686	243
Other	1,199	1,161	3,455	3,352
TOTAL NON-INTEREST EXPENSES	5,852	5,067	16,615	15,158
Income before provision for income taxes	3,538	4,281	11,366	12,564
Provision for income taxes	681	913	2,200	2,655
NET INCOME	$ 2,857	$ 3,368	$ 9,166	$ 9,909
PER COMMON SHARE DATA:
Net Income - Basic	$ 0.95	$ 1.11	$ 3.04	$ 3.26
Net Income - Diluted	$ 0.95	$ 1.11	$ 3.03	$ 3.26
Cash Dividends Paid	$ 0.510	$ 1.000	$ 1.320	$ 1.772

Number of shares used in computation - basic	3,011,687	3,035,214	3,019,202	3,038,973
Number of shares used in computation - diluted	3,013,151	3,036,700	3,020,670	3,040,400
The accompanying notes are an integral part of these unaudited consolidated financial statements.

CITIZENS FINANCIAL SERVICES, INC.
CONSOLIDATED STATEMENT OF
COMPREHENSIVE INCOME
(UNAUDITED)
	Three Months Ended				Nine Months Ended
	September30,				September30,
(in thousands)		2015		2014		2015		2014
Net income		$ 2,857		$ 3,368		$ 9,166		$ 9,909
Other comprehensive income (loss):
Change in unrealized gains on available
for sale securities	1,094		855		390		4,598
Income tax effect	(372)		(291)		(132)		(1,563)
Change in unrecognized pension cost	51		13		153		38
Income tax effect	(17)		(4)		(52)		(13)
Less: Reclassification adjustment for investment
security gains included in net income	(129)		(242)		(430)		(488)
Income tax effect	44		82		146		166
Other comprehensive income, net of tax		671		413		75		2,738
Comprehensive income		$ 3,528		$ 3,781		$ 9,241		$ 12,647

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

CITIZENS FINANCIAL SERVICES, INC.
CONSOLIDATED STATEMENT OF CASH FLOWS
(UNAUDITED)	Nine Months Ended
	September 30,
(in thousands)	2015	2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 9,166	$ 9,909
Adjustments to reconcile net income to net
cash provided by operating activities:
Provision for loan losses	360	480
Depreciation and amortization	370	358
Amortization and accretion of investment securities	1,521	1,632
Deferred income taxes	(39)	562
Investment securities gains, net	(430)	(488)
Earnings on bank owned life insurance	(464)	(366)
Originations of loans held for sale	(13,510)	(8,055)
Proceeds from sales of loans held for sale	12,942	7,690
Realized gains on loans sold	(183)	(110)
Decrease in accrued interest receivable	78	39
Decrease in accrued interest payable	(63)	(142)
Other, net	(842)	(222)
Net cash provided by operating activities	8,906	11,287
CASH FLOWS FROM INVESTING ACTIVITIES:
Available-for-sale securities:
Proceeds from sales	18,393	17,338
Proceeds from maturity and principal repayments	39,472	39,416
Purchase of securities	(58,667)	(44,769)
Purchase of interest bearing time deposits with other banks	(500)	(3,232)
Proceeds from redemption of regulatory stock	2,150	2,891
Purchase of regulatory stock	(2,097)	(1,895)
Net increase in loans	(29,148)	(4,680)
Purchase of premises and equipment	(633)	(555)
Proceeds from sale of foreclosed assets held for sale	340	647
Net cash (used) provide by investing activities	(30,690)	5,161
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	23,915	19,726
Proceeds from long-term borrowings	5,288	6,815
Repayments of long-term borrowings	(700)	(4,200)
Net increase in short-term borrowed funds	(1,730)	(31,818)
Purchase of treasury and restricted stock	(2,315)	(733)
Dividends paid	(3,783)	(4,998)
Net cash (used) provided by financing activities	20,675	(15,208)
Net (decrease) increase in cash and cash equivalents	(1,109)	1,240
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	11,423	10,083
CASH AND CASH EQUIVALENTS AT END OF PERIOD	$ 10,314	$ 11,323

Supplemental Disclosures of Cash Flow Information:
Interest paid	$ 3,672	$ 3,884
Income taxes paid	$ 2,425	$ 2,085
Loans transferred to foreclosed property	$ 241	$ 867
Premises and equipment transferred from other assets	$ -	$ 549
Investments sold and not settled	$ 5,187	$ -
The accompanying notes are an integral part of these unaudited consolidated financial statements.

CITIZENS FINANCIAL SERVICES, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

Note 1 - Basis of Presentation

Citizens Financial Services, Inc. (individually and collectively with its direct and indirect subsidiaries, the “Company”) is a Pennsylvania corporation organized as the holding company of its wholly owned subsidiary, First Citizens Community Bank (the “Bank”), and the Bank’s wholly owned subsidiary, First Citizens Insurance Agency, Inc. (“First Citizens Insurance”).

The accompanying consolidated financial statements have been prepared pursuant to rules and regulations of the Securities and Exchange Commission (“SEC”) and in conformity with U.S. generally accepted accounting principles. Because this report is based on an interim period, certain information and footnote disclosures normally included in financial statements prepared in accordance with U.S. generally accepted accounting principles have been condensed or omitted. Certain of the prior year amounts have been reclassified to conform with the current year presentation. Such reclassifications had no effect on net income or stockholders’ equity. All material inter-company balances and transactions have been eliminated in consolidation.

In the opinion of management of the Company, the accompanying interim financial statements at September 30, 2015 and for the periods ended September 30, 2015 and 2014 include all adjustments, consisting of only normal recurring adjustments, necessary for a fair presentation of the financial condition and the results of operations for the period. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. The financial performance reported for the Company for the nine month period ended September 30, 2015 is not necessarily indicative of the results to be expected for the full year. This information should be read in conjunction with the Company’s Annual Report on Form 10-K for the year ended December 31, 2014.

Note 2 - Earnings per Share

The following table sets forth the computation of earnings per share. Earnings per share calculations give retroactive effect to stock dividends declared by the Company.

	Three months ended		Nine months ended
	September30,		September30,
	2015	2014	2015	2014
Net income applicable to common stock	$2,857,000	$3,368,000	$9,166,000	$9,909,000

Basic earnings per share computation
Weighted average common shares outstanding	3,011,687	3,035,214	3,019,202	3,038,973
Earnings per share - basic	$0.95	$1.11	$3.04	$3.26

Diluted earnings per share computation
Weighted average common shares outstanding for basic earnings per share	3,011,687	3,035,214	3,019,202	3,038,973
Add: Dilutive effects of restricted stock	1,464	1,486	1,468	1,427
Weighted average common shares outstanding for dilutive earnings per share	3,013,151	3,036,700	3,020,670	3,040,400
Earnings per share - diluted	$0.95	$1.11	$3.03	$3.26

For the three months ended September 30, 2015 and 2014, there were 2,696 and 1,938 shares, respectively, related to the restricted stock plan that were excluded from the diluted earnings per share calculations since they were anti-dilutive. These anti-dilutive shares had prices ranging from $44.50-$53.15 for the three month period ended September 30, 2015 and prices ranging from $34.70-$50.50 for the three month period ended September 30, 2014. For the nine months ended September 30, 2015 and 2014, 2,696 and 2,913 shares, respectively, related to the restricted stock plan were excluded from the diluted earnings per share calculations since they were anti-dilutive. These anti-dilutive shares had prices ranging from $44.50-$53.15 for the nine month period ended September 30, 2015 and prices ranging from $34.70-$50.50 for the nine month period ended September 30, 2014.

Note 3 - Income Tax Expense

Income tax expense is less than the amount calculated using the statutory tax rate, primarily as a result of tax-exempt income earned from state and municipal securities and loans and investments in affordable housing tax credits.

Investments in Qualified Affordable Housing Projects

As of September 30, 2015 and December 31, 2014, the Company was invested in four partnerships that provide affordable housing. The balance of the investments, which is included within other assets in the Consolidated Balance Sheet, was $1,024,000 and $1,218,000 as of September 30, 2015 and December 31, 2014, respectively. Investments purchased prior to January 1, 2015, are accounted for utilizing the effective yield method. As of September 30, 2015, the Company has $1,094,000 of tax credits remaining that will be recognized over seven years. Tax credits of $50,000 and $149,000 were recognized as a reduction of tax expense during the three and nine months ended September 30, 2015, respectively.

Note 4 – Investments

The amortized cost, gross unrealized gains and losses, and fair value of investment securities at September 30, 2015 and December 31, 2014 were as follows (in thousands):

		Gross	Gross
	Amortized	Unrealized	Unrealized	Fair
September 30, 2015	Cost	Gains	Losses	Value
Available-for-sale securities:
U.S. agency securities	$ 163,012	$ 1,113	$ (23)	$ 164,102
Obligations of state and political subdivisions	95,374	2,946	(155)	98,165
Corporate obligations	12,643	103	(39)	12,707
Mortgage-backed securities in
government sponsored entities	23,635	305	(41)	23,899
Equity securities in financial institutions	1,319	448	(10)	1,757
Total available-for-sale securities	$ 295,983	$ 4,915	$ (268)	$ 300,630

December 31, 2014
Available-for-sale securities:
U.S. agency securities	$ 150,847	$ 638	$ (600)	$ 150,885
U.S. treasury securities	4,944	-	(95)	4,849
Obligations of state and political subdivisions	101,281	3,854	(99)	105,036
Corporate obligations	13,853	190	(85)	13,958
Mortgage-backed securities in
government sponsored entities	29,397	368	(37)	29,728
Equity securities in financial institutions	1,137	553	-	1,690
Total available-for-sale securities	$ 301,459	$ 5,603	$ (916)	$ 306,146

The following table shows the Company’s gross unrealized losses and fair value of the Company’s investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment category and length of time, which individual securities have been in a continuous unrealized loss position, at September 30, 2015 and December 31, 2014 (in thousands). As of September 30, 2015, the Company owned 46 securities whose fair value was less than their cost basis.

September 30, 2015	Less than Twelve Months		Twelve Months or Greater		Total
		Gross		Gross		Gross
	Fair	Unrealized	Fair	Unrealized	Fair	Unrealized
	Value	Losses	Value	Losses	Value	Losses
U.S. agency securities	$ 10,067	$ (16)	$ 10,986	$ (7)	$ 21,053	$ (23)
Obligations of state and political subdivisions	17,133	(104)	4,747	(51)	21,880	(155)
Corporate obligations	5,399	(23)	2,167	(16)	7,566	(39)
Mortgage-backed securities in
government sponsored entities	4,317	(31)	250	(10)	4,567	(41)
Equity securities in financial institutions	590	(10)	-	-	590	(10)
Total securities	$ 37,506	$ (184)	$ 18,150	$ (84)	$ 55,656	$ (268)

December 31, 2014
U.S. agency securities	$ 27,382	$ (110)	$ 43,642	$ (490)	$ 71,024	$ (600)
U.S. treasury securities	-	-	4,849	(95)	4,849	(95)
Obligations of state and political subdivisions	3,596	(19)	8,584	(80)	12,180	(99)
Corporate obligations	505	(1)	7,707	(84)	8,212	(85)
Mortgage-backed securities in
government sponsored entities	5,025	(4)	2,229	(33)	7,254	(37)
Total securities	$ 36,508	$ (134)	$ 67,011	$ (782)	$ 103,519	$ (916)

As of September 30, 2015, the Company’s investment securities portfolio contained unrealized losses on agency securities issued or backed by the full faith and credit of the United States government or are generally viewed as having the implied guarantee of the U.S. government, obligations of states and political subdivisions, corporate obligations, mortgage backed securities issued by government sponsored entities, and equity securities in financial institutions. For fixed maturity investments management considers whether the present value of cash flows expected to be collected are less than the security’s amortized cost basis (the difference defined as the credit loss), the magnitude and duration of the decline, the reasons underlying the decline and the Company’s intent to sell the security or whether it is more likely than not that the Company would be required to sell the security before its anticipated recovery in market value, to determine whether the loss in value is other than temporary. Once a decline in value is determined to be other than temporary, if the Company does not intend to sell the security, and it is more likely than not that it will not be required to sell the security before recovery of the security’s amortized cost basis, the charge to earnings is limited to the amount of credit loss. Any remaining difference between fair value and amortized cost (the difference defined as the non-credit portion) is recognized in other comprehensive income, net of applicable taxes. Otherwise, the entire difference between fair value and amortized cost is charged to earnings. For equity securities where the fair value has been significantly below cost for one year, the Company’s policy is to recognize an impairment loss unless sufficient evidence is available that the decline is not other than temporary and a recovery period can be predicted. The Company has concluded that any impairment of its investment securities portfolio outlined in the above table is not other than temporary and is the result of interest rate changes, sector credit rating changes, or issuer-specific rating changes that are not expected to result in the non-collection of principal and interest during the period.

Proceeds from sales of securities available-for-sale for the nine months ended September 30, 2015 and 2014 were $18,393,000 and $17,338,000, respectively. For the three months ended September 30, 2015 and 2014, sales of available-for-sale securities were $5,187,000 for each period. The gross gains and losses were as follows (in thousands):

	Three Months Ended		Nine Months Ended
	September 30,		September 30,
	2015	2014	2015	2014
Gross gains	$ 129	$ 242	$ 441	$ 488
Gross losses	-	-	(11)	-
Net gains	$ 129	$ 242	$ 430	$ 488

Investment securities with an approximate carrying value of $182.7 million and $186.4 million at September 30, 2015 and December 31, 2014, respectively, were pledged to secure public funds and certain other deposits.

Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. The amortized cost and fair value of debt securities at September 30, 2015, by contractual maturity, are shown below (in thousands):

	Amortized
	Cost	Fair Value
Available-for-sale debt securities:
Due in one year or less	$ 6,593	$ 6,606
Due after one year through five years	161,984	163,761
Due after five years through ten years	44,998	46,018
Due after ten years	81,089	82,488
Total	$ 294,664	$ 298,873

Note 5 – Loans

The Company grants loans primarily to customers throughout North Central Pennsylvania and Southern New York. Although the Company had a diversified loan portfolio at September 30, 2015 and December 31, 2014, a substantial portion of its debtors’ ability to honor their contracts is dependent on the economic conditions within these regions. The following table summarizes the primary segments of the loan portfolio and how those segments are analyzed within the allowance for loan losses as of September 30, 2015 and December 31, 2014 (in thousands):

September 30, 2015	Total Loans	Individually evaluated for impairment	Collectively evaluated for impairment
Real estate loans:
Residential	$ 178,280	$ 330	$ 177,950
Commercial and agricultural	233,931	5,583	228,348
Construction	10,159	-	10,159
Consumer	8,473	-	8,473
Other commercial and agricultural loans	64,712	2,237	62,475
State and political subdivision loans	87,454	-	87,454
Total	583,009	$ 8,150	$ 574,859
Allowance for loan losses	7,045
Net loans	$ 575,964

December 31, 2014
Real estate loans:
Residential	$ 185,438	$ 316	$ 185,122
Commercial and agricultural	215,584	6,112	209,472
Construction	6,353	-	6,353
Consumer	8,497	-	8,497
Other commercial and agricultural loans	58,516	2,394	56,122
State and political subdivision loans	79,717	-	79,717
Total	554,105	$ 8,822	$ 545,283
Allowance for loan losses	6,815
Net loans	$ 547,290

The segments of the Company’s loan portfolio are disaggregated into classes to a level that allows management to monitor risk and performance. Residential real estate mortgages consist primarily of 15 to 30 year first mortgages on residential real estate, while residential real estate home equity loans are consumer purpose installment loans or lines of credit with terms of 15 years or less secured by a mortgage which is often a second lien on residential real estate. Commercial real estate loans are business purpose loans secured by a mortgage on commercial real estate. Agricultural real estate loans are loans secured by a mortgage on real estate used in agriculture production. Construction real estate loans are loans secured by residential or commercial real estate used during the construction phase of residential and commercial projects. Consumer loans are typically unsecured or primarily secured by assets other than real estate and overdraft lines of credit are typically secured by customer deposit accounts. Other commercial loans are loans for commercial purposes primarily secured by non-real estate collateral. Other agricultural loans are loans for agricultural purposes primarily secured by non-real estate collateral. State and political subdivision loans are loans to state and local municipalities for capital and operating expenses or tax free loans used to finance commercial development.

Management considers commercial loans, other agricultural loans, state and political subdivision loans, commercial real estate loans and agricultural real estate loans which are 90 days or more past due to be impaired. Management will also consider a loan impaired based on other factors it becomes aware of, including the customer’s results of operations and cash flows or if the loan is modified in a troubled debt restructuring. In addition, certain residential mortgages, home equity and consumer loans that are cross collateralized with commercial relationships that are determined to be impaired may also be classified as impaired. Impaired loans are analyzed to determine if it is probable that all amounts will not be collected according to the contractual terms of the loan agreement. If management determines that the value of the impaired loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allocation of the allowance for loan losses or a charge-off to the allowance for loan losses.

The following table includes the recorded investment and unpaid principal balances for impaired financing receivables by class, with the associated allowance amount, if applicable (in thousands):

		Recorded	Recorded
	Unpaid	Investment	Investment	Total
	Principal	With No	With	Recorded	Related
September 30, 2015	Balance	Allowance	Allowance	Investment	Allowance
Real estate loans:
Mortgages	$ 304	$ 119	$ 149	$ 268	$ 27
Home Equity	62	-	62	62	12
Commercial	7,965	5,314	99	5,413	34
Agricultural	170	170	-	170	-
Construction	-	-	-	-	-
Consumer	-	-	-	-	-
Other commercial loans	2,238	1,125	999	2,124	123
Other agricultural loans	113	113	-	113	-
State and political subdivision loans	-	-	-	-	-
Total	$ 10,852	$ 6,841	$ 1,309	$ 8,150	$ 196

December 31, 2014
Real estate loans:
Mortgages	$ 222	$ 125	$ 66	$ 191	$ 13
Home Equity	130	60	65	125	12
Commercial	8,433	5,708	404	6,112	72
Agricultural	-	-	-	-	-
Construction	-	-	-	-	-
Consumer	-	-	-	-	-
Other commercial loans	2,480	2,346	48	2,394	1
Other agricultural loans	-	-	-	-	-
State and political subdivision loans	-	-	-	-	-
Total	$ 11,265	$ 8,239	$ 583	$ 8,822	$ 98

The following tables includes the average balance of impaired financing receivables by class and the income recognized on impaired loans for the three and nine month periods ended September 30, 2015 and 2014(in thousands):

	For the Nine Months ended
	September 30, 2015			September 30, 2014
			Interest			Interest
	Average	Interest	Income	Average	Interest	Income
	Recorded	Income	Recognized	Recorded	Income	Recognized
	Investment	Recognized	Cash Basis	Investment	Recognized	Cash Basis
Real estate loans:
Mortgages	$ 239	$ 8	$ 5	$ 201	$ 7	$ -
Home Equity	97	3	-	131	3	-
Commercial	5,728	46	-	7,616	66	-
Agricultural	19	1	-	-	-	-
Construction	-	-	-	-	-	-
Consumer	-	-	-	13	-	-
Other commercial loans	2,488	64	4	1,982	61	-
Other agricultural loans	13	1	-	-	-	-
State and political subdivision loans	-	-	-	-	-	-
Total	$ 8,584	$ 123	$ 9	$ 9,943	$ 137	$ -

	For the Three Months Ended
	September 30, 2015			September 30, 2014
			Interest			Interest
	Average	Interest	Income	Average	Interest	Income
	Recorded	Income	Recognized	Recorded	Income	Recognized
	Investment	Recognized	Cash Basis	Investment	Recognized	Cash Basis
Real estate loans:
Mortgages	$ 269	$ 4	$ -	$ 197	$ 3	$ -
Home Equity	62	1	-	130	1	-
Commercial	5,462	14	-	6,770	22	-
Agricultural	57	1	-	-	-	-
Construction	-	-	-	-	-	-
Consumer	-	-	-	10	-	-
Other commercial loans	2,107	15	1	1,943	15	-
Other agricultural loans	38	1	-	-	-	-
State and political subdivision loans	-	-	-	-	-	-
Total	$ 7,995	$ 36	$ 1	$ 9,050	$ 41	$ -

Credit Quality Information

For commercial real estate, agricultural real estate, construction, other commercial, other agricultural and state and political subdivision loans, management uses a nine grade internal risk rating system to monitor credit quality. The first five categories are considered not criticized and are aggregated as “Pass” rated. The criticized rating categories utilized by management generally follow bank regulatory definitions. The definitions of each rating are defined below:

·	Pass (Grades 1-5) – These loans are to customers with credit quality ranging from an acceptable to very high quality and are protected by the current net worth and paying capacity of the obligor or by the value of the underlying collateral.

·	Special Mention (Grade 6) – This loan grade is in accordance with regulatory guidance and includes loans where a potential weakness or risk exists, which could cause a more serious problem if not corrected.

·	Substandard (Grade 7) – This loan grade is in accordance with regulatory guidance and includes loans that have a well-defined weakness based on objective evidence and be characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.

·	Doubtful (Grade 8) – This loan grade is in accordance with regulatory guidance and includes loans that have all the weaknesses inherent in a substandard asset. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances.

·	Loss (Grade 9) – This loan grade is in accordance with regulatory guidance and includes loans that are considered uncollectible, or of such value that continuance as an asset is not warranted.

To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay the loan as agreed, the Company’s loan rating process includes several layers of internal and external oversight. The Company’s loan officers are responsible for the timely and accurate risk rating of the loans in each of their portfolios at origination and on an ongoing basis under the supervision of management. All commercial and agricultural loans are reviewed annually to ensure the appropriateness of the loan grade. In addition, the Company engages an external consultant on at least an annual basis to 1) review a minimum of 55% of the dollar volume of the commercial loan portfolio on an annual basis, 2) review new loans originated for over $1.0 million in the last year, 3) review a majority of borrowers with commitments greater than or equal to $1.0 million, 4) review selected loan relationships over $750,000 which are over 30 days past due, classified Special Mention, Substandard, Doubtful, or Loss, and 5) such other loans which management or the consultant deems appropriate.

The following tables represent credit exposures by internally assigned grades as of September 30, 2015 and December 31, 2014 (in thousands):

September 30, 2015	Pass	Special Mention	Substandard	Doubtful	Loss	Ending Balance
Real estate loans:
Commercial	$ 181,306	$ 3,860	$ 12,575	$ 34	$ -	$ 197,775
Agricultural	32,326	3,302	528	-	-	36,156
Construction	10,123	36	-	-	-	10,159
Other commercial loans	46,435	480	5,140	140	-	52,195
Other agricultural loans	11,756	648	113	-	-	12,517
State and political
subdivision loans	87,454	-	-	-	-	87,454
Total	$ 369,400	$ 8,326	$ 18,356	$ 174	$ -	$ 396,256

December 31, 2014
Real estate loans:
Commercial	$ 169,383	$ 8,948	$ 12,614	$ -	$ -	$ 190,945
Agricultural	19,575	3,394	1,670	-	-	24,639
Construction	6,353	-	-	-	-	6,353
Other commercial loans	40,683	4,413	2,355	-	-	47,451
Other agricultural loans	9,221	727	1,117	-	-	11,065
State and political
subdivision loans	79,717	-	-	-	-	79,717
Total	$ 324,932	$ 17,482	$ 17,756	$ -	$ -	$ 360,170

For residential real estate mortgages, home equity and consumer loans, credit quality is monitored based on whether the loan is performing or non-performing, which is typically based on the aging status of the loan and payment activity, unless a specific action, such as bankruptcy, repossession, death or significant delay in payment occurs to raise awareness of a possible credit event. Non-performing loans include those loans that are considered nonaccrual, described in more detail below, and all loans past due 90 or more days and still accruing. The following table presents the recorded investment in those loan classes based on payment activity as of September 30, 2015 and December 31, 2014 (in thousands):

September 30, 2015	Performing	Non-performing	Total
Real estate loans:
Mortgages	$ 117,363	$ 1,032	$ 118,395
Home Equity	59,714	171	59,885
Consumer	8,421	52	8,473
Total	$ 185,498	$ 1,255	$ 186,753

December 31, 2014	Performing	Non-performing	Total
Real estate loans:
Mortgages	$ 121,968	$ 890	$ 122,858
Home Equity	62,296	284	62,580
Consumer	8,444	53	8,497
Total	$ 192,708	$ 1,227	$ 193,935

Aging Analysis of Past Due Financing Receivables

Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following table includes an aging analysis of the recorded investment of past due financing receivables as of September 30, 2015 and December 31, 2014 (in thousands):

								90 Days or
		30-59 Days	60-89 Days	90 Days	Total Past		Total Financing	Greater and
September 30, 2015		Past Due	Past Due	Or Greater	Due	Current	Receivables	Accruing
Real estate loans:
Mortgages		$ 388	$ 133	$ 663	$ 1,184	$ 117,211	$ 118,395	$ 303
Home Equity		521	21	158	700	59,185	59,885	106
Commercial		302	130	4,138	4,570	193,205	197,775	60
Agricultural		38	170	-	208	35,948	36,156	-
Construction		-	-	-	-	10,159	10,159	-
Consumer		41	29	24	94	8,379	8,473	-
Other commercial loans		528	30	756	1,314	50,881	52,195	199
Other agricultural loans		30	168	-	198	12,319	12,517	-
State and political subdivision loans		-	-	-	-	87,454	87,454	-
	Total	$ 1,848	$ 681	$ 5,739	$ 8,268	$ 574,741	$ 583,009	$ 668
Loans considered non-accrual		$ 319	$ 204	$ 5,071	$ 5,594	$ 725	$ 6,319
Loans still accruing		1,529	477	668	2,674	574,016	576,690
	Total	$ 1,848	$ 681	$ 5,739	$ 8,268	$ 574,741	$ 583,009

December 31, 2014
Real estate loans:
Mortgages		$ 318	$ 230	$ 675	$ 1,223	$ 121,635	$ 122,858	$ 214
Home Equity		442	99	260	801	61,779	62,580	132
Commercial		97	231	1,432	1,760	189,185	190,945	310
Agricultural		-	-	-	-	24,639	24,639	-
Construction		-	-	-	-	6,353	6,353	-
Consumer		119	4	7	130	8,367	8,497	6
Other commercial loans		503	258	476	1,237	46,214	47,451	174
Other agricultural loans		-	-	-	-	11,065	11,065	-
State and political subdivision loans		-	-	-	-	79,717	79,717	-
	Total	$ 1,479	$ 822	$ 2,850	$ 5,151	$ 548,954	$ 554,105	$ 836
Loans considered non-accrual		$ 48	$ 181	$ 2,014	$ 2,243	$ 4,356	$ 6,599
Loans still accruing		1,431	641	836	2,908	544,598	547,506
	Total	$ 1,479	$ 822	$ 2,850	$ 5,151	$ 548,954	$ 554,105

Nonaccrual Loans

Loans are considered for non-accrual status upon reaching 90 days delinquency, although the Company may be receiving partial payments of interest and partial repayments of principal on such loans or if full payment of principal and interest is not expected. Additionally, if management is made aware of other information including bankruptcy, repossession, death, or legal proceedings, the loan may be placed on non-accrual status. If a loan is 90 days or more past due and is well secured and in the process of collection, it may still be considered accruing.

The following table reflects the financing receivables on non-accrual status as of September 30, 2015 and December 31, 2014, respectively. The balances are presented by class of financing receivable (in thousands):

	September 30, 2015	December 31, 2014
Real estate loans:
Mortgages	$ 729	$ 676
Home Equity	65	152
Commercial	4,441	5,010
Agricultural	-	-
Construction	-	-
Consumer	52	47
Other commercial loans	1,032	714
Other agricultural loans	-	-
State and political subdivision loans	-	-
	$ 6,319	$ 6,599

Troubled Debt Restructurings

In situations where, for economic or legal reasons related to a borrower's financial difficulties, management may grant a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a Troubled Debt Restructuring (TDR). Management strives to identify borrowers in financial difficulty early and work with them to modify more affordable terms before their loan reaches nonaccrual status. These modified terms may include rate reductions, principal forgiveness, payment forbearance and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. In cases where borrowers are granted new terms that provide for a reduction of interest or principal, or both, management measures any impairment on the restructuring by calculating the present value of the revised loan terms and comparing this balance to the Company’s investment in the loan prior to the restructuring. As these loans are individually evaluated, they are excluded from pooled portfolios when calculating the allowance for loan and lease losses and a separate allocation within the allowance for loan and lease losses is provided. Management continually evaluates loans that are considered TDRs, including payment history under the modified loan terms, the borrower’s ability to continue to repay the loan based on continued evaluation of their operating results and cash flows from operations. Based on this evaluation management would no longer consider a loan to be a TDR when the relevant facts support such a conclusion. As of September 30, 2015 and December 31, 2014, included within the allowance for loan losses are reserves of $39,000 and $26,000 respectively, that are associated with loans modified as TDRs.

There were no loan modifications that were considered TDRs during the three months ended September 30, 2015 or 2014. Loan modifications that are considered TDRs completed during the nine months ended September 30, 2015 and 2014 were as follows (dollars in thousands):

	For the Nine Months Ended September 30, 2015
	Number of contracts		Pre-modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
	Interest Modification	Term Modification	Interest Modification	Term Modification	Interest Modification	Term Modification
Real estate loans:
Mortgages	1	1	$ 71	$ 19	$ 71	$ 19
Total	1	1	$ 71	$ 19	$ 71	$ 19

	For the Nine Months Ended September 30, 2014
	Number of contracts		Pre-modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
	Interest Modification	Term Modification	Interest Modification	Term Modification	Interest Modification	Term Modification
Real estate loans:
Commercial	-	2	$ -	$ 153	$ -	$ 153
Total	-	2	$ -	$ 153	$ -	$ 153

Recidivism, or the borrower defaulting on its obligation pursuant to a modified loan, results in the loan once again becoming a non-accrual loan. Recidivism occurs at a notably higher rate than do defaults on new origination loans, so modified loans present a higher risk of loss than do new origination loans. The following table presents the recorded investment in loans that were modified as TDRs during each 12-month period prior to the current reporting periods, which begin January 1, 2015 and 2014 (nine month periods) and July 1, 2015 and 2014 (3 month periods), respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):

	For the Three Months Ended				For the Nine Months Ended
	September 30, 2015		September 30, 2014		September 30, 2015		September 30, 2014
	Number of contracts	Recorded investment	Number of contracts	Recorded investment	Number of contracts	Recorded investment	Number of contracts	Recorded investment
Real estate loans:
Commercial	-	$ -	-	$ -	-	$ -	1	$ 483
Total recidivism	-	$ -	-	$ -	-	$ -	1	$ 483

Allowance for Loan Losses

The following table segregates the allowance for loan losses (ALLL) into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of September 30, 2015 and December 31, 2014, respectively (in thousands):

	September 30, 2015			December 31, 2014
	Individually evaluated for impairment	Collectively evaluated for impairment	Total	Individually evaluated for impairment	Collectively evaluated for impairment	Total
Real estate loans:
Residential	$ 39	$ 874	$ 913	$ 25	$ 853	$ 878
Commercial and agricultural	34	3,769	3,803	72	3,798	3,870
Construction	-	17	17	-	26	26
Consumer	-	91	91	-	84	84
Other commercial and agricultural loans	123	1,322	1,445	1	1,223	1,224
State and political subdivision loans	-	586	586	-	545	545
Unallocated	-	190	190	-	188	188
Total	$ 196	$ 6,849	$ 7,045	$ 98	$ 6,717	$ 6,815

The following tables roll forward the balance of the ALLL by portfolio segment for the three and nine month periods ended September 30, 2015 and 2014, respectively (in thousands):

	Balance at June 30, 2015	Charge-offs	Recoveries	Provision	Balance at September 30, 2015
Real estate loans:
Residential	$ 931	$ -	$ -	$ (18)	$ 913
Commercial and agricultural	3,679	-	4	120	3,803
Construction	14	-	-	3	17
Consumer	89	(11)	13	-	91
Other commercial and agricultural loans	1,502	(40)	-	(17)	1,445
State and political subdivision loans	568	-	-	18	586
Unallocated	176	-	-	14	190
Total	$ 6,959	$ (51)	$ 17	$ 120	$ 7,045

	Balance at December 31, 2014	Charge-offs	Recoveries	Provision	Balance at September 30, 2015
Real estate loans:
Residential	$ 878	$ (34)	$ -	$ 69	$ 913
Commercial and agricultural	3,870	(56)	11	(22)	3,803
Construction	26	-	-	(9)	17
Consumer	84	(35)	25	17	91
Other commercial and agricultural loans	1,224	(41)	-	262	1,445
State and political subdivision loans	545	-	-	41	586
Unallocated	188	-	-	2	190
Total	$ 6,815	$ (166)	$ 36	$ 360	$ 7,045

	Balance at June 30, 2014	Charge-offs	Recoveries	Provision	Balance at September 30, 2014
Real estate loans:
Residential	$ 879	$ -	$ -	$ 7	$ 886
Commercial and agricultural	3,809	(11)	4	(99)	3,703
Construction	13	-	-	10	23
Consumer	86	(26)	6	20	86
Commercial and other loans	1,151	(58)	-	70	1,163
State and political subdivision loans	455	-	-	(5)	450
Unallocated	358	-	-	147	505
Total	$ 6,751	$ (95)	$ 10	$ 150	$ 6,816

	Balance at December 31, 2013	Charge-offs	Recoveries	Provision	Balance at September 30, 2014
Real estate loans:
Residential	$ 946	$ (45)	$ -	$ (15)	$ 886
Commercial and agricultural	4,558	(486)	9	(378)	3,703
Construction	50	-	-	(27)	23
Consumer	105	(40)	21	-	86
Commercial and other loans	942	(221)	-	442	1,163
State and political subdivision loans	330	-	-	120	450
Unallocated	167	-	-	338	505
Total	$ 7,098	$ (792)	$ 30	$ 480	$ 6,816

The Company allocates the ALLL based on the factors described below, which conform to the Company’s loan classification policy and credit quality measurements. In reviewing risk within the Company’s loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The ALLL consists of amounts applicable to: (i) residential real estate loans; (ii) residential real estate home equity loans; (iii) commercial real estate loans; (iv) agricultural real estate loans; (v) real estate construction loans; (vi) other commercial and agricultural loans; (vii) consumer loans; (viii) other agricultural loans and (ix) state and political subdivision loans. Factors considered in this process include general loan terms, collateral, and availability of historical data to support the analysis. Historical loss percentages are calculated and used as the basis for calculating allowance allocations. Certain qualitative factors are evaluated to determine additional inherent risks in the loan portfolio, which are not necessarily reflected in the historical loss percentages. These factors are then added to the historical allocation percentage to get the adjusted factor to be applied to non-classified loans. The following qualitative factors are analyzed:

·	Level of and trends in delinquencies and impaired/classified loans

Change in volume and severity of past due loans

Volume of non-accrual loans

Volume and severity of classified, adversely or graded loans;

·	Level of and trends in charge-offs and recoveries;

·	Trends in volume, terms and nature of the loan portfolio;

·	Effects of any changes in risk selection and underwriting standards and any other changes in lending and recovery policies, procedures and practices;

·	Changes in the quality of the Company’s loan review system;

·	Experience, ability and depth of lending management and other relevant staff;

·	National, state, regional and local economic trends and business conditions

General economic conditions

Unemployment rates

Inflation rate/ Consumer Price Index

Changes in values of underlying collateral for collateral-dependent loans;

·	Industry conditions including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses; and

·	Existence and effect of any credit concentrations, and changes in the level of such concentrations; and

·	Any change in the level of board oversight.

The Company also maintains an unallocated allowance to account for any factors or conditions that may cause a potential loss but are not specifically addressed in the process described above. The Company analyzes its loan portfolio each quarter to determine the appropriateness of its ALLL.

Loans determined to be TDRs are impaired and for purposes of estimating the ALLL must be individually evaluated for impairment. In calculating the impairment, the Company calculates the present value utilizing an analysis of discounted cash flows. If the present value calculated is below the recorded investment of the loan, impairment is recognized by a charge to the provision for loan and lease losses and a credit to the ALLL.

We continually review the model utilized in calculating the required ALLL. The following qualitative factors experienced changes during the first nine months of 2015:

·	The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all loan categories due to an increase in the unemployment rates in the local economy during the first nine months of 2015.

The qualitative factors for changes in levels of and trends in delinquencies and impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the amount of loans classified as substandard. While there has been an increase in delinquencies of commercial and agricultural real estate loans, the qualitative factor was not increased. The increase in delinquencies is attributable to one relationship, which is classified as impaired and management does not believe that this delinquency is a reflection of a further decrease in the credit quality of the commercial and agricultural real estate loan portfolio.

·	The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial and agricultural loans due to an increase in the amount of loans classified as substandard.

·	The qualitative factor for levels of and trends in charge-offs and recoveries was decreased for commercial and agricultural real estate and other commercial and agricultural loans due to the decrease in charge-offs compared to the prior year as charge-offs returned to historical norms for the Bank.

The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for commercial real estate, agricultural real estate, other commercial and other agricultural loans due to the length of time employees involved throughout the loan process have been in their positions.

The qualitative factor for industry conditions, including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses was increased for commercial and agricultural related loans due to the decrease in the price received for product sold and the increase in feed costs that has occurred in 2015, which negatively affected customer earnings.

·	The qualitative factor for levels of and trends in charge-offs and recoveries was increased for residential real estate loans due to the increase in charge-offs compared to historical norms for the Company.

·	The qualitative factors for changes in levels of and trends in delinquencies and impaired/classified loans was increased for residential mortgages due to increases in the amount of non-performing loans.

The following qualitative factors experienced changes during the three months ended September 30, 2015:

·	The qualitative factors for changes in levels of and trends in delinquencies and impaired/classified loans were increased for other agricultural loans due to an increase in the amount of classified loans.

·	The qualitative factor for levels of and trends in charge-offs and recoveries was increased for other commercial loans due to the increase in charge-offs during the quarter.

The primary factor that resulted in negative provision for commercial and agricultural loans for the nine month period ended September 30, 2015 was the reduction in the amount of special mention and substandard loans since December 31, 2014.

The following qualitative factors experienced changes during the first nine months of 2014:

·	The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for all loan categories due to a decrease in the unemployment rates in the local and state economy.

·	The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial loans due to an increase in classified loans during 2014.

·	The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial real estate and other commercial loans due to the increase in charge-offs compared to historical norms for the Bank.

·	The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for all loan categories due to the length of time employees involved throughout the loan process have been in their positions.

·	The qualitative factor for industry conditions, including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses was decreased for agricultural related loans due to the improvement in the agricultural economy during 2014.

The following qualitative factors experienced changes during the three months ended September 30, 2014:

·	The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial real estate and other commercial loans due to the increase in charge-offs compared to historical norms for the Bank.

·	The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for other commercial loans real estate due to the decrease in the amount of loans past due as of September 30, 2014.

·	The qualitative factor for industry conditions, including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses was decreased for agricultural related loans due to the improvement in the agricultural economy during 2014.

The primary factor that resulted in negative provisions for certain portfolio segments for the three and nine month periods in 2014 was due to decreases in the outstanding balances for certain portfolio segments compared to December 31, 2013, a reduction in the amount of substandard loans and the decrease in the qualitative factor associated with the improvement in unemployment rates noted above.

Foreclosed Assets Held For Sale

Foreclosed assets acquired in settlement of loans are carried at fair value, less estimated costs to sell, and are included in other assets on the Consolidated Balance Sheet. As of September 30, 2015 and December 31, 2014 included with other assets are $1,429,000 and $1,792,000, respectively, of foreclosed assets. As of September 30, 2015, included within the foreclosed assets is $305,000 of consumer residential mortgages that were foreclosed on or received via a deed in lieu transaction prior to the period end. As of September 30, 2015, the Company has initiated formal foreclosure proceedings on $1,256,000 of consumer residential mortgages, which have not yet been transferred into foreclosed assets.

Note 6 – Federal Home Loan Bank Stock

The Bank is a member of the FHLB of Pittsburgh and, as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. As of September 30, 2015 and December 31, 2014, the Bank’s investment in FHLB stock was $1,708,000 and $1,761,000, respectively. The stock does not have a readily determinable fair value and, as such, is classified as restricted stock, carried at cost and evaluated by management. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) a significant decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) the impact of legislative and regulatory changes on the customer base of the FHLB and (d) the liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein. Management considered that the FHLB’s regulatory capital ratios have improved, liquidity appears adequate, new shares of FHLB stock continue to exchange hands at the $100 par value and the FHLB has repurchased shares of excess capital stock from its members and has paid a quarterly cash dividend.

Note 7 – Repurchase Agreements

We utilize securities sold under agreements to repurchase to facilitate the needs of our customers and to facilitate secured short-term funding needs. Securities sold under agreements to repurchase are stated at the amount of cash received in connection with the transaction. We monitor collateral levels on a continuous basis. We may be required to provide additional collateral based on the fair value of the underlying securities. Securities pledged as collateral under repurchase agreements are maintained with our safekeeping agents.

The remaining contractual maturity of repurchase agreements in the Consolidated Balance Sheets as of September 30, 2015 and December 31, 2014 is presented in the following tables.

	Remaining Contractual Maturity of the Agreements
	Overnight and	Up to		Greater than
September 30, 2015	Continuous	30 Days	30 - 90 Days	90 days	Total
Repurchase Agreements:
U.S. agency securities	$ 6,112,000	$ -	$ -	$ 2,070,000	$ -
Total carrying value of collateral pledged	$ 6,112,000	$ -	$ -	$ 2,070,000	$ 8,182,000

Total liability recognized for repurchase agreements					$ 5,728,000


	Remaining Contractual Maturity of the Agreements
	Overnight and	Up to		Greater than
December 31, 2014	Continuous	30 Days	30 - 90 Days	90 days	Total
Repurchase Agreements:
U.S. agency securities	$ 10,368,000	$ 1,015,000	$ -	$ 2,940,000	$ -
Total carrying value of collateral pledged	$ 10,368,000	$ 1,015,000	$ -	$ 2,940,000	$ 14,323,000

Total liability recognized for repurchase agreements					$ 5,906,000

Note 8 - Employee Benefit Plans

For additional detailed disclosure on the Company's pension and employee benefits plans, please refer to Note 11 of the Company's Consolidated Financial Statements included in the 2014 Annual Report on Form 10-K.

Noncontributory Defined Benefit Pension Plan

The Bank sponsors a noncontributory defined benefit pension plan (“Pension Plan”) covering substantially all employees and officers that were hired prior to January 1, 2007. The Bank’s funding policy is to make annual contributions, if needed, based upon the funding formula developed by the plan’s actuary. Any employee with a hire date of January 1, 2007 or later is not eligible to participate in the Pension Plan. In lieu of the Pension Plan, employees with a hire date of January 1, 2007 or later are eligible to receive, after meeting certain length of service requirements, an annual discretionary 401(k) plan contribution from the Bank equal to a percentage of an employee’s base compensation. The contribution amount, if any, is placed in a separate account within the 401(k) plan and is subject to a vesting requirement.

For employees who are eligible to participate in the Pension Plan, the Pension Plan requires benefits to be paid to eligible employees based primarily upon age and compensation rates during employment. Upon retirement or other termination of employment, employees can elect either an annuity benefit or a lump sum distribution of vested benefits in the Pension Plan.

The following sets forth the components of net periodic benefit costs of the Pension Plan for the three and nine months ended September 30, 2015 and 2014, respectively (in thousands):

	Three Months Ended		Nine Months Ended
	September 30,		September 30,
	2015	2014	2015	2014
Service cost	$ 110	$ 77	$ 242	$ 230
Interest cost	128	104	281	311
Expected return on plan assets	(243)	(197)	(533)	(590)
Net amortization and deferral	65	13	141	38
Net periodic benefit cost	$ 60	$ (3)	$ 131	$ (11)

The Company has contributed $400,000 to the Pension Plan in 2015.

Defined Contribution Plan

The Company sponsors a voluntary 401(k) savings plan which eligible employees can elect to contribute up to the maximum amount allowable not to exceed the limits of IRS Code Sections 401(k). Under the plan, the Company also makes required contributions on behalf of the eligible employees. The Company’s contributions vest immediately. Contributions by the Company totaled $215,000 and $201,000 for the nine months ended September 30, 2015 and 2014, respectively. For the three months ended September 30, 2015 and 2014, contributions by the Company totaled $60,000 and $55,000, respectively.

Directors’ Deferred Compensation Plan

The Company’s directors may elect to defer all or portions of their fees until their retirement or termination from service. Amounts deferred under the plan earn interest based upon the highest current rate offered to certificate of deposit customers. Amounts deferred under the plan are not guaranteed and represent a general liability of the Company. At September 30, 2015 and December 31, 2014, an obligation of $952,000 and $969,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet. Amounts included in interest expense on the deferred amounts totaled $5,000 and $4,000 for each of the three months ended September 30, 2015 and 2014. For the nine months ended September 30, 2015 and 2014, amounts included in interest expense on the deferred amounts totaled $17,000 and $15,000, respectively.

Restricted Stock Plan

The Company maintains a Restricted Stock Plan (the “Plan”) whereby employees and non-employee corporate directors are eligible to receive awards of restricted stock based upon performance related requirements. Awards granted under the Plan are in the form of the Company’s common stock and are subject to certain vesting requirements including continuous employment or service with the Company. A total of 100,000 shares of the Company’s common stock have been authorized under the Plan, which terminates in April 2016. As of September 30, 2015, 60,662 shares remain available to be issued under the Plan. The Plan assists the Company in attracting, retaining and motivating employees to make substantial contributions to the success of the Company and to increase the emphasis on the use of equity as a key component of compensation.

The following table details the vesting, awarding and forfeiting of restricted shares during 2015 and 2014:

	Three months ended September 30,				Nine months ended September 30,
	2015		2014		2015		2014
		Weighted		Weighted		Weighted		Weighted
	Unvested	Average	Unvested	Average	Unvested	Average	Unvested	Average
	Shares	Market Price	Shares	Market Price	Shares	Market Price	Shares	Market Price
Outstanding, beginning of period	7,018	$ 50.63	7,187	$ 48.28	6,971	$ 48.55	7,172	$ 42.02
Granted	-	-	-	-	3,496	50.02	3,598	52.82
Forfeited	(139)	51.49	(7)	37.10	(139)	51.49	(7)	37.10
Vested	-	-	-	-	(3,449)	45.80	(3,583)	40.30
Outstanding, end of period	6,879	$ 50.61	7,180	$ 48.29	6,879	$ 50.61	7,180	$ 48.29

Compensation cost related to restricted stock is recognized based on the market price of the stock at the grant date over the vesting period. Compensation expense related to restricted stock was $129,000 and $115,000 for the nine months ended September 30, 2015 and 2014, respectively. For the three months ended September 30, 2015 and 2014, compensation expense totaled $44,000 and $42,000, respectively. At September 30, 2015 the total compensation cost related to nonvested awards that has not yet been recognized was $349,000, which is expected to be recognized over the next 2.58 years.

Supplemental Executive Retirement Plan

The Company maintains a non-qualified supplemental executive retirement plan (“SERP”) for certain executives to compensate those executive participants in the Company’s noncontributory defined benefit pension plan whose benefits are limited by compensation limitations under current tax law. At September 30, 2015 and December 31, 2014, an obligation of $1,304,000 and $1,198,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet. Expenses related to this plan totaled $106,000 and $114,000 for the nine months ended September 30, 2015 and 2014, respectively. For the three months ended September 30, 2015 and 2014, expenses totaled $35,000 and $38,000, respectively.

Note 9 – Accumulated Comprehensive Income

The following tables present the changes in accumulated other comprehensive income by component net of tax for the three and nine months ended September 30, 2015 and 2014 (in thousands):

	Three months ended September 30, 2015
	Unrealized gain (loss) on available for sale securities (a)	Defined Benefit Pension Items (a)	Total
Balance as of June 30, 2015	$ 2,430	$ (2,259)	$ 171
Other comprehensive income (loss) before reclassifications, net of tax	722	-	722
Amounts reclassified from accumulated other
comprehensive income (loss), net of tax	(85)	34	(51)
Net current period other comprehensive income	637	34	671
Balance as of September 30, 2015	$ 3,067	$ (2,225)	$ 842

	Nine months ended September 30, 2015
	Unrealized gain (loss) on available for sale securities (a)	Defined Benefit Pension Items (a)	Total
Balance as of December 31, 2014	$ 3,093	$ (2,326)	$ 767
Other comprehensive income (loss) before reclassifications, net of tax	258	-	258
Amounts reclassified from accumulated other
comprehensive income (loss), net of tax	(284)	101	(183)
Net current period other comprehensive income (loss)	(26)	101	75
Balance as of September 30, 2015	$ 3,067	$ (2,225)	$ 842

	Three months ended September 30, 2014
	Unrealized gain (loss) on available for sale securities (a)	Defined Benefit Pension Items (a)	Total
Balance as of June 30, 2014	$ 2,201	$ (1,101)	$ 1,100
Other comprehensive income (loss) before reclassifications, net of tax	564	-	564
Amounts reclassified from accumulated other
comprehensive income (loss), net of tax	(160)	9	(151)
Net current period other comprehensive income	404	9	413
Balance as of September 30, 2014	$ 2,605	$ (1,092)	$ 1,513


	Nine months ended September 30, 2014
	Unrealized gain (loss) on available for sale securities (a)	Defined Benefit Pension Items (a)	Total
Balance as of December 31, 2013	$ (108)	$ (1,117)	$ (1,225)
Other comprehensive income (loss) before reclassifications, net of tax	3,035	-	3,035
Amounts reclassified from accumulated other
comprehensive income (loss), net of tax	(322)	25	(297)
Net current period other comprehensive income	2,713	25	2,738
Balance as of September 30, 2014	$ 2,605	$ (1,092)	$ 1,513

(a) Amounts in parentheses indicate debits to the Consolidated Balance Sheet

The following table presents the significant amounts reclassified out of each component of accumulated other comprehensive income for the three and nine months ended September 30, 2015 and 2014 (in thousands):

Details about accumulated other comprehensive income (loss)	Amount reclassified from accumulated comprehensive income (loss) (a)		Affected line item in the income statement where net Income is presented
	Three Months Ended September 30,
	2015	2014
Unrealized gains and losses on available for sale securities
	$ 129	$ 242	Investment securities gains, net
	(44)	(82)	Provision for income taxes
	$ 85	$ 160	Net of tax
Defined benefit pension items
	$ (51)	$ (13)	Salaries and employee benefits
	17	4	Provision for income taxes
	$ (34)	$ (9)	Net of tax
Total reclassifications	$ 51	$ 151

	Nine Months Ended September 30,
	2015	2014
Unrealized gains and losses on available for sale securities
	$ 430	$ 488	Investment securities gains, net
	(146)	(166)	Provision for income taxes
	$ 284	$ 322	Net of tax
Defined benefit pension items
	$ (153)	$ (38)	Salaries and employee benefits
	52	13	Provision for income taxes
	$ (101)	$ (25)	Net of tax
Total reclassifications	$ 183	$ 297

(a) Amounts in parentheses indicate expenses and other amounts indicate income

Note 10 – Fair Value Measurements

The Company established a hierarchal disclosure framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined by this hierarchy are as follows:

Level I:

Quoted prices are available in active markets for identical assets or liabilities as of the reported date.

Level II:

Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities include items for which quoted prices are available but traded less frequently, and items that are fair valued using other financial instruments, the parameters of which can be directly observed.

Level III:

Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.

A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below.

In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality, the Company's creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. Our valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Transfers between levels of the fair value hierarchy are recognized on the actual date of the event or circumstances that caused the transfer, which generally coincides with the Company’s monthly and/or quarterly valuation process.

Financial Instruments Recorded at Fair Value on a Recurring Basis

The fair values of securities available for sale are determined by quoted prices in active markets, when available, and classified as Level I. If quoted market prices are not available, the fair value is determined by a matrix pricing, which is a mathematical technique, widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities and classified as Level II. The fair values consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things.

The following tables present the assets and liabilities reported on the Consolidated Balance Sheet at their fair value on a recurring basis as of September 30, 2015 and December 31, 2014 by level within the fair value hierarchy (in thousands). Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.

September 30, 2015	Level I	Level II	Level III	Total
Assets
Securities available for sale:
U.S. Agency securities	$ -	$ 164,102	$ -	$ 164,102
Obligations of state and
political subdivisions	-	98,165	-	98,165
Corporate obligations	-	12,707	-	12,707
Mortgage-backed securities in
government sponsored entities	-	23,899	-	23,899
Equity securities in financial
institutions	1,757	-	-	1,757

December 31, 2014	Level I	Level II	Level III	Total
Securities available for sale:
U.S. agency securities	$ -	$ 150,885	$ -	$ 150,885
U.S. treasuries securities	-	4,849	-	4,849
Obligations of state and
political subdivisions	-	105,036	-	105,036
Corporate obligations	-	13,958	-	13,958
Mortgage-backed securities in
government sponsored entities	-	29,728	-	29,728
Equity securities in financial
institutions	1,690	-	-	1,690

Financial Instruments, Non-Financial Assets and Non-Financial Liabilities Recorded at Fair Value on a Nonrecurring Basis

The Company may be required, from time to time, to measure certain financial assets, financial liabilities, non-financial assets and non-financial liabilities at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles. These include assets that are measured at the lower of cost or market value that were recognized at fair value below cost at the end of the period. Certain non-financial assets measured at fair value on a non-recurring basis include foreclosed assets (upon initial recognition or subsequent impairment).

Non-financial assets measured at fair value on a non-recurring basis during 2015 and 2014 include certain foreclosed assets which, upon initial recognition, were remeasured and reported at fair value through a charge-off to the allowance for possible loan losses and certain foreclosed assets which, subsequent to their initial recognition, were remeasured at fair value through a write-down included in other non-interest expense.

Impaired Loans - Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment using one of several methods, including collateral value, liquidation value and discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. Collateral values are estimated using Level II inputs based on observable market data and Level III inputs based on customized discounting criteria. For a majority of impaired real estate related loans, the Company obtains a current external appraisal. Other valuation techniques are used as well, including internal valuations, comparable property analysis and contractual sales information.

Other Real Estate owned – Other real estate owned, which is obtained through the Bank’s foreclosure process, is valued utilizing the appraised collateral value. Collateral values are estimated using Level II inputs based on observable market data and Level III inputs based on customized discounting criteria. At the time the foreclosure is completed, the Company obtains an updated external appraisal.

Assets measured at fair value on a nonrecurring basis as of September 30, 2015 and December 31, 2014 are included in the table below (in thousands):

September 30, 2015	Level I	Level II	Level III	Total
Impaired Loans	$ -	$ -	$ 7,954	$ 7,954
Other real estate owned	-	-	1,429	1,429

December 31, 2014
Impaired Loans	$ -	$ -	$ 8,724	$ 8,724
Other real estate owned	-	-	1,792	1,792

The following table provides a listing of the significant unobservable inputs used in the fair value measurement process for items valued utilizing level III techniques (dollars in thousands).

September 30, 2015	Fair Value	Valuation Technique(s)	Unobservable input	Range	Weighted average
Impaired Loans	$ 206	Discounted Cash Flows	Discount in interest rates	0-5.5%	3.19%

	7,748	Appraised Collateral Values	Discount for time since appraisal	0-30%	16.66%
			Selling costs	5%-10%	13.25%
			Holding period	0 - 18 months	12 months

Other real estate owned	1,429	Appraised Collateral Values	Discount for time since appraisal	0-20%	20%
			Selling costs	4%-10%	9%
			Holding period	0 - 18 months	12 months

December 31, 2014	Fair Value	Valuation Technique(s)	Unobservable input	Range
Impaired Loans	$ 230	Discounted Cash Flows	Discount in interest rates	0-5.5%	1.99%

	8,494	Appraised Collateral Values	Discount for time since appraisal	0-30%	22.00%
			Selling costs	4%-10%	8.55%
			Holding period	0 - 18 months	15 months

Other real estate owned	1,792	Appraised Collateral Values	Discount for time since appraisal	0-20%	20%
			Selling costs	4%-10%	9%
			Holding period	0 - 18 months	12 months

The fair values of the Company’s financial instruments are as follows (in thousands):

	Carrying
September 30, 2015	Amount	Fair Value	Level I	Level II	Level III
Financial assets:
Cash and due from banks	$ 10,314	$ 10,314	$ 10,314	$ -	$ -
Interest bearing time deposits with other banks	6,460	6,465	-	-	6,465
Available-for-sale securities	300,630	300,630	1,757	298,873
Loans held for sale	1,248	1,248	1,248
Net loans	575,964	605,361	-	-	605,361
Bank owned life insurance	20,773	20,773	20,773	-	-
Regulatory stock	1,983	1,983	1,983	-	-
Accrued interest receivable	3,566	3,566	3,566	-	-

Financial liabilities:
Deposits	$ 797,848	$ 799,026	$ 550,646	$ -	$ 248,380
Borrowed funds	44,657	41,978	12,882	-	29,096
Accrued interest payable	693	693	693	-	-

	Carrying
December 31, 2014	Amount	Fair Value	Level I	Level II	Level III
Financial assets:
Cash and due from banks	$ 11,423	$ 11,423	$ 11,423	$ -	$ -
Interest bearing time deposits with other banks	5,960	5,969	-	-	5,969
Available-for-sale securities	306,146	306,146	1,690	304,456	-
Loans held for sale	497	497	497
Net loans	547,290	564,944	-	-	564,944
Bank owned life insurance	20,309	20,309	20,309	-	-
Regulatory stock	2,035	2,035	2,035	-	-
Accrued interest receivable	3,644	3,644	3,644	-	-

Financial liabilities:
Deposits	$ 773,933	$ 774,387	$ 525,166	$ -	$ 249,221
Borrowed funds	41,799	38,219	16,593	-	21,626
Accrued interest payable	756	756	756	-	-

Fair value is determined based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions can significantly affect the estimates.

Fair values have been determined by the Company using historical data, as generally provided in the Company’s regulatory reports, and an estimation methodology suitable for each category of financial instruments. The Company’s fair value estimates, methods and assumptions are set forth below for the Company’s other financial instruments.

Cash and Cash Equivalents:

The carrying amounts for cash and cash equivalents approximate fair value because they have original maturities of 90 days or less and do not present unanticipated credit concerns.

Accrued Interest Receivable and Payable:

The carrying amounts for accrued interest receivable and payable approximate fair value because they are generally received or paid in 90 days or less and do not present unanticipated credit concerns.

Interest bearing time deposits with other banks:

The fair value of interest bearing time deposits with other banks is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.

Available-For-Sale Securities:

Loans held for sale:

The carrying amount for loans held for sale approximates fair value as the loans are only held for less than a week from origination.

Loans:

Fair values are estimated for portfolios of loans with similar financial characteristics. The fair value of performing loans has been estimated by discounting expected future cash flows. The discount rate used in these calculations is derived from the Treasury yield curve adjusted for credit quality, operating expense and prepayment option price, and is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan. The estimate of maturity is based on the Company’s historical experience with repayments for each loan classification, modified as required by an estimate of the effect of current economic and lending conditions.

Bank Owned Life Insurance:

The carrying value of bank owned life insurance approximates fair value based on applicable redemption provisions.

Regulatory Stock:

The carrying value of regulatory stock approximates fair value based on applicable redemption provisions.

Deposits:

The fair value of deposits with no stated maturity, such as noninterest-bearing demand deposits, savings and NOW accounts, and money market accounts, is equal to the amount payable on demand. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.

The deposits’ fair value estimates do not include the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market, commonly referred to as the core deposit intangible.

Borrowed Funds:

Rates available to the Company for borrowed funds with similar terms and remaining maturities are used to estimate the fair value of borrowed funds.

Note 11 – Recent Accounting Pronouncements

In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (a new revenue recognition standard). The Update’s core principle is that a company will recognize revenue to depict the transfer of 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. In addition, this update specifies the accounting for certain costs to obtain or fulfill a contract with a customer and expands disclosure requirements for revenue recognition. This Update is effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. The Company is evaluating the effect of adopting this new accounting Update.

In August 2014, the FASB issued ASU 2014-15, Presentation of Financial Statements -Going Concern (Subtopic 205-40). The amendments in this Update provide guidance in accounting principles generally accepted in the United States of America about management's responsibility to evaluate whether there is substantial doubt about an entity's ability to continue as a going concern and to provide related footnote disclosures. The amendments in this Update are effective for the annual period ending after December 15, 2016, and for annual periods and interim periods thereafter. Early application is permitted. This Update is not expected to have a significant impact on the Company’s financial statements.

In February 2015, the FASB issued ASU 2015-02, Consolidation (Topic 810). The amendments in this Update affect reporting entities that are required to evaluate whether they should consolidate certain legal entities. All legal entities are subject to reevaluation under the revised consolidation model. Specifically, the amendments (1) modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (VIEs) or voting interest entities; (2) eliminate the presumption that a general partner should consolidate a limited partnership; (3) affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships; (4) provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds. The amendments in this Update are effective for public business entities for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015. For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2016, and for interim periods within fiscal years beginning after December 15, 2017. This Update is not expected to have a significant impact on the Company’s financial statements.

In April 2015, the FASB issued ASU 2015-03, Interest-Imputation of Interest (Subtopic 835-30), as part of its initiative to reduce complexity in accounting standards. To simplify presentation of debt issuance costs, the amendments in this Update require 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 this Update. For public business entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within fiscal years beginning after December 15, 2016. An entity should apply the new guidance on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. This Update is not expected to have a significant impact on the Company’s financial statements.

In May 2015, the FASB issued ASU 2015-08, Business Combinations - Pushdown Accounting - Amendment to SEC Paragraphs Pursuant to Staff Accounting Bulletin No. 115. This ASU was issued to amend various SEC paragraphs pursuant to the issuance of Staff Accounting Bulletin No. 115. This Update is not expected to have a significant impact on the Company’s financial statements.

In June 2015, the FASB issued ASU 2015-10, Technical Corrections and Improvements. The amendments in this Update represent changes to clarify the Codification, correct unintended application of guidance, or make minor improvements to the Codification that are not expected to have a significant effect on current accounting practice or create a significant administrative cost to most entities. Transition guidance varies based on the amendments in this Update. The amendments in this Update that require transition guidance are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted, including adoption in an interim period. All other amendments will be effective upon the issuance of this Update. This Update is not expected to have a significant impact on the Company’s financial statements.

In August 2015, the FASB issued ASU 2015-14, Revenue from Contract with Customers (Topic 606). The amendments in this Update defer the effective date of ASU 2014-09 for all entities by one year. Public business entities, certain not-for-profit entities, and certain employee benefit plans should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2017, including interim reporting periods within that reporting period. All other entities should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2018, and interim reporting periods within annual reporting periods beginning after December 15, 2019. The Company is evaluating the effect of adopting this new accounting Update.

In August 2015, the FASB issued ASU 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. This ASU adds SEC paragraphs pursuant to the SEC Staff Announcement at the June 18, 2015 Emerging Issues Task Force meeting about the presentation and subsequent measurement of debt issuance costs associated with line-of-credit arrangements. This Update is not expected to have a significant impact on the Company’s financial statements.

In September 2015, the FASB issued ASU 2015-16, Business Combinations (Topic 805). The amendments in this Update require that an acquirer recognize adjustments to provisional amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The amendments in this Update require that the acquirer record, in the same period's financial statements, the effect on earnings of changes in depreciation, amortization, or other income effects, if any, as a result of the change to the provisional amounts, calculated as if the accounting had been completed at the acquisition date. The amendments in this Update require an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current-period earnings by line item that would have been recorded in previous reporting periods if the adjustment to the provisional amounts had been recognized as of the acquisition date. For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2016, and interim periods within fiscal years beginning after December 15, 2017. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations.

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

Forward-Looking Statements

We have made forward-looking statements in this document, and in documents that we incorporate by reference, that are subject to risks and uncertainties. Forward-looking statements include information concerning possible or expected future results of operations of Citizens Financial Services, Inc., First Citizens Community Bank, First Citizens Insurance Agency, Inc. or the combined Company. When we use words such as “believes,” “expects,” “anticipates,” or similar expressions, we are making forward-looking statements. For a variety of reasons, actual results could differ materially from those contained in or implied by forward-looking statements. The Company cautions readers that the following important factors, among others, could in the future affect the Company’s actual results and could cause the Company’s actual results for subsequent periods to differ materially from those expressed in any forward-looking statement:

·	Interest rates could change more rapidly or more significantly than we expect.

·	The economy could change significantly in an unexpected way, which would cause the demand for new loans and the ability of borrowers to repay outstanding loans to change in ways that our models do not anticipate.

·	The financial markets could suffer a significant disruption, which may have a negative effect on our financial condition and that of our borrowers, and on our ability to raise capital by issuing new securities.

·	It could take us longer than we anticipate to implement strategic initiatives designed to increase revenues or manage expenses, or we may be unable to implement those initiatives at all.

·	Acquisitions and dispositions of assets or businesses could affect us in ways that management has not anticipated.

·	We may become subject to new legal obligations or the resolution of litigation may have a negative effect on our financial condition or operating results.

·	We may become subject to new and unanticipated accounting, tax, or regulatory practices or requirements.

·	We could experience greater loan delinquencies than anticipated, adversely affecting our earnings and financial condition.

·	We could also experience greater losses than expected due to the ever increasing volume of information theft and fraudulent scams impacting our customers and the banking industry.

·	We could lose the services of some or all of our key personnel, which would negatively impact our business because of their business development skills, financial expertise, lending experience, technical expertise and market area knowledge.

·	The agricultural economy is subject to extreme swings in both the costs of resources and the prices received from the sale of products, which could negatively impact our customers.

Exploration and drilling of the natural gas reserves in our market area may be affected by federal, state and local laws and regulations such as restrictions on production, permitting, changes in taxes and environmental protection, which could negatively impact our customers and, as a result, negatively impact our loan and deposit volume and loan quality.

·	Similarly, customers dependent on the exploration and drilling of the natural gas reserves may be dependent on the market price of natural gas. As a result, decreases in the market price of natural gas could also negatively impact our customers.

Additional factors that may affect our results are discussed under “Part II – Item 1A – Risk Factors” in this report and in the Company’s 2014 Annual Report on Form 10-K under “Item 1.A/ Risk Factors.” Except as required by applicable law and regulation, we assume no obligation to update or revise any forward-looking statements after the date on which they are made.

Introduction

The following is management's discussion and analysis of the financial condition and results of operations at the dates and for the periods presented in the accompanying consolidated financial statements for the Company. Our Company's consolidated financial condition and results of operations consist almost entirely of the Bank’s financial condition and results of operations. Management’s discussion and analysis should be read in conjunction with the preceding financial statements presented under Part I. The results of operations for the three and nine months ended September 30, 2015 are not necessarily indicative of the results you may expect for the full year.

The Company currently engages in the general business of banking throughout our service area of Clinton, Potter, Tioga and Bradford counties in North Central Pennsylvania and Allegany, Steuben, Chemung and Tioga counties in Southern New York. We maintain our main office in Mansfield, Pennsylvania. Presently we operate 19 banking facilities, 18 of which operate as bank branches. In Pennsylvania, we have branch offices located in Mansfield, Blossburg, Ulysses, Genesee, Wellsboro, Troy, Sayre, Canton, Gillett, Millerton, LeRaysville, Towanda, Rome, the Wellsboro Weis Market store, the Mansfield Wal-Mart Super Center and Mill Hall, which was opened in 2015. In New York, we have a branch office in Wellsville, Allegany County.

In the second quarter of 2015, the Company entered into a definitive agreement to acquire The First National Bank of Fredericksburg. The transaction is expected to close in the fourth quarter of 2015, subject to the satisfaction of customary closing conditions.

Risk Management

Risk identification and management are essential elements for the successful management of the Company. In the normal course of business, the Company is subject to various types of risk, including interest rate, credit, liquidity, reputational and regulatory risk.

Interest rate risk is the sensitivity of net interest income and the market value of financial instruments to the direction and frequency of changes in interest rates. Interest rate risk results from various re-pricing frequencies and the maturity structure of the financial instruments owned by the Company. The Company uses its asset/liability and funds management policy to control and manage interest rate risk.

Credit risk represents the possibility that a customer may not perform in accordance with contractual terms. Credit risk results from loans with customers and the purchasing of securities. The Company’s primary credit risk is in the loan portfolio. The Company manages credit risk by adhering to an established credit policy and through a disciplined evaluation of the adequacy of the allowance for loan losses. Also, the investment policy limits the amount of credit risk that may be taken in the investment portfolio.

Liquidity risk represents the inability to generate or otherwise obtain funds at reasonable rates to satisfy commitments to borrowers and obligations to depositors. The Company has established guidelines within its asset/liability and funds management policy to manage liquidity risk. These guidelines include, among other things, contingent funding alternatives.

Reputational risk, or the risk to our business, earnings, liquidity, and capital from negative public opinion, could result from our actual or alleged conduct in a variety of areas, including legal and regulatory compliance, lending practices, corporate governance, litigation, ethical issues, or inadequate protection of customer information. We expend significant resources to comply with regulatory requirements. Failure to comply could result in reputational harm or significant legal or remedial costs. Damage to our reputation could adversely affect our ability to retain and attract new customers, and adversely impact our earnings and liquidity.

Regulatory risk represents the possibility that a change in law, regulations or regulatory policy may have a material effect on the business of the Company. We cannot predict what legislation might be enacted or what regulations might be adopted, or if adopted, the effect thereof on our operations.

Competition

The banking industry in the Bank’s service area continues to be extremely competitive, both among commercial banks and with financial service providers such as consumer finance companies, thrifts, investment firms, mutual funds, insurance companies, credit unions and internet entities. The increased competition has resulted from changes in the legal and regulatory guidelines as well as from economic conditions, specifically, the additional wealth resulting from the exploration of natural gas in our primary market and the limited loan growth opportunities in our primary market and surrounding areas. Mortgage banking firms, financial companies, financial affiliates of industrial companies, brokerage firms, retirement fund management firms and even government agencies provide additional competition for loans and other financial services. The Bank is generally competitive with all competing financial institutions in its service area with respect to interest rates paid on time and savings deposits, service charges on deposit accounts and interest rates charged on loans.

Trust and Investment Services; Oil and Gas Services

Our Investment and Trust Services Department offers professional trust administration, investment management services, estate planning and administration, and custody of securities. Assets held by the Company in a fiduciary or agency capacity for its customers are not included in the Consolidated Financial Statements since such items are not assets of the Company. Revenues and fees of the Trust Department are reflected in the Company’s financial statements. As of September 30, 2015 and December 31, 2014, the Trust Department had $92.8 million and $100.7 million of assets under management, respectively. The decrease in assets under management was due to one trust account closing in the second quarter of 2015 and a decline in investment values.

Our Investment Representatives offer full service brokerage services and financial planning throughout the Bank’s market area. Products such as mutual funds, annuities, health and life insurance are made available through our insurance subsidiary, First Citizens Insurance Agency, Inc. The assets associated with these products are not included in the Consolidated Financial Statements since such items are not assets of the Company. Assets owned and invested by customers of the Bank through the Bank’s Investment Representatives increased from $111.7 million at December 31, 2014 to $112.7 million at September 30, 2015. Fee income from the sale of these products is reflected in the Company’s financial statements as a component of non-interest income in the Consolidated Statement of Income. Management believes that there are opportunities to increase non-interest income through these products and services, and as such, has added additional resources to support these opportunities.

In addition to the trust and investment services offered we have an oil and gas division, which serves as a network of experts to assist our customers through various oil and gas specific leasing matters from lease negotiations to establishing a successful approach to personal wealth management. As of September 30, 2015, customers owning 8,300 acres have signed agreements with the Bank that provide for the Bank to manage oil and gas matters related to the customers land, which may include negotiating lease payments and royalty percentages, resolving leasing issues, accounting for and ensuring the accuracy of royalty checks, distributing revenue to satisfy investment objectives and providing customized reports outlining payment and distribution information.

Results of Operations

Overview of the Income Statement

The Company had net income of $9,166,000 for the first nine months of 2015 compared to $9,909,000 for last year’s comparable period, a decrease of $743,000 or 7.5%. The decrease in net income is primarily the result of hiring additional employees as part of the strategic plan, additional expenses and losses associated with foreclosed properties and expenses incurred in preparing for the merger with The First National Bank of Fredericksburg. Basic earnings per share for the first nine months of 2015 were $3.04, compared to $3.26 last year, representing a 6.9% decrease. Annualized return on assets and return on equity for the nine months of 2015 were 1.31% and 11.93%, respectively, compared with 1.46% and 13.64% for last year’s comparable period.

Net income for the three months ended September 30, 2015 was $2,857,000 compared to $3,368,000 in the comparable 2014 period, a decrease of $511,000 or 15.2%. The decrease in net income is primarily the result of hiring additional employees as part of the strategic plan, additional expenses and losses associated with foreclosed properties and expenses incurred in preparing for the merger with The First National Bank of Fredericksburg. Basic earnings per share for the three months ended September 30, 2015 were $0.95, compared to $1.11 last year, representing a 14.5% decrease. Annualized return on assets and return on equity for the quarter ended September 30, 2015 was 1.21% and 11.00%, respectively, compared with 1.48% and 13.59% for the same 2014 period.

Net Interest Income

Net interest income, the most significant component of the Company’s earnings, is the amount by which interest income generated from interest-earning assets exceeds interest expense on interest-bearing liabilities.

Net interest income for the first nine months of 2015 was $22,793,000, an increase of $57,000, or 0.3%, compared to the same period in 2014. For the first nine months of 2015, the provision for loan losses totaled $360,000, a decrease of $120,000 over the comparable period in 2014. Consequently, net interest income after the provision for loan losses was $22,433,000 compared to $22,256,000 during the first nine months of 2014.

For the three months ended September 30, 2015, net interest income was $7,645,000 compared to $7,574,000, an increase of $71,000, or 0.9% over the comparable period in 2014. The provision for loan losses this quarter was $120,000 compared to $150,000 for last year’s third quarter. Consequently, net interest income after the provision for loan losses was $7,525,000 for the quarter ended September 30, 2015 compared to $7,424,000 in 2014.

The following table sets forth the average balances of, and the interest earned or incurred on, for each principal category of assets, liabilities and stockholders’ equity, the related rates, net interest income and interest rate spread created for the nine months and three months ended September 30, 2015 and 2014 on a tax equivalent basis (dollars in thousands):

	Analysis of Average Balances and Interest Rates (1)
	Nine Months Ended
	September 30, 2015			September 30, 2014
	Average		Average	Average		Average
	Balance (1)	Interest	Rate	Balance (1)	Interest	Rate
(dollars in thousands)	$	$	%	$	$	%
ASSETS
Short-term investments:
Interest-bearing deposits at banks	12,469	14	0.15	8,839	8	0.12
Total short-term investments	12,469	14	0.15	8,839	8	0.12
Interest bearing time deposits at banks	6,037	89	1.97	2,900	43	2.02
Investment securities:
Taxable	199,122	2,485	1.66	215,058	2,701	1.67
Tax-exempt (3)	98,291	3,633	4.93	96,653	3,827	5.28
Total investment securities	297,413	6,118	2.74	311,711	6,528	2.79
Loans:
Residential mortgage loans	182,662	7,559	5.53	187,139	7,950	5.68
Construction	7,433	285	5.12	5,116	178	4.66
Commercial & agricultural loans	285,134	11,195	5.25	269,483	10,963	5.44
Loans to state & political subdivisions	83,901	2,800	4.46	67,114	2,349	4.68
Other loans	8,143	487	8.00	8,738	531	8.13
Loans, net of discount (2)(3)(4)	567,273	22,326	5.26	537,590	21,971	5.46
Total interest-earning assets	883,192	28,547	4.32	861,040	28,550	4.43
Cash and due from banks	3,922			3,775
Bank premises and equipment	12,581			11,271
Other assets	35,840			29,283
Total non-interest earning assets	52,343			44,329
Total assets	935,535			905,369
LIABILITIES AND STOCKHOLDERS' EQUITY
Interest-bearing liabilities:
NOW accounts	229,886	604	0.35	218,557	572	0.35
Savings accounts	114,682	105	0.12	100,619	87	0.12
Money market accounts	97,830	352	0.48	89,595	309	0.46
Certificates of deposit	249,516	2,027	1.09	259,907	2,323	1.19
Total interest-bearing deposits	691,914	3,088	0.60	668,678	3,291	0.66
Other borrowed funds	34,000	521	2.05	40,416	451	1.49
Total interest-bearing liabilities	725,914	3,609	0.66	709,094	3,742	0.71
Demand deposits	98,929			92,150
Other liabilities	8,285			7,253
Total non-interest-bearing liabilities	107,214			99,403
Stockholders' equity	102,407			96,872
Total liabilities & stockholders' equity	935,535			905,369
Net interest income		24,938			24,808
Net interest spread (5)			3.66%			3.72%
Net interest income as a percentage
of average interest-earning assets			3.78%			3.85%
Ratio of interest-earning assets
to interest-bearing liabilities			122%			121%

(1) Averages are based on daily averages.
(2) Includes loan origination and commitment fees.
(3) Tax exempt interest revenue is shown on a tax equivalent basis for proper comparison using
a statutory federal income tax rate of 34%.
(4) Income on non-accrual loans is accounted for on a cash basis, and the loan balances are included in interest-earning assets.
(5) Interest rate spread represents the difference between the average rate earned on interest-earning assets
and the average rate paid on interest-bearing liabilities.

	Analysis of Average Balances and Interest Rates (1)
	Three Months Ended
	September 30, 2015			September 30, 2014
	Average		Average	Average		Average
	Balance (1)	Interest	Rate	Balance (1)	Interest	Rate
(dollars in thousands)	$	$	%	$	$	%
ASSETS
Short-term investments:
Interest-bearing deposits at banks	8,804	3	0.14	15,013	6	0.16
Total short-term investments	8,804	3	0.14	15,013	6	0.16
Interest bearing time deposits at banks	6,188	30	1.98	3,725	19	2.02
Investment securities:
Taxable	200,888	833	1.66	206,785	845	1.63
Tax-exempt (3)	95,077	1,135	4.78	98,268	1,278	5.20
Total investment securities	295,965	1,968	2.66	305,053	2,123	2.78
Loans:
Residential mortgage loans	180,370	2,502	5.50	187,951	2,665	5.69
Construction	9,636	124	5.12	4,590	56	4.86
Commercial & farm loans	293,613	3,818	5.16	267,780	3,643	5.46
Loans to state & political subdivisions	85,565	948	4.39	71,450	827	4.64
Other loans	8,192	165	7.98	8,495	172	8.14
Loans, net of discount (2)(3)(4)	577,376	7,557	5.19	540,266	7,363	5.47
Total interest-earning assets	888,333	9,558	4.27	864,057	9,511	4.41
Cash and due from banks	3,901			3,769
Bank premises and equipment	12,585			11,563
Other assets	42,133			33,227
Total non-interest earning assets	58,619			48,559
Total assets	946,952			912,616
LIABILITIES AND STOCKHOLDERS' EQUITY
Interest-bearing liabilities:
NOW accounts	227,487	197	0.34	218,615	184	0.34
Savings accounts	118,514	37	0.12	104,897	32	0.12
Money market accounts	104,433	133	0.51	99,466	120	0.48
Certificates of deposit	248,828	677	1.08	255,921	756	1.18
Total interest-bearing deposits	699,262	1,044	0.59	678,899	1,092	0.64
Other borrowed funds	34,782	174	1.98	30,279	142	1.88
Total interest-bearing liabilities	734,044	1,218	0.66	709,178	1,234	0.70
Demand deposits	101,743			97,030
Other liabilities	7,248			7,255
Total non-interest-bearing liabilities	108,991			104,285
Stockholders' equity	103,917			99,153
Total liabilities & stockholders' equity	946,952			912,616
Net interest income		8,340			8,277
Net interest spread (5)			3.61%			3.71%
Net interest income as a percentage
of average interest-earning assets			3.73%			3.84%
Ratio of interest-earning assets
to interest-bearing liabilities			121%			122%

(1) Averages are based on daily averages.
(2) Includes loan origination and commitment fees.
(3) Tax exempt interest revenue is shown on a tax equivalent basis for proper comparison using a statutory federal income tax rate of 34%.
(4) Income on non-accrual loans is accounted for on a cash basis, and the loan balances are included in interest-earning assets.
(5) Interest rate spread represents the difference between the average rate earned on interest-earning assets
and the average rate paid on interest-bearing liabilities.

Tax exempt revenue is shown on a tax-equivalent basis for proper comparison using a statutory, federal income tax rate of 34%. For purposes of the comparison, as well as the discussion that follows, this presentation facilitates performance comparisons between taxable and tax-free assets by increasing the tax-free income by an amount equivalent to the Federal income taxes that would have been paid if this income were taxable at the Company’s 34% Federal statutory rate. The following table represents the adjustment to convert net interest income to net interest income on a fully taxable equivalent basis for the periods ending September 30, 2015 and 2014 (in thousands):

	For the Three Months		For the Nine Months
	Ended September 30		Ended September 30
	2015	2014	2015	2014
Interest and dividend income from investment securities
and interest bearing deposits at banks (non-tax adjusted)	$ 1,615	$ 1,714	$ 4,986	$ 5,278
Tax equivalent adjustment	386	434	1,235	1,301
Interest and dividend income from investment securities
and interest bearing deposits at banks (tax equivalent basis)	$ 2,001	$ 2,148	$ 6,221	$ 6,579

Interest and fees on loans (non-tax adjusted)	$ 7,248	$ 7,094	$ 21,416	$ 21,200
Tax equivalent adjustment	309	269	910	771
Interest and fees on loans (tax equivalent basis)	$ 7,557	$ 7,363	$ 22,326	$ 21,971

Total interest income	$ 8,863	$ 8,808	$ 26,402	$ 26,478
Total interest expense	1,218	1,234	3,609	3,742
Net interest income	7,645	7,574	22,793	22,736
Total tax equivalent adjustment	695	703	2,145	2,072
Net interest income (tax equivalent basis)	$ 8,340	$ 8,277	$ 24,938	$ 24,808

The following table shows the tax-equivalent effect of changes in volume and rate on interest income and expense (in thousands):

Analysis of Changes in Net Interest Income on a Tax-Equivalent Basis (1)
	Three months ended September 30, 2015 vs. 2014 (1)			Nine months ended September 30, 2015 vs. 2014 (1)
	Change in	Change	Total	Change in	Change	Total
	Volume	in Rate	Change	Volume	in Rate	Change
Interest Income:
Short-term investments:
Interest-bearing deposits at banks	$ (2)	$ (1)	$ (3)	$ 3	$ 3	$ 6
Interest bearing time deposits at banks	12	(1)	11	47	(1)	46
Investment securities:
Taxable	(25)	13	(12)	(199)	(17)	(216)
Tax-exempt	(41)	(102)	(143)	66	(260)	(194)
Total investments	(66)	(89)	(155)	(133)	(277)	(410)
Loans:
Residential mortgage loans	(77)	(86)	(163)	(188)	(203)	(391)
Construction	65	3	68	87	20	107
Commercial & agricultural loans	351	(176)	175	580	(348)	232
Loans to state & political subdivisions	162	(41)	121	554	(103)	451
Other loans	(5)	(2)	(7)	(36)	(8)	(44)
Total loans, net of discount	496	(302)	194	997	(642)	355
Total Interest Income	440	(393)	47	914	(917)	(3)
Interest Expense:
Interest-bearing deposits:
NOW accounts	10	3	13	30	2	32
Savings accounts	4	1	5	13	5	18
Money Market accounts	8	5	13	29	14	43
Certificates of deposit	(12)	(67)	(79)	(90)	(206)	(296)
Total interest-bearing deposits	10	(58)	(48)	(18)	(185)	(203)
Other borrowed funds	24	8	32	(51)	121	70
Total interest expense	34	(50)	(16)	(69)	(64)	(133)
Net interest income	$ 406	$ (343)	$ 63	$ 983	$ (853)	$ 130

(1) The portion of the total change attributable to both volume and rate changes, which can not be separated, has been
allocated proportionally to the change due to volume and the change due to rate prior to allocation.

Tax equivalent net interest income increased from $24,808,000 for the nine month period ended September 30, 2014 to $24,938,000 for the nine month period ended September 30, 2015, an increase of $130,000. The tax equivalent net interest margin decreased from 3.85% for the first nine months of 2014 to 3.78% in 2015.

Total tax equivalent interest income for the 2015 nine month period decreased $3,000 as compared to the 2014 nine month period. This decrease was primarily a result of a decrease of $917,000 due to a change in rate, as the yield on interest earning assets decreased from 4.43% to 4.32% or 11 basis points for the comparable periods. This decrease was offset by an increase of $914,000 as a result of an increase in the average balance of interest earning assets of $22.2 million for the comparable periods. While the Bank has been able to add interest earning assets, the new assets are priced at lower rates than assets that have matured due to the prolonged low interest rate environment and additional competition in our markets. Additionally, assets repriced at lower rates during the 2015 period.

Tax equivalent investment income for the nine months ended September 30, 2015 decreased $410,000 over the same period last year. The primary causes of the decrease were a decrease in the average outstanding balance of taxable securities and a decrease in the yield earned on tax exempt securities.

·	The average balance of taxable securities decreased by $15.9 million which resulted in a decrease in investment income of $199,000. The reason there was such a decrease in the average balance of taxable securities was due to less than favorable investment opportunities.

The yield on tax-exempt securities decreased 35 basis points from 5.28% to 4.93%, which corresponds to a decrease in interest income of $260,000. The yield decrease was due to the amount of purchases we made in the current low interest rate environment. For a discussion of the Company’s current investment strategy, see the “Financial Condition – Investments”. Offsetting this decrease, the average balance of tax-exempt securities increased $1.6 million resulting in an increase in investment income of $66,000.

The purchase of tax-exempt securities, along with municipal loans and investment tax credits, allows us to manage and reduce our effective tax rate as well as increase the overall after-tax yield on our interest earning assets.

Total loan interest income increased $355,000 for the nine months ended September 30, 2015 compared to the same period last year.

·	The average balance of state and political subdivision loans increased $16.8 million from a year ago. This had a positive impact of $554,000 on total interest income due to volume. Offsetting this increase, the yield decreased 22 basis points to 4.46%, which decreased loan interest income $103,000.

The average balance of commercial and agricultural loans increased $15.7 million from a year ago. This had a positive impact of $580,000 on total interest income due to volume, which was offset by a decrease of $348,000 due to rate, as the yield earned decreased from 5.44% to 5.25% due to the continued low rate environment and increased competition.

Interest income on residential mortgage loans decreased $391,000. The average balance of residential loans decreased $4.5 million from a year ago. This resulted in a decrease in loan interest income of $188,000. Additionally, the yield earned on residential loans decreased 15 basis points compared to 2014, which corresponds to a decrease in interest income of $203,000.

Total interest expense decreased $133,000 for the nine months ended September 30, 2015 compared with last year. A decrease of $64,000 was the result of a decrease in the average rate paid from 0.71% to 0.66%. The low interest rate environment prompted by the Federal Reserve had the effect of decreasing our rates paid on certificates of deposit. While the Company’s rates on deposit products are below its historical averages, we believe they are competitive with rates paid by other institutions in the marketplace.

The average balance of interest bearing liabilities increased $16.8 million from September 30, 2014 to September 30, 2015. Increases were experienced in NOW accounts of $11.3 million, savings accounts of $14.1 million and money market accounts of $8.2 million. The cumulative effect of these increases was an increase in interest expense of $72,000. Certificates of deposit decreased $10.4 million, which resulted in a decrease in interest expense due to volume of $90,000. (see also “Financial Condition – Deposits”).

·	There was a decrease in the average rate on certificates of deposit from 1.19% to 1.09% resulting in a decrease in interest expense of $206,000.

Interest expense on other borrowed funds increased $70,000 over the same period last year. The primary cause of the increase was the average rate on other borrowed funds increasing 56 basis points resulting in an increase in interest expense of $121,000. The increase in rate on the other borrowed funds is a result of the significant amount of overnight borrowings that were outstanding during the 2014 period compared to the 2015 period. In the current rate environment, overnight borrowings have a lower rate than longer term borrowings. The average balance of other borrowed funds decreased $6.4 million resulting in a decrease in interest expense due to volume of $51,000.

Tax equivalent net interest income for the three months ended September 30, 2015 was $8,340,000 which compares to $8,277,000 for the same period last year. This represents an increase of $63,000 or 0.8%.

Total tax equivalent interest income was $9,558,000 for the three month period ended September 30, 2015, compared with $9,511,000 for the comparable period last year, an increase of $47,000. The primary driver of this decrease was an increase in average balance of interest earning assets of $24.3 million, which corresponds to the increase we experienced on a year to date basis.

Total loan interest income increased $194,000 compared to the same period last year. This was primarily due to an increase in volume of $37.1 million, which corresponds to a $496,000 increase in interest income. This was offset by a decrease in rate of 28 points from 5.47% to 5.19%, which corresponds to a decrease in loan interest income of $302,000.

Total investment income decreased by $155,000 compared to same period last year. This was due to a 42 point decrease in rate on tax exempt investments from 5.20% to 4.78%, which equates to a $102,000 decrease in income. In addition, there was a decrease in income of $41,000 as a result of a $3.2 million decrease in the average balance of tax exempt securities.

Total interest expense decreased $16,000 for the three months ended September 30, 2015 compared with last year as a result of a decrease in the average rate on interest-bearing liabilities of 4 basis points from 0.70% to 0.66%, accounting for a $50,000 decrease in interest expense. Interest expense increased $34,000 as a result of an increase in the average outstanding balance of interest bearing liabilities of $24.9 million.

Provision for Loan Losses

For the nine month period ending September 30, 2015, we recorded a provision for loan losses of $360,000, which represents a decrease of $120,000 from the $480,000 provision recorded in the corresponding nine months of last year. The provision was lower in 2015 than 2014 due to the improvement in the credit quality of the loan portfolio. see “Financial Condition – Allowance for Loan Losses and Credit Quality Risk”).

For the three months ending September 30, 2015, we recorded a provision of $120,000 compared to $150,000 in 2014. The provision was lower in 2015 than 2014 due to the improvement in the credit quality of the loan portfolio. see “Financial Condition – Allowance for Loan Losses and Credit Quality Risk”).

Non-interest Income

The following table shows the breakdown of non-interest income for the three and nine months ended September 30, 2015 and 2014 (dollars in thousands):

	Nine months ended September 30,		Change
	2015	2014	Amount	%
Service charges	$ 3,058	$ 3,239	$ (181)	(5.6)
Trust	523	528	(5)	(0.9)
Brokerage and insurance	563	398	165	41.5
Gains on loans sold	183	110	73	66.4
Investment securities gains, net	430	488	(58)	(11.9)
Earnings on bank owned life insurance	464	366	98	26.8
Other	327	337	(10)	(3.0)
Total	$ 5,548	$ 5,466	$ 82	1.5

	Three months ended September 30,		Change
	2015	2014	Amount	%
Service charges	$ 1,054	$ 1,098	$ (44)	(4.0)
Trust	149	151	(2)	(1.3)
Brokerage and insurance	181	141	40	28.4
Gains on loans sold	85	40	45	112.5
Investment securities gains, net	129	242	(113)	(46.7)
Earnings on bank owned life insurance	158	124	34	27.4
Other	109	128	(19)	(14.8)
Total	$ 1,865	$ 1,924	$ (59)	(3.1)

Non-interest income for the nine months ended September 30, 2015 totaled $5,548,000, an increase of $82,000 when compared to the same period in 2014. During the first nine months of 2015, net investment security gains amounted to $430,000 compared to gains of $488,000 last year. We sold five agency securities for gains totaling $196,000, five mortgage backed securities in government sponsored entities for gains totaling $70,000, seven municipal bonds for gains totaling $99,000, a financial institution equity holding for a gain of $76,000 and a US Treasury note for a loss of $11,000 in order to take advantage of certain market conditions. In 2014, we sold seven agency securities for gains totaling $137,000, three mortgage backed securities in government sponsored entities for gains totaling $78,000, one municipal security for a gain of $172,000 and a portion of a financial institution equity holding for a gain of $101,000.

For the first nine months of 2015, account service charges totaled $3,058,000, a decrease of $181,000 or 5.6%, when compared to the same period in 2014. The decrease was associated with a $139,000 decrease attributable to fees charged to customers for non-sufficient funds and a $14,900 decrease in interchange revenue. This revenue source has been negatively impacted and is expected to continue to be negatively impacted by changes in regulations implemented as part of Dodd-Frank. The increase in earnings on bank owned life insurance of $98,000 is due to purchases of an additional $5.0 million of insurance made late in the fourth quarter of 2014. The increase in brokerage and insurance revenues of $165,000 in the current nine months is primarily due to sales to a new customer, with a large brokerage balance. The increase in gains on loans sold is due to an increase of 68.3% in the amount of loans sold in 2015 compared to 2014. During the first nine months of 2015, the Company received proceeds of $12.9 million from the sale of conforming loans compared to $7.7 million of proceeds for the comparable 2014 period.

For the three month period ended September 30, 2015, the changes experienced from the prior year correspond to the changes experienced for the nine month period. The decrease in revenue associated with non-sufficient funds continued into the third quarter, while increases related to brokerage, and earnings on bank owned life insurance continue and are consistent with year to date changes.

Non-interest Expense

The following tables reflect the breakdown of non-interest expense for the three and nine months ended September 30, 2015 and 2014 (dollars in thousands):

	Nine months ended
	September 30,		Change
	2015	2014	Amount	%
Salaries and employee benefits	$ 9,118	$ 8,600	$ 518	6.0
Occupancy	1,064	967	97	10.0
Furniture and equipment	323	280	43	15.4
Professional fees	614	649	(35)	(5.4)
FDIC insurance	348	345	3	0.9
Pennsylvania shares tax	602	485	117	24.1
Merger and acquisition	405	237	168	70.9
ORE expenses	686	243	443	182.3
Other	3,455	3,352	103	3.1
Total	$ 16,615	$ 15,158	$ 1,457	9.6

	Three months ended
	September 30,		Change
	2015	2014	Amount	%
Salaries and employee benefits	$ 3,069	$ 2,790	$ 279	10.0
Occupancy	347	313	34	10.9
Furniture and equipment	108	86	22	25.6
Professional fees	202	207	(5)	(2.4)
FDIC insurance	116	116	-	-
Pennsylvania shares tax	201	101	100	99.0
Merger and acquisition	282	187	95	50.8
ORE expenses	328	106	222	209.4
Other	1,199	1,161	38	3.3
Total	$ 5,852	$ 5,067	$ 785	15.5

Non-interest expenses increased $1,457,000 for the nine months ended September 30, 2015 compared to the same period in 2014. Salaries and employee benefits increased $518,000 or 6.0%. Merit increases effective at the beginning of 2015 and an increase in full time equivalent employees, as part of implementing the Bank’s strategic plan and opening a new branch, accounted for an increase in salaries and employee benefits of approximately $282,000. Health insurance related expenses increased $93,000 as a result of an increase in claims experience. Due to actuarial changes, pension expense has increased $141,000 in 2015 compared to the 2014 nine month period. As a result of the increase in brokerage and insurance revenues, commission expense has increased $59,000. Profit sharing expenses have decreased $100,000 compared to the comparable period of 2014.

The primary cause of the increases in occupancy and furniture and fixtures is the opening of the Mill Hall branch in the first quarter of 2015, which includes some one-time costs incurred as part of the opening. The increase in ORE expenses in 2015 is the result of $262,000 of write-downs on two OREO properties taken in the second and third quarters of 2015 due to updated appraisals, legal expenses related to OREO proceedings and paying real estate taxes. The increase in Pennsylvania shares tax expense is due to the fact that in 2014, the Bank received a tax credit that has not yet been granted in 2015 due to the Pennsylvania state budget impasse. The increase in merger and acquisition expenses is the result of merger with the First National Bank of Fredericksburg expected to close in the fourth quarter of 2015. The largest driver of the increase in other expenses is charge-offs related to fraudulent charges on our customers debit cards.

For the three months ended, September 30, 2015, non-interest expenses increased $785,000 when compared to the same period in 2014. ORE expenses increased $222,000 primarily due to $153,000 of ORE write-downs and paying real estate taxes. The increases in Pennsylvania shares tax and salaries and employee benefits correspond to the increases incurred on a year to date basis.

Provision for Income Taxes

The provision for income taxes was $2,200,000 for the nine month period ended September 30, 2015 compared to $2,655,000 for the same period in 2014. The decrease is attributable to a decrease in income before the provision for income taxes of $1,198,000 and an increase in tax-exempt income as a proportion of total interest income. Through management of our municipal loan and bond portfolios, management is focused on minimizing our effective tax rate. Our effective tax rate was 19.4% and 21.1% for the first nine months of 2015 and 2014, respectively, compared to the statutory rate of 34%.

For the three months ended September 30, 2015, the provision for income taxes was $681,000 compared to $913,000 for the same period in 2014. The decrease is attributable to the decrease in income before the provision for income taxes of $743,000 and an increase in tax-exempt income as a proportion of total interest income. Our effective tax rate was 19.3% and 21.3% for the three months ended September 30, 2015 and 2014, respectively, compared to the statutory rate of 34%.

We have invested in four limited partnership agreements that established low-income housing projects in our market areas. We anticipate recognizing an aggregate of $1.0 million of tax credits over the next seven years, with an additional $50,000 anticipated to be recognized during 2015.

Financial Condition

Total assets were $954.0 million at September 30, 2015, an increase of $29.0 million, or 3.1% from $925.0 million at December 31, 2014. Cash and cash equivalents decreased $1.1 million to $10.3 million. Investment securities decreased to $300.6 million and net loans increased 5.2% to $576.0 million at September 30, 2015. Total deposits increased $23.9 million to $797.8 million since year-end 2014, while borrowed funds increased $2.9 million to $44.7 million.

Cash and Cash Equivalents

Cash and cash equivalents totaled $10.3 million at September 30, 2015 compared to $11.4 million at December 31, 2014, a decrease of $1.1 million. Management actively measures and evaluates its liquidity position through our Asset–Liability Committee and believes its liquidity needs are satisfied by the current balance of cash and cash equivalents, readily available access to traditional funding sources including the Bank’s core deposits, Federal Home Loan Bank financing, federal funds lines with correspondent banks, brokered certificates of deposit and the portion of the investment and loan portfolios that mature within one year. Management expects that these sources of funds will permit us to meet cash obligations and off-balance sheet commitments as they come due.

Investments

The following table shows the composition of the investment portfolio as of September 30, 2015 and December 31, 2014 (dollars in thousands):

	September 30, 2015		December 31, 2014
	Amount	%	Amount	%
Available-for-sale:
U. S. Agency securities	$ 164,102	54.6	$ 150,885	49.3
U. S. Treasury notes	-	-	4,849	1.6
Obligations of state & political subdivisions	98,165	32.7	105,036	34.3
Corporate obligations	12,707	4.2	13,958	4.6
Mortgage-backed securities in government sponsored entities	23,899	7.9	29,728	9.6
Equity securities in financial institutions	1,757	0.6	1,690	0.6
Total	$ 300,630	100.0	$ 306,146	100.0

	September 30, 2015/ December 31, 2014
	Change
	Amount	%
Available-for-sale:
U. S. Agency securities	$ 13,217	8.8
U. S. Treasury notes	(4,849)	(100.0)
Obligations of state & political subdivisions	(6,871)	(6.5)
Corporate obligations	(1,251)	(9.0)
Mortgage-backed securities in government sponsored entities	(5,829)	(19.6)
Equity securities in financial institutions	67	4.0
Total	$ (5,516)	(1.8)

Our investment portfolio decreased by $5.5 million, or 1.8%, from December 31, 2014 to September 30, 2015. During 2015, we purchased approximately $43.5 million of U.S. agency obligations, $15.0 million of state and local obligations and $218,000 of equity securities in financial institutions, which helped offset the $4.3 million of principal repayments and $35.2 million of calls and maturities that occurred during the nine month period. We also sold $23.6 million of various securities at a gain of $430,000. Excluding our short-term investments consisting of monies held primarily at the Federal Reserve for liquidity purposes, our investment portfolio for the nine month period ended September 30, 2015 yielded 2.74%, compared to 2.79% in the comparable period in 2014 on a tax equivalent basis.

During 2015, there were significant fluctuations in the yield on investments as a result of economic indicators, comments made by the Federal Reserve that have indicated a potential rise in short term rates in the near future, and turbulence in foreign markets. As a result of this volatility and as a result of loan growth the Company experienced, a portion of the cash flows from the investment portfolio were utilized to fund the loan growth and were not reinvested in the bond market. For the investment cash flows that were reinvested, we monitored the trading ranges for various investment products and limited purchases to times when yields were in the top third of the trading range. Additionally, for the purchases made, the investment strategy in 2015 has been to purchase agency securities with maturities of less than five years and high quality municipal bonds with high coupons. The Bank believes it has appropriately mitigated its interest rate risk exposure in the event of rising interest rates, if they occur. Additionally, high coupon municipal bonds have less price volatility in rising rate scenarios than similar lower coupon bonds. We believe this strategy will enable us to reinvest cash flows in the next two to five years when and if investment opportunities improve.

Management continues to monitor the earnings performance and the liquidity of the investment portfolio on a regular basis. Through active balance sheet management and analysis of the securities portfolio, the Company believes it maintains sufficient liquidity to satisfy depositor requirements and various credit needs of its customers.

Loans

The following table shows the composition of the loan portfolio as of September 30, 2015 and December 31, 2014 (dollars in thousands):

	September 30,			December 31,
	2015			2014
	Amount	%		Amount	%
Real estate:
Residential	$ 178,280	30.6		$ 185,438	33.5
Commercial	197,775	33.9		190,945	34.5
Agricultural	36,156	6.2		24,639	4.4
Construction	10,159	1.7		6,353	1.1
Consumer	8,473	1.5		8,497	1.5
Other commercial and agricultural loans	64,712	11.1		58,516	10.6
State & political subdivision loans	87,454	15.0		79,717	14.4
Total loans	583,009	100.0		554,105	100.0
Less allowance for loan losses	7,045			6,815
Net loans	$ 575,964			$ 547,290
	September 30, 2015/
	December 31, 2014
	Change
	Amount		%
Real estate:
Residential	$ (7,158)		(3.9)
Commercial	6,830		3.6
Agricultural	11,517		46.7
Construction	3,806		59.9
Consumer	(24)		(0.3)
Other commercial and agricultural loans	6,196		10.6
State & political subdivision loans	7,737		9.7
Total loans	$ 28,904		5.2

The Company’s lending is focused in the north central Pennsylvania market and the southern tier of New York. The composition of our loan portfolio consists principally of retail lending, which includes single-family residential mortgages and other consumer lending, and commercial lending primarily to locally owned small businesses and area municipalities. New loans are primarily direct loans to our existing customer base, with new customers generated by referrals from real estate brokers, building contractors, attorneys, accountants, existing customers and the efforts and expertise of our business development officers.

During the first nine months of 2015, the Company experienced growth in state and political subdivision loans, which increased $7.7 million or 9.7%, other commercial and agricultural loans, which increased $6.2 million or 10.6%, commercial real estate, which increased $6.8 million or 3.6%, agricultural real estate loans, which increased $11.5 million or 46.7% and construction loans, which increased $3.8 million, or 59.9%. We continue to experience growth in the Mill Hall branch that opened in February 2015, as loans outstanding for this branch have increased $11.2 million in 2015. The Company attributes the increase in state and political loans, other commercial and agricultural, commercial real estate and agricultural real estate loans to the Company’s experienced lenders and their ability to identify and meet the needs of our customers while providing growth opportunities for the Company’s loan portfolio. We also look at commercial relationships as a way to obtain deposits from farmers, small businesses and municipalities throughout our market area. Commercial loan demand is subject to significant competitive pressures, the yield curve, the strength of the overall national, regional and local economies. The local economy has been impacted significantly by natural gas exploration activities, which are impacted by regulations and changes in the market price of natural gas. Due to the low price for natural gas exploration activities remained curtailed. We work closely with local municipalities and school districts to meet their needs that otherwise would be provided by the municipal bond market.

Residential real estate loans decreased $7.2 million during the first nine months of 2015. Loan demand for conforming mortgages, which the Company typically sells on the secondary market has increased in 2015 when compared to 2014. During the first nine months of 2015, $13.5 million of loans were originated, which compares to $8.1 million originated during the same period in 2014. It should be noted that through September 30, 2015 and 2014, that $1.8 million and $3.1 million, respectively, of conforming mortgages were not sold, but were instead maintained in the Bank’s loan portfolio. For loans sold on the secondary market, the Company recognizes fee income for servicing these sold loans, which is included in non-interest income. Management continues to build technologies which make it easier and more efficient for customers to choose the Company for their mortgage needs.

Allowance for Loan Losses

The allowance for loan losses is maintained at a level which in management’s judgment is adequate to absorb probable future loan losses inherent in the loan portfolio. The provision for loan losses is charged against current income. Loans deemed not collectable are charged-off against the allowance while subsequent recoveries increase the allowance. The following table presents an analysis of the allowance for loan losses and non-performing loans and assets as of and for the nine months ended September 30, 2015 and for the years ended December 31, 2014, 2013, 2012 and 2011 (dollars in thousands):

	September 30,	December 31,
	2015	2014	2013	2012	2011
Balance
at beginning of period	$ 6,815	$ 7,098	$ 6,784	$ 6,487	$ 5,915
Charge-offs:
Real estate:
Residential	34	97	17	95	101
Commercial	56	516	62	2	29
Agricultural	-	-	-	-	-
Consumer	35	47	54	54	71
Other commercial and agricultural loans	41	250	1	21	6
Total loans charged-off	166	910	134	172	207
Recoveries:
Real estate:
Residential	-	-	5	-	-
Commercial	11	15	5	9	15
Agricultural	-	-	-	-	-
Consumer	25	27	33	33	57
Other commercial and agricultural loans	-	-	-	7	32
Total loans recovered	36	42	43	49	104
Net loans charged-off	130	868	91	123	103
Provision charged to expense	360	585	405	420	675
Balance at end of year	$ 7,045	$ 6,815	$ 7,098	$ 6,784	$ 6,487

Loans outstanding at end of period	$ 583,009	$ 554,105	$ 540,612	$ 502,463	$ 487,509
Average loans outstanding, net	$ 567,273	$ 540,541	$ 516,748	$ 496,822	$ 474,972
Non-performing assets:
Non-accruing loans	$ 6,319	$ 6,599	$ 8,097	$ 8,067	$ 9,165
Accrual loans - 90 days or more past due	668	836	697	506	275
Total non-performing loans	$ 6,987	$ 7,435	$ 8,794	$ 8,573	$ 9,440
Foreclosed assets held for sale	1,429	1,792	1,360	616	860
Total non-performing assets	$ 8,416	$ 9,227	$ 10,154	$ 9,189	$ 10,300

Annualized net charge-offs to average loans	0.03%	0.16%	0.02%	0.02%	0.02%
Allowance to total loans	1.21%	1.23%	1.31%	1.35%	1.33%
Allowance to total non-performing loans	100.83%	91.66%	80.71%	79.13%	68.72%
Non-performing loans as a percent of loans
net of unearned income	1.20%	1.34%	1.63%	1.71%	1.94%
Non-performing assets as a percent of loans
net of unearned income	1.44%	1.67%	1.88%	1.83%	2.11%

Management believes it uses the best information available when estimating the allowance for loan losses and that the allowance for loan losses is adequate as of September 30, 2015. However, future adjustments could be required if circumstances differ substantially from assumptions and estimates used in making the initial determination. A prolonged downturn in the economy, high unemployment rates, significant changes in the value of collateral and delays in receiving financial information from borrowers could result in increased levels of non-performing assets, charge-offs, loan loss provisions and reduction in income. Additionally, bank regulatory agencies periodically examine the Bank’s allowance for loan losses. The banking agencies could require the recognition of additions to the allowance for loan losses based upon their judgment of information available to them at the time of their examination.

On a monthly basis, problem loans are identified and updated primarily using internally prepared past due reports. Based on data surrounding the collection process of each identified loan, the loan may be added or deleted from the monthly watch list. The watch list includes loans graded special mention, substandard, doubtful, and loss, as well as additional loans that management may choose to include. Watch list loans are continually monitored going forward until satisfactory conditions exist that allow management to upgrade and remove the loan. In certain cases, loans may be placed on non-accrual status or charged-off based upon management’s evaluation of the borrower’s ability to pay. All commercial loans, which include commercial real estate, agricultural real estate, state and political subdivision loans and other commercial loans, on non-accrual are evaluated quarterly for impairment.

The balance in the allowance for loan losses was $7,045,000 or 1.21% of total loans as of September 30, 2015 as compared to $6,815,000 or 1.23% of loans as of December 31, 2014. The $230,000 increase is a result of a $360,000 provision for the first nine months offset by net charge-offs of $130,000. The following table shows the distribution of the allowance for loan losses and the percentage of loans compared to total loans by loan category as of September 30, 2015 and December 31, 2014, 2013, 2012 and 2011 (dollars in thousands):

	September 30		December 31
	2015		2014		2013		2012		2011
	Amount	%	Amount	%	Amount	%	Amount	%	Amount	%
Real estate loans:
Residential	$ 913	30.6	$ 878	33.5	$ 946	34.6	$ 875	35.4	$ 805	37.7
Commercial, agricultural	3,803	40.1	3,870	38.9	4,558	39.8	4,437	38.8	4,132	37.9
Construction	17	1.7	26	1.1	50	1.7	38	2.4	15	1.7
Consumer	91	1.5	84	1.5	105	1.7	119	2.1	111	2.2
Other commercial and agricultural loans	1,445	11.1	1,224	10.6	942	10.0	728	9.5	674	9.1
State & political subdivision loans	586	15.0	545	14.4	330	12.2	271	11.8	235	11.4
Unallocated	190	N/A	188	N/A	167	N/A	316	N/A	515	N/A
Total allowance for loan losses	$ 7,045	100.0	$ 6,815	100.0	$ 7,098	100.0	$ 6,784	100.0	$ 6,487	100.0

As a result of previous loss experiences and other risk factors utilized in determining the allowance, the Bank’s allocation of the allowance does not directly correspond to the actual balances of the loan portfolio. While commercial and agricultural real estate total 40.1% of the loan portfolio, 52.2% of the allowance is assigned to this segment of the loan portfolio as these loans have more inherent risks than residential real estate or loans to state and political subdivisions.

The following table identifies amounts of loans contractually past due 30 to 89 days and non-performing loans by loan category, as well as the change from December 31, 2014 to September 30, 2015 in non-performing loans(dollars in thousands). Non-performing loans include those loans that are contractually past due 90 days or more and non-accrual loans. Interest does not accrue on non-accrual loans. Subsequent cash payments received are applied to the outstanding principal balance or recorded as interest income, depending upon management's assessment of its ultimate ability to collect principal and interest.

	September 30, 2015				December 31, 2014
		Non-Performing Loans				Non-Performing Loans
	30 - 89 Days				30 - 89 Days
	Past Due	90 Days Past	Non-	Total Non-	Past Due	90 Days Past	Non-	Total Non-
(in thousands)	Accruing	Due Accruing	accrual	Performing	Accruing	Due Accruing	accrual	Performing
Real estate:
Residential	$ 1,034	$ 409	$ 794	$ 1,203	$ 1,089	$ 346	$ 828	$ 1,174
Commercial	302	60	4,441	4,501	147	310	5,010	5,320
Agricultural	208	-	-	-	-	-	-	-
Consumer	41	-	52	52	75	6	47	53
Other commercial and
agricultural loans	421	199	1,032	1,231	761	174	714	888
Total nonperforming loans	$ 2,006	$ 668	$ 6,319	$ 6,987	$ 2,072	$ 836	$ 6,599	$ 7,435

	Change in Non-Performing Loans
	September 30, 2015 /December 31, 2014
(in thousands)	Amount	%
Real estate:
Residential	$ 29	2.5
Commercial	(819)	(15.4)
Agricultural	-	N/A
Consumer	(1)	(1.9)
Other commercial and
agricultural loans	343	38.6
Total nonperforming loans	$ (448)	(6.0)

For the nine month period ending September 30, 2015, we recorded a provision for loan losses of $360,000, which compares to $480,000 for the same time period in 2014. Non-performing loans decreased $448,000 or 6.0%, from December 31, 2014 to September 30, 2015, primarily due to loans charged off and loan payments. Approximately 62.0% of the Bank’s non-performing loans at September 30, 2015 are associated with the following three customer relationships:

A commercial customer with a total loan relationship of $3.3 million secured by 164 residential properties was considered non-accrual as of September 30, 2015. In the first quarter of 2011, the Company and borrower entered into a forbearance agreement to restructure the debt. In July of 2013, the customer filed for bankruptcy under Chapter 11 and a Trustee was appointed in January of 2014. In 2015, the Trustee has decreased the loan payments below what was agreed to in the forbearance agreement. This decrease is currently being litigated in bankruptcy court. As a result of the decrease, the relationship has become more than 90 days past due. In the second quarter of 2015, 25 appraisals were completed and management observed an additional 20 properties. These items did not note any significant change in collateral values. We continue to monitor the bankruptcy proceedings to identify potential changes in the customer’s operations and the impact these would have on the loan payments for our loans to the customer and the underlying collateral that supports these loans. As of September 30, 2015, there is no specific reserve for this relationship.

A commercial customer with a relationship of approximately $435,000, after a charge-off of $463,000 during the second quarter of 2014, secured by commercial real estate was considered non-accrual as of September 30, 2015. The current economic conditions have significantly impacted the cash flows from the customer’s activities. Management reviewed the collateral and in the second quarter of 2014 charged-off of a portion of the balance associated with this customer, which was based on the appraised value of collateral and as a result there is no specific reserve as of September 30, 2015.

A commercial customer with a relationship of approximately $557,000 secured by vacant real estate, equipment and accounts receivable was considered non-accrual as of September 30, 2015. The slowdown in the exploration for natural gas has significantly impacted the cash flows of the customer. Management reviewed the collateral and there is a specific reserve of $30,000 as of September 30, 2015.

Management of the Bank believes that the allowance for loan losses is adequate, which is based on the following factors:

·	One loan relationship comprises 47.8% of the non-performing loan balance, whose debt is well collateralized as of September 30, 2015.

·	Net and gross charge-offs have returned to their low historical rate of .03% on an annualized basis in the first half of 2015.

Real estate values in the Bank’s primary market area have remained stable. Additionally, our primary market area is predominately centered in a natural gas exploration and drilling area, and while the activities associated with this exploration are cyclical, it has provided a positive impact on the value of local real estate.

Bank Owned Life Insurance

The Company purchased bank owned life insurance to offset future employee benefit costs. As of September 30, 2015, the cash surrender value of this life insurance is $20,773,000, which has resulted in income recognized in the first nine months of 2015 of $464,000 compared to $366,000 during the comparable period in 2014. The use of life insurance policies provides the Bank with an asset that will generate earnings to partially offset the current costs of benefits and eventually (at the death of the individuals) provides partial recovery of cash outflows associated with the benefits.

Effective January 1, 2015, the Company restructured the agreements so that any death benefits received from a policy while the insured person is an active employee of the Bank will be split with the beneficiary of the policy. Under the restructured agreements, the employee’s beneficiary will be entitled to receive 50% of the net amount at risk from the proceeds. The net amount at risk is the total death benefit payable less the cash surrender value of the policy as of the date of death.

Premises and Equipment

Premises and equipment increased from $12.4 million at December 31, 2014 to $12.5 million at September 30, 2015. This occurred primarily as a result of costs associated with the construction of our branch in Mill Hall, which opened in February 2015.

Deposits

The following table shows the composition of deposits as of September 30, 2015 and December 31, 2014 (dollars in thousands):

	September 30,		December 31,
	2015		2014
	Amount	%	Amount	%
Non-interest-bearing deposits	$ 106,957	13.4	$ 95,526	12.3
NOW accounts	223,719	28.0	226,038	29.2
Savings deposits	119,358	15.0	108,252	14.0
Money market deposit accounts	100,612	12.6	95,350	12.3
Certificates of deposit	247,202	31.0	248,767	32.2
Total	$ 797,848	100.0	$ 773,933	100.0

	September 30, 2015/
	December 31, 2014
	Change
	Amount	%
Non-interest-bearing deposits	$ 11,431	12.0
NOW accounts	(2,319)	(1.0)
Savings deposits	11,106	10.3
Money market deposit accounts	5,262	5.5
Certificates of deposit	(1,565)	(0.6)
Total	$ 23,915	3.1

Deposits increased $23.9 million since December 31, 2014. The largest driver of this increase was due to deposits from local municipalities, as they increased $22.2 million across various product types. This growth was driven by obtaining new customers and the receipt of ACT 13 impact fees, which are fees collected by Pennslyvania, on behalf of local municipalities, as a result of the exploration for natural gas. The decrease in NOW accounts was driven by a decrease in our senior checking product, the settlement of a large estate and a general decrease in business NOW accounts. Similar to the prior year, as CD’s mature, some customers are converting the balances to other deposits accounts at the bank. This is occurring as customers are seeking more liquidity during this low rate environment. The Bank currently does not have any outstanding brokered certificates of deposit.

Borrowed Funds

Borrowed funds increased $2.9 million during the first nine months of 2015. The increase was the result of borrowing $4.7 million from the FHLB on a long term basis and $2.0 million on a short term basis. These borrowings were offset by repaying $3.7 million of overnight borrowings from the FHLB. Additionally, there was a decrease of approximately $178,000 in the balances outstanding under repurchase agreements. The Bank’s current strategy for borrowings is to consider terms and structures to manage interest rate risk and liquidity in a potential rising interest rate environment. The Company's daily cash requirements or short-term investments are primarily met by using the financial instruments available through the Federal Home Loan Bank of Pittsburgh.

In December 2003, the Company formed a special purpose entity, Citizens Financial Statutory Trust I (“the Entity”), to issue $7,500,000 of floating rate obligated mandatory redeemable securities as part of a pooled offering. The rate is determined quarterly based on the 3 month LIBOR plus 2.80%. The Entity may redeem them, in whole or in part, at face value at any time. The Company borrowed the proceeds of the issuance from the Entity in December 2003 in the form of a $7,500,000 note payable, which is included within “Borrowed Funds” in the liabilities section of the Company’s balance sheet. Under current accounting rules, the Company’s minority interest in the Entity was recorded at the initial investment amount and is included in the other assets section of the balance sheet. The Entity is not consolidated as part of the Company’s Consolidated Financial Statements.

Stockholders’ Equity

We evaluate stockholders’ equity in relation to total assets and the risks associated with those assets. The greater the capital resource, the more likely a corporation will meet its cash obligations and absorb unforeseen losses. For these reasons, capital adequacy has been, and will continue to be, of paramount importance. As such, the Company has implemented policies and procedures to ensure that it has adequate capital levels. As part of this process, we routinely stress test our capital levels and identify potential risk and alternative sources of additional capital should the need arise.

Total stockholders’ equity was $103.9 million at September 30, 2015 compared to $100.5 million at December 31, 2014, an increase of $3.4 million or 3.4%. Excluding accumulated other comprehensive income stockholders’ equity increased $3.3 million, or 3.3%. The Company purchased 46,254 shares of treasury stock at a weighted average cost of $49.87 per share. The Company reissued 3,956 shares as part of the dividend reinvestment program at a weighted average cost of $52.90, 3,340 shares as part of the restricted stock program at a weighted average cost of $52.42 and 1,206 shares as part of an incentive program at a weighted average cost of $52.90. In the first nine months of 2015, the Company had net income of $9.2 million and declared cash dividends of $4.0 million, or $1.32 per shares, representing a cash dividend payout ratio of 43.4%.

All of the Company’s investment securities are classified as available-for-sale, making this portion of the Company’s balance sheet more sensitive to the changing market value of investments. As a result of changes in the interest rate environment, accumulated other comprehensive income associated with the change in investment securities decreased $26,000 from December 31, 2014.

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

Quantitative measures established by regulatory capital standards to ensure capital adequacy require the Company and Bank to maintain minimum amounts and ratios of total and Tier 1 capital (as defined) to risk-weighted assets (as defined), common equity Tier 1 capital (as defined) to total risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined). 7 Management believes, as of September 30, 2015 and December 31, 2014, that the Company and Bank meet all capital adequacy requirements to which they are subject.

As of September 30, 2015, and December 31, 2014, the Company and Bank are categorized as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Company must maintain minimum total risk-based capital, Tier 1 risk-based capital, common equity Tier 1 risk-based capital, and Tier 1 leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the institution's category.

The Company and Bank’s computed risk-based capital ratios are as follows (dollars in thousands):

	Actual		For Capital Adequacy Purposes		To Be Well Capitalized Under Prompt Corrective Action Provisions
September 30, 2015	Amount	Ratio	Amount	Ratio	Amount	Ratio
Total Capital (to Risk Weighted Assets):
Company	$ 110,645	18.67%	$ 47,406	8.00%	$ 59,258	10.00%
Bank	$ 103,477	17.51%	$ 47,266	8.00%	$ 59,083	10.00%

Tier 1 Capital (to Risk Weighted Assets):
Company	$ 103,268	17.43%	$ 35,555	6.00%	$ 47,406	8.00%
Bank	$ 96,240	16.29%	$ 35,450	6.00%	$ 47,266	8.00%

Common Equity Tier 1 Capital (to Risk Weighted Assets):
Company	$ 95,768	16.16%	$ 26,666	4.50%	$ 38,517	6.50%
Bank	$ 96,240	16.29%	$ 26,587	4.50%	$ 38,404	6.50%

Tier 1 Capital (to Average Assets):
Company	$ 103,268	10.99%	$ 37,582	4.00%	$ 46,978	5.00%
Bank	$ 96,240	10.26%	$ 37,515	4.00%	$ 46,894	5.00%

December 31, 2014
Total Capital (to Risk Weighted Assets):
Company	$ 106,891	18.55%	$ 46,105	8.00%	$ 57,631	10.00%
Bank	$ 97,498	16.97%	$ 45,969	8.00%	$ 57,462	10.00%

Tier 1 Capital (to Risk Weighted Assets):
Company	$ 99,692	17.30%	$ 23,053	4.00%	$ 34,579	6.00%
Bank	$ 90,500	15.75%	$ 22,985	4.00%	$ 34,477	6.00%

Common Equity Tier 1 Capital (to Risk Weighted Assets):
Company	N/A	N/A	N/A	N/A	N/A	N/A
Bank	N/A	N/A	N/A	N/A	N/A	N/A

Tier 1 Capital (to Average Assets):
Company	$ 99,692	10.99%	$ 36,272	4.00%	$ 45,341	5.00%
Bank	$ 90,500	10.00%	$ 36,218	4.00%	$ 45,273	5.00%

Off Balance Sheet Activities

Some financial instruments, such as loan commitments, credit lines, and letters of credit are issued to meet customer financing needs. The contractual amount of financial instruments with off-balance sheet risk was as follows at September 30, 2015 and December 31, 2014 (in thousands):

	September 30, 2015	December 31, 2014
Commitments to extend credit	$ 126,961	$ 108,951
Standby letters of credit	9,950	10,389
	$ 136,911	$ 119,340

The increase in the amount of outstanding commitments to extend credit was driven by commitments to commercial and municipal interests in our local market area.

We also offer limited overdraft protection as a non-contractual courtesy which is available to demand deposit accounts in good standing. Overdraft charges as a result of ATM withdrawals and one time point of sale (non-recurring) transactions require prior approval of the customer. The non-contractual amount of financial instruments with off-balance sheet risk at September 30, 2015 and December 31, 2014 was $12,411,000 and $12,360,000, respectively. The Company reserves the right to discontinue this service without prior notice.

Liquidity

Liquidity is a measure of the Company's ability to efficiently meet normal cash flow requirements of both borrowers and depositors. To maintain proper liquidity, we use funds management policies, which include liquidity target ratios, along with our investment policies to assure we can meet our financial obligations to depositors, credit customers and stockholders. Liquidity is needed to meet depositors' withdrawal demands, extend credit to meet borrowers' needs, provide funds for normal operating expenses and cash dividends, and to fund other capital expenditures.

Cash generated by operating activities, investing activities and financing activities influences liquidity management. Our Company's historical activity in this area can be seen in the Consolidated Statement of Cash Flows. The most important source of funds is core deposits. Repayment of principal on outstanding loans and cash flows created from the investment portfolio are also factors in liquidity management. Other sources of funding include brokered certificates of deposit and the sale of loans or investments, if needed.

The Company's use of funds is shown in the investing activity section of the Consolidated Statement of Cash Flows, where the net loan activity is presented. Other significant uses of funds include purchasing stock from the Federal Home Loan Bank (FHLB) of Pittsburgh, as well as capital expenditures. Capital expenditures (including software purchases), during the first nine months of 2015 were $633,000, primarily related to our Mill Hall branch, compared to $555,000 during the same time period in 2014.

Short-term debt from the FHLB supplements the Bank’s availability of funds. The Bank achieves liquidity primarily from temporary or short-term investments in the Federal Reserve and the FHLB. The Bank has a maximum borrowing capacity at the FHLB of approximately $251.2 million, of which $31.4 million was outstanding at September 30, 2015. Additionally, we have a Federal funds line totaling $10.0 million from a third party bank at market rates. This line is not drawn upon. We also have a borrower in custody line with the Federal Reserve Bank of approximately $8.2 million, which also is not drawn upon as of September 30, 2015. The Company continues to evaluate its liquidity needs and as necessary finds additional sources.

Citizens Financial Services, Inc. is a separate legal entity from the Bank and must provide for its own liquidity. In addition to its operating expenses, Citizens Financial is responsible for paying any dividends declared to its shareholders. Citizens Financial also has repurchased shares of its common stock. Citizens Financial’s primary source of income is dividends received from the Bank. Both federal and state laws impose restrictions on the ability of the Bank to pay dividends. In particular, the Bank may not, as a state-chartered bank which is a member of the Federal Reserve System, declare a dividend without approval of the Federal Reserve, unless the dividend to be declared by the Bank’s Board of Directors does not exceed the total of: (i) the Bank’s net profits for the current year to date, plus (ii) its retained net profits for the preceding two current years, less any required transfers to surplus. The Federal Reserve Board and the FDIC have formal and informal policies which provide that insured banks and bank holding companies should generally pay dividends only out of current operating earnings, with some exceptions. The Prompt Corrective Action Rules, described above, further limit the ability of banks to pay dividends, because banks which are not classified as well capitalized or adequately capitalized may not pay dividends and no dividend may be paid which would make the Bank undercapitalized after the dividend. At September 30, 2015, Citizens Financial Services, Inc. (on an unconsolidated basis) had liquid assets of $5.8 million.

Interest Rate and Market Risk Management

The objective of interest rate sensitivity management is to maintain an appropriate balance between the stable growth of income and the risks associated with maximizing income through interest sensitivity imbalances and the market value risk of assets and liabilities.

Because of the nature of our operations, we are not subject to foreign currency exchange or commodity price risk and, because we have no trading portfolio, we are not subject to trading risk. Currently, the Company has equity securities that represent only 0.6% of its investment portfolio and, therefore, equity risk is not significant.

The primary components of interest-sensitive assets include adjustable-rate loans and investments, loan repayments, investment maturities and money market investments. The primary components of interest-sensitive liabilities include maturing certificates of deposit, IRA certificates of deposit and short-term borrowings. Savings deposits, NOW accounts and money market investor accounts are considered core deposits and are not short-term interest sensitive (except for the top-tier money market investor accounts, typically help by local governments, which are paid current market interest rates).

Gap analysis, one of the methods used by us to analyze interest rate risk, does not necessarily show the precise impact of specific interest rate movements on our Company's net interest income because the re-pricing of certain assets and liabilities is discretionary and is subject to competitive and other pressures. In addition, assets and liabilities within the same period may, in fact, be repaid at different times and at different rate levels. We have not experienced the kind of earnings volatility that might be indicated from gap analysis.

The Company currently uses a computer simulation model to better measure the impact of interest rate changes on net interest income. We use the model as part of our risk management and asset liability management processes that we believe will effectively identify, measure, and monitor the Company’s risk exposure. In this analysis, the Company examines the results of movements in interest rates with additional assumptions made concerning prepayment speeds on mortgage loans and mortgage securities. Shock scenarios, which assume a parallel shift in interest rates and is instantaneous, typically have the greatest impact on net interest income. The following is a rate shock analysis and the impact on net interest income as of September 30, 2015 (dollars in thousands):

		Change In	% Change In
	Prospective One-Year	Prospective	Prospective
Changes in Rates	Net Interest Income	Net Interest Income	Net Interest Income
-100 Shock	$ 29,598	$ (266)	(0.89)
Base	29,864	-	-
+100 Shock	28,880	(984)	(3.29)
+200 Shock	28,130	(1,734)	(5.81)
+300 Shock	27,152	(2,712)	(9.08)
+400 Shock	26,097	(3,767)	(12.61)

The model makes estimates, at each level of interest rate change, regarding cash flows from principal repayments on loans and mortgage backed securities, call activity of other investment securities, and deposit selection, re-pricing and maturity structure. Because of these assumptions, actual results could differ significantly from these estimates which would result in significant differences in the calculated projected change on net interest income. Additionally, the changes above do not necessarily represent the level of change under which management would undertake specific measures to realign its portfolio in order to reduce the projected level of change. It should be noted that the changes in net interest income noted above are in line with Company policy for interest rate risk.

Item 3-Quantitative and Qualitative Disclosure about Market Risk

In the normal course of conducting business activities, the Company is exposed to market risk, principally interest rate risk, through the operations of its banking subsidiary. Interest rate risk arises from market driven fluctuations in interest rates that affect cash flows, income, expense and values of financial instruments and was discussed previously in this Form 10-Q. Management and a committee of the Board of Directors manage interest rate risk (see also “Interest Rate and Market Risk Management”).

Item 4-Control and Procedures

(a) Disclosure Controls and Procedures

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

(b) Changes to Internal Control over Financial Reporting

There were no changes in the Company’s internal control over financial reporting during the quarter ended September 30, 2015 that have materially affected, or are reasonable likely to materially affect, the Company’s internal control over financial reporting.

PART II - OTHER INFORMATION

Item 1 - Legal Proceedings

Management is not aware of any litigation that would have a material adverse effect on the consolidated financial position of the Company. Any pending proceedings are ordinary, routine litigation incidental to the business of the Company and its subsidiary. In addition, no material proceedings are pending or are known to be threatened or contemplated against the Company and its subsidiary by government authorities.

Item 1A – Risk Factors

In addition to the other information set forth in this report, you should carefully consider the factors discussed in Part I, “Item 1.A. Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2014, which could materially affect our business, financial condition or future results. At September 30, 2015 the risk factors of the Company have not changed materially from those reported in our Annual Report on Form 10-K. However, the risks described in our Annual Report on Form 10-K are not the only risks that we face. Additional risks and uncertainties not currently known to us or that we currently deem to be immaterial also may materially adversely affect our business, financial condition and/or operating results.

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

ISSUER PURCHASES OF EQUITY SECURITIES
Period	Total Number of Shares (or units Purchased)	Average Price Paid per Share (or Unit)	Total Number of Shares (or Units) Purchased as Part of Publicly Announced Plans of Programs	Maximum Number (or Approximate Dollar Value) of Shares (or Units) that May Yet Be Purchased Under the Plans or Programs (1)
7/1/15 to 7/31/15	-	$0.00	-	54,213
8/1/15 to 9/31/15	16,887	$48.55	16,887	37,326
9/1/15 to 9/30/15	10,579	$47.15	10,579	26,747
Total	27,466	$48.01	27,466	26,747

(1)

On January 17, 2012, the Company announced that the Board of Directors authorized the Company to repurchase up to an additional 140,000 shares. The repurchases will be conducted through open-market purchases or privately negotiated transactions and will be made from time to time depending on market conditions and other factors. No time limit was placed on the duration of the share repurchase program. Any repurchased shares will be held as treasury stock and will be available for general corporate purposes.

Item 3 - Defaults Upon Senior Securities

Not applicable.

Item 4 – Mine Safety Disclosure

Not applicable.

Item 5 - Other Information

None

Item 6 - Exhibits

(a) The following documents are filed as a part of this report:

	3.1		Articles of Incorporation of Citizens Financial Services, Inc., as amended (1)
	3.2		Bylaws of Citizens Financial Services, Inc.(2)
	4.1		Form of Common Stock Certificate.(3)
	31.1		Rule 13a-14(a)/15d-14(a) Certification of Chief Executive Officer
	31.2		Rule 13a-14(a)/15d-14(a) Certification of Chief Financial Officer
	32.1		Section 1350 Certification of Chief Executive Officer and Chief Financial Officer
	101 **		The following materials from the Company’s Quarterly Report on Form 10-Q for the period ended September 30, 2015, formatted in XBRL (Extensible Business Reporting Language): (i) The Consolidated Balance Sheet (unaudited), (ii) the Consolidated Statement of Income (unaudited), (iii) the Consolidated Statement of Comprehensive Income (unaudited), (iv) the Consolidated Statement of Cash Flows (unaudited) and (v) related notes (unaudited).

(1) Incorporated by reference to Exhibit 3.1 to the Company’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2010, as filed with the Commission on May 12, 2010.

(2) Incorporated by reference to Exhibit 3.2 to the Company’s Current Report on Form 8-K, as filed with the Commission on December 24, 2009.

(3) Incorporated by reference to Exhibit 4 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2005, as filed with the Commission on March 14, 2006.

** Furnished, not filed.

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.

	Citizens Financial Services, Inc.

November 5, 2015	By:	/s/ Randall E. Black
		Randall E. Black
		President and Chief Executive Officer (Principal Executive Officer)



November 5, 2015	By:	/s/ Mickey L. Jones
		Mickey L. Jones
		Chief Financial Officer (Principal Accounting Officer)

EX-31.1 2 ceocert.htm CERTIFICATION OF CHIEF EXECUTIVE OFFICER ceocert.htm

Exhibit 31.1

Certification of Chief Executive Officer

I, Randall E. Black, certify that:

1. I have reviewed this Form 10-Q of Citizens Financial Services, 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 us by others within those entities, particularly during the period in which this report is being prepared;

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

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

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

5. The registrant's other certifying officer(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.




November 5, 2015	By:	/s/ Randall E. Black

		Randall E. Black President and Chief Executive Officer (Principal Executive Officer)

EX-31.2 3 cfocert.htm CERTIFICATION OF CHIEF FINANCIAL OFFICER cfocert.htm

Exhibit 31.2

Certification of Chief Financial Officer

I, Mickey L. Jones, certify that:

1. I have reviewed this Form 10-Q of Citizens Financial Services, Inc.;

(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.




November 5, 2015	By:	/s/ Mickey L. Jones

		Mickey L. Jones Chief Financial Officer (Principal Accounting Officer)

EX-32.1 4 certification.htm SECTION 350 CERTIFICATIONS certification.htm

EXHIBIT 32.1

Section 1350 Certification

of Chief Executive Officer and

Chief Financial Officer

In connection with the Quarterly Report of Citizens Financial Services, Inc. (the "Company") on Form 10-Q (the "Report") for the period ending September 30, 2015 as filed with the Securities and Exchange Commission, the undersigned certify, pursuant to 18 U.S.C. Section 1350, as added by Section 906 of the Sarbanes-Oxley Act of 2002, that:

1.	The Report fully complies with the requirements of section 13(a) or 15 (d) of the Securities Exchange Act of 1934; and

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



November 5, 2015	By:	/s/ Randall E. Black
		Randall E. Black
		President and Chief Executive Officer (Principal Executive Officer)



November 5, 2015	By:	/s/ Mickey L. Jones
		Mickey L. Jones
		Chief Financial Officer (Principal Accounting Officer)

EX-101.INS 5 czfs-20150930.xml XBRL INSTANCE DOCUMENT 0000739421 2015-01-01 2015-09-30 0000739421 2015-10-26 0000739421 2015-09-30 0000739421 2014-12-31 0000739421 2015-07-01 2015-09-30 0000739421 2014-01-01 2014-09-30 0000739421 2014-07-01 2014-09-30 0000739421 2013-12-31 0000739421 2014-09-30 0000739421 us-gaap:RestrictedStockMember 2015-01-01 2015-09-30 0000739421 us-gaap:RestrictedStockMember 2014-07-01 2014-09-30 0000739421 us-gaap:RestrictedStockMember 2014-01-01 2014-09-30 0000739421 us-gaap:RestrictedStockMember 2015-07-01 2015-09-30 0000739421 us-gaap:RestrictedStockMember us-gaap:MinimumMember 2015-07-01 2015-09-30 0000739421 us-gaap:RestrictedStockMember us-gaap:MinimumMember 2014-07-01 2014-09-30 0000739421 us-gaap:RestrictedStockMember us-gaap:MaximumMember 2014-01-01 2014-09-30 0000739421 us-gaap:RestrictedStockMember us-gaap:MaximumMember 2015-01-01 2015-09-30 0000739421 us-gaap:MaximumMember us-gaap:RestrictedStockMember 2014-07-01 2014-09-30 0000739421 us-gaap:RestrictedStockMember us-gaap:MaximumMember 2015-07-01 2015-09-30 0000739421 us-gaap:RestrictedStockMember us-gaap:MinimumMember 2014-01-01 2014-09-30 0000739421 us-gaap:RestrictedStockMember us-gaap:MinimumMember 2015-01-01 2015-09-30 0000739421 2014-01-01 2014-12-31 0000739421 us-gaap:InvestmentCreditMember 2015-07-01 2015-09-30 0000739421 us-gaap:InvestmentCreditMember 2015-01-01 2015-09-30 0000739421 us-gaap:CorporateDebtSecuritiesMember 2015-09-30 0000739421 us-gaap:USStatesAndPoliticalSubdivisionsMember 2014-12-31 0000739421 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2015-09-30 0000739421 us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember 2014-12-31 0000739421 us-gaap:EquitySecuritiesMember 2014-12-31 0000739421 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2014-12-31 0000739421 us-gaap:EquitySecuritiesMember 2015-09-30 0000739421 us-gaap:USTreasurySecuritiesMember 2014-12-31 0000739421 us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-09-30 0000739421 us-gaap:CorporateDebtSecuritiesMember 2014-12-31 0000739421 us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember 2015-09-30 0000739421 czfs:CommercialAndAgriculturalRealEstateLoansMember 2014-12-31 0000739421 czfs:ConstructionRealEstateLoansMember 2015-09-30 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember 2014-12-31 0000739421 czfs:ResidentialRealEstateLoansMember 2015-09-30 0000739421 czfs:CommercialOtherLoansAndOtherAgriculturalLoansMember 2014-12-31 0000739421 czfs:CommercialAndAgriculturalRealEstateLoansMember 2015-09-30 0000739421 us-gaap:ConsumerPortfolioSegmentMember 2015-09-30 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember 2015-09-30 0000739421 czfs:ConstructionRealEstateLoansMember 2014-12-31 0000739421 us-gaap:ConsumerPortfolioSegmentMember 2014-12-31 0000739421 czfs:CommercialOtherLoansAndOtherAgriculturalLoansMember 2015-09-30 0000739421 czfs:ResidentialRealEstateLoansMember 2014-12-31 0000739421 us-gaap:MaximumMember us-gaap:FirstMortgageMember 2015-01-01 2015-09-30 0000739421 us-gaap:MinimumMember us-gaap:FirstMortgageMember 2015-01-01 2015-09-30 0000739421 us-gaap:MaximumMember us-gaap:SecondMortgageMember 2015-01-01 2015-09-30 0000739421 us-gaap:MinimumMember 2015-01-01 2015-09-30 0000739421 us-gaap:UnallocatedFinancingReceivablesMember 2015-09-30 0000739421 us-gaap:UnallocatedFinancingReceivablesMember 2014-12-31 0000739421 us-gaap:UnallocatedFinancingReceivablesMember 2014-06-30 0000739421 czfs:CommercialAndAgriculturalRealEstateLoansMember 2013-12-31 0000739421 czfs:ConstructionRealEstateLoansMember 2015-06-30 0000739421 us-gaap:ConsumerPortfolioSegmentMember 2014-06-30 0000739421 czfs:ResidentialRealEstateLoansMember 2013-12-31 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember 2015-06-30 0000739421 czfs:ConstructionRealEstateLoansMember 2013-12-31 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember 2013-12-31 0000739421 czfs:ConstructionRealEstateLoansMember 2014-06-30 0000739421 czfs:CommercialOtherLoansAndOtherAgriculturalLoansMember 2013-12-31 0000739421 us-gaap:UnallocatedFinancingReceivablesMember 2013-12-31 0000739421 us-gaap:UnallocatedFinancingReceivablesMember 2015-06-30 0000739421 us-gaap:ConsumerPortfolioSegmentMember 2013-12-31 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember 2014-06-30 0000739421 czfs:CommercialAndAgriculturalRealEstateLoansMember 2015-06-30 0000739421 czfs:CommercialOtherLoansAndOtherAgriculturalLoansMember 2014-06-30 0000739421 us-gaap:ConsumerPortfolioSegmentMember 2015-06-30 0000739421 2014-06-30 0000739421 czfs:CommercialAndAgriculturalRealEstateLoansMember 2014-06-30 0000739421 czfs:CommercialOtherLoansAndOtherAgriculturalLoansMember 2015-06-30 0000739421 2015-06-30 0000739421 czfs:ResidentialRealEstateLoansMember 2014-06-30 0000739421 czfs:ResidentialRealEstateLoansMember 2015-06-30 0000739421 czfs:CommercialAndAgriculturalRealEstateLoansMember 2015-07-01 2015-09-30 0000739421 czfs:ResidentialRealEstateLoansMember 2015-07-01 2015-09-30 0000739421 czfs:CommercialOtherLoansAndOtherAgriculturalLoansMember 2015-07-01 2015-09-30 0000739421 us-gaap:ConsumerPortfolioSegmentMember 2015-01-01 2015-09-30 0000739421 czfs:ResidentialRealEstateLoansMember 2014-01-01 2014-09-30 0000739421 us-gaap:ConsumerPortfolioSegmentMember 2014-01-01 2014-09-30 0000739421 us-gaap:ConsumerPortfolioSegmentMember 2015-07-01 2015-09-30 0000739421 us-gaap:UnallocatedFinancingReceivablesMember 2014-07-01 2014-09-30 0000739421 czfs:ConstructionRealEstateLoansMember 2014-07-01 2014-09-30 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember 2015-07-01 2015-09-30 0000739421 czfs:CommercialAndAgriculturalRealEstateLoansMember 2014-01-01 2014-09-30 0000739421 czfs:ResidentialRealEstateLoansMember 2015-01-01 2015-09-30 0000739421 us-gaap:ConsumerPortfolioSegmentMember 2014-07-01 2014-09-30 0000739421 czfs:CommercialOtherLoansAndOtherAgriculturalLoansMember 2014-01-01 2014-09-30 0000739421 czfs:ConstructionRealEstateLoansMember 2015-01-01 2015-09-30 0000739421 us-gaap:UnallocatedFinancingReceivablesMember 2014-01-01 2014-09-30 0000739421 czfs:CommercialAndAgriculturalRealEstateLoansMember 2015-01-01 2015-09-30 0000739421 us-gaap:UnallocatedFinancingReceivablesMember 2015-01-01 2015-09-30 0000739421 czfs:CommercialOtherLoansAndOtherAgriculturalLoansMember 2015-01-01 2015-09-30 0000739421 czfs:ConstructionRealEstateLoansMember 2014-01-01 2014-09-30 0000739421 czfs:CommercialAndAgriculturalRealEstateLoansMember 2014-07-01 2014-09-30 0000739421 us-gaap:UnallocatedFinancingReceivablesMember 2015-07-01 2015-09-30 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember 2014-01-01 2014-09-30 0000739421 czfs:ConstructionRealEstateLoansMember 2015-07-01 2015-09-30 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember 2015-01-01 2015-09-30 0000739421 czfs:ResidentialRealEstateLoansMember 2014-07-01 2014-09-30 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember 2014-07-01 2014-09-30 0000739421 czfs:CommercialOtherLoansAndOtherAgriculturalLoansMember 2014-07-01 2014-09-30 0000739421 czfs:ConstructionRealEstateLoansMember 2014-09-30 0000739421 us-gaap:UnallocatedFinancingReceivablesMember 2014-09-30 0000739421 czfs:CommercialAndAgriculturalRealEstateLoansMember 2014-09-30 0000739421 czfs:CommercialOtherLoansAndOtherAgriculturalLoansMember 2014-09-30 0000739421 czfs:ResidentialRealEstateLoansMember 2014-09-30 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember 2014-09-30 0000739421 us-gaap:ConsumerPortfolioSegmentMember 2014-09-30 0000739421 us-gaap:CommercialPortfolioSegmentMember 2015-09-30 0000739421 czfs:OtherAgriculturalLoansMember 2015-09-30 0000739421 czfs:RealEstateLoansMember us-gaap:CommercialRealEstateMember 2014-12-31 0000739421 czfs:RealEstateLoansMember czfs:AgriculturalMember 2014-12-31 0000739421 us-gaap:CommercialRealEstateMember czfs:RealEstateLoansMember 2015-09-30 0000739421 us-gaap:HomeEquityMember czfs:RealEstateLoansMember 2014-12-31 0000739421 czfs:ConstructionRealEstateLoansMember czfs:RealEstateLoansMember 2014-12-31 0000739421 czfs:RealEstateLoansMember czfs:AgriculturalMember 2015-09-30 0000739421 czfs:RealEstateLoansMember us-gaap:HomeEquityMember 2015-09-30 0000739421 czfs:RealEstateLoansMember czfs:ConstructionRealEstateLoansMember 2015-09-30 0000739421 us-gaap:ResidentialMortgageMember czfs:RealEstateLoansMember 2015-09-30 0000739421 czfs:RealEstateLoansMember us-gaap:ResidentialMortgageMember 2014-12-31 0000739421 us-gaap:CommercialPortfolioSegmentMember 2014-12-31 0000739421 czfs:OtherAgriculturalLoansMember 2014-12-31 0000739421 us-gaap:CommercialRealEstateMember czfs:RealEstateLoansMember 2014-01-01 2014-09-30 0000739421 us-gaap:CommercialRealEstateMember czfs:RealEstateLoansMember 2015-01-01 2015-09-30 0000739421 czfs:OtherAgriculturalLoansMember 2015-07-01 2015-09-30 0000739421 us-gaap:CommercialPortfolioSegmentMember 2014-07-01 2014-09-30 0000739421 czfs:OtherAgriculturalLoansMember 2015-01-01 2015-09-30 0000739421 us-gaap:HomeEquityMember czfs:RealEstateLoansMember 2015-07-01 2015-09-30 0000739421 us-gaap:CommercialPortfolioSegmentMember 2015-01-01 2015-09-30 0000739421 czfs:AgriculturalMember czfs:RealEstateLoansMember 2015-01-01 2015-09-30 0000739421 us-gaap:CommercialPortfolioSegmentMember 2015-07-01 2015-09-30 0000739421 czfs:RealEstateLoansMember us-gaap:CommercialRealEstateMember 2014-07-01 2014-09-30 0000739421 czfs:RealEstateLoansMember czfs:AgriculturalMember 2014-01-01 2014-09-30 0000739421 czfs:OtherAgriculturalLoansMember 2014-07-01 2014-09-30 0000739421 czfs:ConstructionRealEstateLoansMember czfs:RealEstateLoansMember 2014-01-01 2014-09-30 0000739421 czfs:RealEstateLoansMember czfs:AgriculturalMember 2015-07-01 2015-09-30 0000739421 us-gaap:ResidentialMortgageMember czfs:RealEstateLoansMember 2015-01-01 2015-09-30 0000739421 czfs:RealEstateLoansMember us-gaap:HomeEquityMember 2015-01-01 2015-09-30 0000739421 us-gaap:HomeEquityMember czfs:RealEstateLoansMember 2014-07-01 2014-09-30 0000739421 czfs:ConstructionRealEstateLoansMember czfs:RealEstateLoansMember 2014-07-01 2014-09-30 0000739421 czfs:RealEstateLoansMember us-gaap:ResidentialMortgageMember 2015-07-01 2015-09-30 0000739421 czfs:RealEstateLoansMember czfs:ConstructionRealEstateLoansMember 2015-01-01 2015-09-30 0000739421 czfs:AgriculturalMember czfs:RealEstateLoansMember 2014-07-01 2014-09-30 0000739421 us-gaap:CommercialPortfolioSegmentMember 2014-01-01 2014-09-30 0000739421 us-gaap:CommercialRealEstateMember czfs:RealEstateLoansMember 2015-07-01 2015-09-30 0000739421 czfs:OtherAgriculturalLoansMember 2014-01-01 2014-09-30 0000739421 czfs:RealEstateLoansMember us-gaap:ResidentialMortgageMember 2014-01-01 2014-09-30 0000739421 czfs:RealEstateLoansMember us-gaap:HomeEquityMember 2014-01-01 2014-09-30 0000739421 us-gaap:ResidentialMortgageMember czfs:RealEstateLoansMember 2014-07-01 2014-09-30 0000739421 czfs:RealEstateLoansMember czfs:ConstructionRealEstateLoansMember 2015-07-01 2015-09-30 0000739421 czfs:AgriculturalMember us-gaap:SpecialMentionMember czfs:RealEstateLoansMember 2014-12-31 0000739421 us-gaap:SubstandardMember czfs:OtherAgriculturalLoansMember 2015-09-30 0000739421 us-gaap:DoubtfulMember 2015-09-30 0000739421 us-gaap:SpecialMentionMember 2014-12-31 0000739421 us-gaap:DoubtfulMember czfs:OtherAgriculturalLoansMember 2015-09-30 0000739421 us-gaap:CommercialRealEstateMember us-gaap:SpecialMentionMember czfs:RealEstateLoansMember 2014-12-31 0000739421 us-gaap:SubstandardMember czfs:OtherAgriculturalLoansMember 2014-12-31 0000739421 czfs:RealEstateLoansMember us-gaap:CommercialRealEstateMember us-gaap:PassMember 2015-09-30 0000739421 us-gaap:PassMember 2015-09-30 0000739421 czfs:RealEstateLoansMember us-gaap:ConstructionLoansMember us-gaap:SpecialMentionMember 2015-09-30 0000739421 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PerformingFinancingReceivableMember 2014-12-31 0000739421 us-gaap:SubstandardMember czfs:StateAndPoliticalSubdivisionLoansMember 2014-12-31 0000739421 czfs:AgriculturalMember us-gaap:SubstandardMember czfs:RealEstateLoansMember 2015-09-30 0000739421 us-gaap:SpecialMentionMember czfs:StateAndPoliticalSubdivisionLoansMember 2015-09-30 0000739421 us-gaap:PassMember czfs:RealEstateLoansMember us-gaap:ConstructionLoansMember 2015-09-30 0000739421 czfs:OtherAgriculturalLoansMember us-gaap:SpecialMentionMember 2015-09-30 0000739421 us-gaap:HomeEquityMember czfs:RealEstateLoansMember us-gaap:PerformingFinancingReceivableMember 2014-12-31 0000739421 czfs:OtherAgriculturalLoansMember us-gaap:PassMember 2014-12-31 0000739421 us-gaap:PassMember us-gaap:ConstructionLoansMember czfs:RealEstateLoansMember 2014-12-31 0000739421 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PerformingFinancingReceivableMember 2015-09-30 0000739421 us-gaap:SubstandardMember 2015-09-30 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember us-gaap:PassMember 2015-09-30 0000739421 us-gaap:CommercialRealEstateMember us-gaap:SubstandardMember czfs:RealEstateLoansMember 2014-12-31 0000739421 us-gaap:PerformingFinancingReceivableMember czfs:RealEstateLoansMember us-gaap:ResidentialMortgageMember 2015-09-30 0000739421 us-gaap:SpecialMentionMember czfs:OtherAgriculturalLoansMember 2014-12-31 0000739421 us-gaap:DoubtfulMember us-gaap:ConstructionLoansMember czfs:RealEstateLoansMember 2015-09-30 0000739421 czfs:LossMember 2015-09-30 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember us-gaap:DoubtfulMember 2014-12-31 0000739421 czfs:LossMember 2014-12-31 0000739421 czfs:RealEstateLoansMember czfs:LossMember us-gaap:ConstructionLoansMember 2015-09-30 0000739421 czfs:RealEstateLoansMember us-gaap:SpecialMentionMember czfs:AgriculturalMember 2015-09-30 0000739421 czfs:LossMember us-gaap:CommercialRealEstateMember czfs:RealEstateLoansMember 2015-09-30 0000739421 czfs:AgriculturalMember czfs:LossMember czfs:RealEstateLoansMember 2015-09-30 0000739421 us-gaap:CommercialPortfolioSegmentMember czfs:LossMember 2015-09-30 0000739421 us-gaap:NonperformingFinancingReceivableMember czfs:RealEstateLoansMember us-gaap:ResidentialMortgageMember 2014-12-31 0000739421 czfs:InternallyAssignedGrade1Member 2015-09-30 0000739421 czfs:LossMember czfs:OtherAgriculturalLoansMember 2015-09-30 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember czfs:LossMember 2015-09-30 0000739421 us-gaap:CommercialRealEstateMember czfs:LossMember czfs:RealEstateLoansMember 2014-12-31 0000739421 czfs:AgriculturalMember czfs:LossMember czfs:RealEstateLoansMember 2014-12-31 0000739421 czfs:AgriculturalMember us-gaap:DoubtfulMember czfs:RealEstateLoansMember 2015-09-30 0000739421 czfs:LossMember us-gaap:ConstructionLoansMember czfs:RealEstateLoansMember 2014-12-31 0000739421 czfs:LossMember us-gaap:CommercialPortfolioSegmentMember 2014-12-31 0000739421 us-gaap:NonperformingFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember 2014-12-31 0000739421 czfs:LossMember czfs:OtherAgriculturalLoansMember 2014-12-31 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember czfs:LossMember 2014-12-31 0000739421 us-gaap:CommercialRealEstateMember us-gaap:PassMember czfs:RealEstateLoansMember 2014-12-31 0000739421 us-gaap:ConstructionLoansMember czfs:RealEstateLoansMember 2014-12-31 0000739421 czfs:RealEstateLoansMember us-gaap:HomeEquityMember us-gaap:NonperformingFinancingReceivableMember 2014-12-31 0000739421 czfs:OtherAgriculturalLoansMember us-gaap:DoubtfulMember 2014-12-31 0000739421 us-gaap:SpecialMentionMember 2015-09-30 0000739421 czfs:AgriculturalMember us-gaap:PassMember czfs:RealEstateLoansMember 2015-09-30 0000739421 us-gaap:PassMember us-gaap:CommercialPortfolioSegmentMember 2014-12-31 0000739421 us-gaap:DoubtfulMember 2014-12-31 0000739421 us-gaap:SpecialMentionMember czfs:RealEstateLoansMember us-gaap:ConstructionLoansMember 2014-12-31 0000739421 czfs:InternallyAssignedGrade1Member 2014-12-31 0000739421 us-gaap:PassMember us-gaap:CommercialPortfolioSegmentMember 2015-09-30 0000739421 us-gaap:PerformingFinancingReceivableMember 2014-12-31 0000739421 us-gaap:ConsumerPortfolioSegmentMember us-gaap:NonperformingFinancingReceivableMember 2015-09-30 0000739421 czfs:AgriculturalMember us-gaap:DoubtfulMember czfs:RealEstateLoansMember 2014-12-31 0000739421 us-gaap:SubstandardMember us-gaap:CommercialRealEstateMember czfs:RealEstateLoansMember 2015-09-30 0000739421 czfs:RealEstateLoansMember us-gaap:ConstructionLoansMember 2015-09-30 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember us-gaap:DoubtfulMember 2015-09-30 0000739421 us-gaap:SubstandardMember 2014-12-31 0000739421 czfs:RealEstateLoansMember us-gaap:SubstandardMember us-gaap:ConstructionLoansMember 2014-12-31 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember us-gaap:SubstandardMember 2015-09-30 0000739421 us-gaap:SpecialMentionMember czfs:StateAndPoliticalSubdivisionLoansMember 2014-12-31 0000739421 us-gaap:ResidentialMortgageMember us-gaap:NonperformingFinancingReceivableMember czfs:RealEstateLoansMember 2015-09-30 0000739421 us-gaap:PerformingFinancingReceivableMember 2015-09-30 0000739421 us-gaap:SubstandardMember us-gaap:CommercialPortfolioSegmentMember 2015-09-30 0000739421 us-gaap:CommercialPortfolioSegmentMember us-gaap:SpecialMentionMember 2014-12-31 0000739421 czfs:RealEstateLoansMember us-gaap:ConstructionLoansMember us-gaap:DoubtfulMember 2014-12-31 0000739421 us-gaap:SubstandardMember czfs:RealEstateLoansMember czfs:AgriculturalMember 2014-12-31 0000739421 czfs:RealEstateLoansMember us-gaap:NonperformingFinancingReceivableMember us-gaap:HomeEquityMember 2015-09-30 0000739421 us-gaap:PassMember 2014-12-31 0000739421 czfs:RealEstateLoansMember us-gaap:PerformingFinancingReceivableMember us-gaap:HomeEquityMember 2015-09-30 0000739421 us-gaap:NonperformingFinancingReceivableMember 2014-12-31 0000739421 us-gaap:SubstandardMember us-gaap:CommercialPortfolioSegmentMember 2014-12-31 0000739421 us-gaap:SpecialMentionMember us-gaap:CommercialRealEstateMember czfs:RealEstateLoansMember 2015-09-30 0000739421 us-gaap:PassMember czfs:OtherAgriculturalLoansMember 2015-09-30 0000739421 us-gaap:PassMember czfs:RealEstateLoansMember czfs:AgriculturalMember 2014-12-31 0000739421 us-gaap:ResidentialMortgageMember czfs:RealEstateLoansMember us-gaap:PerformingFinancingReceivableMember 2014-12-31 0000739421 us-gaap:SpecialMentionMember us-gaap:CommercialPortfolioSegmentMember 2015-09-30 0000739421 us-gaap:DoubtfulMember us-gaap:CommercialPortfolioSegmentMember 2015-09-30 0000739421 us-gaap:PassMember czfs:StateAndPoliticalSubdivisionLoansMember 2014-12-31 0000739421 czfs:RealEstateLoansMember us-gaap:DoubtfulMember us-gaap:CommercialRealEstateMember 2015-09-30 0000739421 us-gaap:SubstandardMember czfs:RealEstateLoansMember us-gaap:ConstructionLoansMember 2015-09-30 0000739421 us-gaap:CommercialPortfolioSegmentMember us-gaap:DoubtfulMember 2014-12-31 0000739421 us-gaap:NonperformingFinancingReceivableMember 2015-09-30 0000739421 us-gaap:CommercialRealEstateMember czfs:RealEstateLoansMember us-gaap:DoubtfulMember 2014-12-31 0000739421 czfs:AgriculturalMember czfs:RealEstateLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000739421 us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember czfs:RealEstateLoansMember 2015-09-30 0000739421 czfs:OtherAgriculturalLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000739421 us-gaap:FinancingReceivables30To59DaysPastDueMember czfs:AgriculturalMember czfs:RealEstateLoansMember 2014-12-31 0000739421 czfs:OtherAgriculturalLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000739421 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000739421 us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember czfs:RealEstateLoansMember 2015-09-30 0000739421 us-gaap:FinancingReceivables60To89DaysPastDueMember czfs:StateAndPoliticalSubdivisionLoansMember 2015-09-30 0000739421 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:CommercialRealEstateMember czfs:RealEstateLoansMember 2015-09-30 0000739421 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:ConstructionLoansMember czfs:RealEstateLoansMember 2014-12-31 0000739421 us-gaap:FinancingReceivables30To59DaysPastDueMember czfs:OtherAgriculturalLoansMember 2015-09-30 0000739421 czfs:OtherCommercialLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000739421 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000739421 us-gaap:FinancingReceivables30To59DaysPastDueMember czfs:StateAndPoliticalSubdivisionLoansMember 2015-09-30 0000739421 us-gaap:HomeEquityMember us-gaap:FinancingReceivables30To59DaysPastDueMember czfs:RealEstateLoansMember 2014-12-31 0000739421 czfs:AgriculturalMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember czfs:RealEstateLoansMember 2015-09-30 0000739421 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ConsumerPortfolioSegmentMember 2015-09-30 0000739421 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-09-30 0000739421 us-gaap:FinancingReceivables60To89DaysPastDueMember czfs:RealEstateLoansMember us-gaap:ConstructionLoansMember 2015-09-30 0000739421 us-gaap:CommercialRealEstateMember czfs:RealEstateLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000739421 us-gaap:FinancingReceivables60To89DaysPastDueMember czfs:RealEstateLoansMember us-gaap:HomeEquityMember 2015-09-30 0000739421 us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-09-30 0000739421 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember czfs:RealEstateLoansMember us-gaap:CommercialRealEstateMember 2014-12-31 0000739421 us-gaap:ConstructionLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember czfs:RealEstateLoansMember 2015-09-30 0000739421 us-gaap:CommercialRealEstateMember czfs:RealEstateLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-09-30 0000739421 czfs:OtherAgriculturalLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000739421 us-gaap:ResidentialMortgageMember czfs:RealEstateLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000739421 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember czfs:StateAndPoliticalSubdivisionLoansMember 2014-12-31 0000739421 us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000739421 us-gaap:FinancingReceivables30To59DaysPastDueMember czfs:OtherCommercialLoansMember 2015-09-30 0000739421 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-09-30 0000739421 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000739421 us-gaap:FinancingReceivables30To59DaysPastDueMember czfs:RealEstateLoansMember us-gaap:HomeEquityMember 2015-09-30 0000739421 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:ConsumerPortfolioSegmentMember 2015-09-30 0000739421 us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000739421 us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember czfs:RealEstateLoansMember 2015-09-30 0000739421 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:HomeEquityMember czfs:RealEstateLoansMember 2014-12-31 0000739421 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember czfs:OtherAgriculturalLoansMember 2015-09-30 0000739421 us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-09-30 0000739421 us-gaap:FinancingReceivables30To59DaysPastDueMember czfs:RealEstateLoansMember us-gaap:ResidentialMortgageMember 2014-12-31 0000739421 us-gaap:FinancingReceivables60To89DaysPastDueMember czfs:OtherCommercialLoansMember 2015-09-30 0000739421 czfs:OtherCommercialLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000739421 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000739421 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ConstructionLoansMember czfs:RealEstateLoansMember 2014-12-31 0000739421 us-gaap:ConstructionLoansMember czfs:RealEstateLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-09-30 0000739421 us-gaap:FinancingReceivables60To89DaysPastDueMember czfs:RealEstateLoansMember czfs:AgriculturalMember 2015-09-30 0000739421 us-gaap:FinancingReceivables30To59DaysPastDueMember czfs:RealEstateLoansMember czfs:AgriculturalMember 2015-09-30 0000739421 us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:ResidentialMortgageMember czfs:RealEstateLoansMember 2014-12-31 0000739421 czfs:OtherAgriculturalLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-09-30 0000739421 us-gaap:FinancingReceivables60To89DaysPastDueMember czfs:StateAndPoliticalSubdivisionLoansMember 2014-12-31 0000739421 us-gaap:FinancingReceivables30To59DaysPastDueMember czfs:StateAndPoliticalSubdivisionLoansMember 2014-12-31 0000739421 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:HomeEquityMember czfs:RealEstateLoansMember 2015-09-30 0000739421 czfs:OtherCommercialLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000739421 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember czfs:OtherCommercialLoansMember 2015-09-30 0000739421 us-gaap:CommercialRealEstateMember czfs:RealEstateLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000739421 czfs:AgriculturalMember czfs:RealEstateLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000739421 czfs:RealEstateLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:ConstructionLoansMember 2014-12-31 0000739421 czfs:RealEstateLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ResidentialMortgageMember 2015-09-30 0000739421 czfs:OtherCommercialLoansMember 2015-09-30 0000739421 czfs:StateAndPoliticalSubdivisionLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-09-30 0000739421 czfs:OtherCommercialLoansMember 2014-12-31 0000739421 us-gaap:FinancingReceivables60To89DaysPastDueMember czfs:RealEstateLoansMember us-gaap:HomeEquityMember 2014-12-31 0000739421 czfs:RealEstateLoansMember czfs:TermModificationMember us-gaap:ResidentialMortgageMember 2015-01-01 2015-09-30 0000739421 czfs:TermModificationMember 2014-01-01 2014-09-30 0000739421 czfs:RealEstateLoansMember us-gaap:CommercialRealEstateMember czfs:TermModificationMember 2014-01-01 2014-09-30 0000739421 czfs:InterestModificationMember czfs:RealEstateLoansMember us-gaap:ResidentialMortgageMember 2015-01-01 2015-09-30 0000739421 czfs:RealEstateLoansMember czfs:InterestModificationMember us-gaap:CommercialRealEstateMember 2014-01-01 2014-09-30 0000739421 czfs:InterestModificationMember 2015-01-01 2015-09-30 0000739421 czfs:TermModificationMember 2015-01-01 2015-09-30 0000739421 czfs:InterestModificationMember 2014-01-01 2014-09-30 0000739421 czfs:ConsumerResidentialMortgagesMember 2015-09-30 0000739421 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:MaturityUpTo30DaysMember 2014-12-31 0000739421 us-gaap:Maturity30To90DaysMember us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2014-12-31 0000739421 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:Maturity30To90DaysMember 2015-09-30 0000739421 us-gaap:MaturityUpTo30DaysMember 2015-09-30 0000739421 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:MaturityOver90DaysMember 2015-09-30 0000739421 us-gaap:MaturityOver90DaysMember 2015-09-30 0000739421 us-gaap:MaturityOver90DaysMember 2014-12-31 0000739421 us-gaap:Maturity30To90DaysMember 2014-12-31 0000739421 czfs:MaturityOvernightAndContinuousMember 2015-09-30 0000739421 us-gaap:USGovernmentAgenciesDebtSecuritiesMember czfs:MaturityOvernightAndContinuousMember 2015-09-30 0000739421 us-gaap:MaturityUpTo30DaysMember 2014-12-31 0000739421 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:MaturityOver90DaysMember 2014-12-31 0000739421 czfs:MaturityOvernightAndContinuousMember 2014-12-31 0000739421 czfs:MaturityOvernightAndContinuousMember us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2014-12-31 0000739421 us-gaap:Maturity30To90DaysMember 2015-09-30 0000739421 us-gaap:MaturityUpTo30DaysMember us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2015-09-30 0000739421 us-gaap:PensionPlansDefinedBenefitMember 2015-07-01 2015-09-30 0000739421 us-gaap:PensionPlansDefinedBenefitMember 2014-07-01 2014-09-30 0000739421 us-gaap:PensionPlansDefinedBenefitMember 2014-01-01 2014-09-30 0000739421 us-gaap:PensionPlansDefinedBenefitMember 2015-01-01 2015-09-30 0000739421 us-gaap:DeferredCompensationShareBasedPaymentsMember 2014-12-31 0000739421 us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember 2015-09-30 0000739421 us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember 2014-12-31 0000739421 us-gaap:DeferredCompensationShareBasedPaymentsMember 2015-09-30 0000739421 us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember 2015-07-01 2015-09-30 0000739421 us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember 2015-01-01 2015-09-30 0000739421 us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember 2014-01-01 2014-09-30 0000739421 us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember 2014-07-01 2014-09-30 0000739421 us-gaap:DirectorMember 2015-01-01 2015-09-30 0000739421 us-gaap:DirectorMember 2015-07-01 2015-09-30 0000739421 us-gaap:DirectorMember 2014-07-01 2014-09-30 0000739421 us-gaap:DirectorMember 2014-01-01 2014-09-30 0000739421 us-gaap:RestrictedStockMember 2015-09-30 0000739421 us-gaap:RestrictedStockMember 2014-12-31 0000739421 us-gaap:RestrictedStockMember 2014-06-30 0000739421 us-gaap:RestrictedStockMember 2015-06-30 0000739421 us-gaap:RestrictedStockMember 2013-12-31 0000739421 us-gaap:RestrictedStockMember 2014-07-01 2014-09-30 0000739421 us-gaap:RestrictedStockMember 2014-01-01 2014-09-30 0000739421 us-gaap:RestrictedStockMember 2015-01-01 2015-09-30 0000739421 us-gaap:RestrictedStockMember 2015-07-01 2015-09-30 0000739421 us-gaap:RestrictedStockMember 2014-09-30 0000739421 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2015-06-30 0000739421 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2014-06-30 0000739421 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2013-12-31 0000739421 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2015-06-30 0000739421 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2014-06-30 0000739421 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2013-12-31 0000739421 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2014-12-31 0000739421 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2014-12-31 0000739421 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2014-01-01 2014-09-30 0000739421 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2015-01-01 2015-09-30 0000739421 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2014-07-01 2014-09-30 0000739421 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2015-01-01 2015-09-30 0000739421 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2014-01-01 2014-09-30 0000739421 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2014-07-01 2014-09-30 0000739421 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2015-07-01 2015-09-30 0000739421 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2015-07-01 2015-09-30 0000739421 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2015-09-30 0000739421 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2014-09-30 0000739421 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2015-09-30 0000739421 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2014-09-30 0000739421 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2015-07-01 2015-09-30 0000739421 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2014-01-01 2014-09-30 0000739421 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2015-01-01 2015-09-30 0000739421 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2014-07-01 2014-09-30 0000739421 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2015-01-01 2015-09-30 0000739421 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2014-07-01 2014-09-30 0000739421 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2014-01-01 2014-09-30 0000739421 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2015-07-01 2015-09-30 0000739421 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2015-07-01 2015-09-30 0000739421 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2014-01-01 2014-09-30 0000739421 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2014-07-01 2014-09-30 0000739421 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2015-01-01 2015-09-30 0000739421 us-gaap:FairValueMeasurementsRecurringMember 2015-09-30 0000739421 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2015-09-30 0000739421 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2015-09-30 0000739421 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2014-12-31 0000739421 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2014-12-31 0000739421 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2014-12-31 0000739421 us-gaap:FairValueMeasurementsRecurringMember 2014-12-31 0000739421 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2015-09-30 0000739421 us-gaap:FairValueMeasurementsNonrecurringMember 2015-09-30 0000739421 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2015-09-30 0000739421 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2014-12-31 0000739421 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member 2015-09-30 0000739421 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsNonrecurringMember 2015-09-30 0000739421 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2014-12-31 0000739421 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsNonrecurringMember 2014-12-31 0000739421 us-gaap:FairValueMeasurementsNonrecurringMember 2014-12-31 0000739421 czfs:AppraisedCollateralValuesMember czfs:ImpairedLoansMember 2014-12-31 0000739421 czfs:DiscountedCashFlowsMember czfs:ImpairedLoansMember 2014-12-31 0000739421 czfs:ImpairedLoansMember czfs:DiscountedCashFlowsMember 2015-09-30 0000739421 czfs:AppraisedCollateralValuesMember czfs:ImpairedLoansMember 2015-09-30 0000739421 czfs:AppraisedCollateralValuesMember czfs:OtherRealEstateOwnedMember 2014-12-31 0000739421 czfs:AppraisedCollateralValuesMember czfs:OtherRealEstateOwnedMember 2015-09-30 0000739421 czfs:DiscountedCashFlowsMember czfs:ImpairedLoansMember 2014-01-01 2014-12-31 0000739421 czfs:AppraisedCollateralValuesMember czfs:ImpairedLoansMember 2015-01-01 2015-09-30 0000739421 czfs:OtherRealEstateOwnedMember czfs:AppraisedCollateralValuesMember 2014-01-01 2014-12-31 0000739421 czfs:AppraisedCollateralValuesMember czfs:OtherRealEstateOwnedMember 2015-01-01 2015-09-30 0000739421 czfs:ImpairedLoansMember czfs:DiscountedCashFlowsMember 2015-01-01 2015-09-30 0000739421 czfs:AppraisedCollateralValuesMember czfs:ImpairedLoansMember 2014-01-01 2014-12-31 0000739421 czfs:ImpairedLoansMember czfs:DiscountedCashFlowsMember us-gaap:MinimumMember 2015-01-01 2015-09-30 0000739421 us-gaap:MaximumMember czfs:DiscountedCashFlowsMember czfs:ImpairedLoansMember 2015-01-01 2015-09-30 0000739421 czfs:DiscountedCashFlowsMember czfs:ImpairedLoansMember us-gaap:WeightedAverageMember 2015-01-01 2015-09-30 0000739421 czfs:ImpairedLoansMember us-gaap:MinimumMember czfs:DiscountedCashFlowsMember 2014-01-01 2014-12-31 0000739421 czfs:DiscountedCashFlowsMember czfs:ImpairedLoansMember us-gaap:MaximumMember 2014-01-01 2014-12-31 0000739421 us-gaap:WeightedAverageMember czfs:ImpairedLoansMember czfs:DiscountedCashFlowsMember 2014-01-01 2014-12-31 0000739421 czfs:AppraisedCollateralValuesMember czfs:ImpairedLoansMember us-gaap:MaximumMember 2014-01-01 2014-12-31 0000739421 czfs:OtherRealEstateOwnedMember czfs:AppraisedCollateralValuesMember us-gaap:MinimumMember 2014-01-01 2014-12-31 0000739421 czfs:OtherRealEstateOwnedMember czfs:AppraisedCollateralValuesMember us-gaap:MaximumMember 2014-01-01 2014-12-31 0000739421 us-gaap:WeightedAverageMember czfs:AppraisedCollateralValuesMember czfs:OtherRealEstateOwnedMember 2015-01-01 2015-09-30 0000739421 czfs:ImpairedLoansMember czfs:AppraisedCollateralValuesMember us-gaap:WeightedAverageMember 2015-01-01 2015-09-30 0000739421 czfs:AppraisedCollateralValuesMember czfs:OtherRealEstateOwnedMember us-gaap:MinimumMember 2015-01-01 2015-09-30 0000739421 czfs:OtherRealEstateOwnedMember czfs:AppraisedCollateralValuesMember us-gaap:MaximumMember 2015-01-01 2015-09-30 0000739421 czfs:ImpairedLoansMember us-gaap:MinimumMember czfs:AppraisedCollateralValuesMember 2015-01-01 2015-09-30 0000739421 czfs:ImpairedLoansMember us-gaap:MaximumMember czfs:AppraisedCollateralValuesMember 2015-01-01 2015-09-30 0000739421 czfs:AppraisedCollateralValuesMember czfs:ImpairedLoansMember us-gaap:MinimumMember 2014-01-01 2014-12-31 0000739421 czfs:ImpairedLoansMember czfs:AppraisedCollateralValuesMember us-gaap:WeightedAverageMember 2014-01-01 2014-12-31 0000739421 czfs:AppraisedCollateralValuesMember us-gaap:WeightedAverageMember czfs:OtherRealEstateOwnedMember 2014-01-01 2014-12-31 0000739421 us-gaap:FairValueInputsLevel3Member 2015-09-30 0000739421 us-gaap:FairValueInputsLevel1Member 2015-09-30 0000739421 us-gaap:FairValueInputsLevel2Member 2015-09-30 0000739421 us-gaap:FairValueInputsLevel3Member 2014-12-31 0000739421 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2014-12-31 0000739421 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2015-09-30 0000739421 us-gaap:FairValueInputsLevel2Member 2014-12-31 0000739421 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2014-12-31 0000739421 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2015-09-30 0000739421 us-gaap:FairValueInputsLevel1Member 2014-12-31 xbrli:shares iso4217:USD iso4217:USD xbrli:shares czfs:Partnership czfs:Security xbrli:pure czfs:Contract false --12-31 2015-09-30 No No Yes Accelerated Filer CITIZENS FINANCIAL SERVICES INC 0000739421 3001071 2015 Q3 10-Q

-1632000

-1521000

693000

756000

693000

756000

842000

767000

-2259000

-1101000

171000

-1117000

2430000

1100000

2201000

-108000

-1225000

3093000

-2326000

3067000

1513000

2605000

-2225000

-1092000

25150000

25131000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following tables roll forward the balance of the ALLL by portfolio segment for the three and nine month periods ended September 30, 2015 and 2014, respectively (in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at</div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at</div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> September 30, 2015</div></td></tr><tr><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         931</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       (18)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         913</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,679</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                4</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          120</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,803</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              14</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              3</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              17</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              89</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (11)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              13</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              91</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,502</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (40)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (17)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,445</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            568</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            18</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            586</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            176</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            14</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            190</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,959</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (51)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           17</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       120</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      7,045</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         878</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (34)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="left" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         69</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         913</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,870</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (56)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              11</div></td><td align="left" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (22)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,803</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              26</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="left" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            (9)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              17</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              84</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (35)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              25</div></td><td align="left" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            17</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              91</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,224</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (41)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="left" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          262</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,445</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            545</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="left" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            41</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            586</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            188</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              2</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            190</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,815</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        (166)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           36</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       360</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      7,045</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2014</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         879</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           7</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         886</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,809</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (11)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                4</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (99)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,703</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              13</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            10</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              23</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              86</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (26)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                6</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            20</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              86</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Commercial and other loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,151</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (58)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            70</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,163</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            455</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            (5)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            450</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            358</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          147</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            505</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,751</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (95)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           10</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       150</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,816</div></td></tr></table><div> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at December 31, 2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2014</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         946</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (45)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       (15)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         886</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         4,558</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (486)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                9</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        (378)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,703</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              50</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (27)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              23</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            105</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (40)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              21</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              86</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Commercial and other loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            942</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (221)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          442</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,163</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            330</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          120</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            450</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            167</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          338</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            505</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      7,098</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        (792)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           30</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       480</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,816</div></td></tr></table></div></div></div>

2696

1938

2913

2696

8494

230

206

7748

1792

1429

953977000

925048000

44998000

17133000

5025000

3596000

10067000

5399000

4317000

36508000

27382000

505000

37506000

590000

81089000

306146000

300630000

150885000

13958000

4849000

1757000

98165000

12707000

1690000

105036000

164102000

29728000

23899000

300630000

304456000

298873000

306146000

1757000

306146000

1690000

300630000

161984000

7707000

67011000

250000

4849000

4747000

2167000

18150000

8584000

2229000

43642000

10986000

31000

110000

104000

184000

16000

134000

1000

19000

23000

4000

10000

368000

305000

4915000

2946000

103000

3854000

190000

1113000

448000

553000

5603000

638000

916000

23000

268000

95000

41000

155000

85000

37000

39000

99000

600000

10000

182700000

186400000

71024000

7254000

7566000

103519000

8212000

21053000

21880000

12180000

4567000

4849000

55656000

590000

163761000

41000

39000

268000

23000

916000

95000

37000

85000

99000

600000

155000

10000

6593000

46018000

294664000

12643000

101281000

163012000

29397000

1137000

150847000

1319000

4944000

95374000

301459000

295983000

13853000

23635000

6606000

82488000

10000

16000

51000

95000

80000

33000

84000

7000

782000

84000

490000

11000

298873000

129000

242000

441000

488000

242000

430000

129000

20773000

20309000

158000

464000

366000

124000

9437000

10091000

10314000

11423000

10314000

11423000

10314000

11423000

10314000

10083000

11323000

1240000

-1109000

5960000

6460000

3335000

3335236

1.000

0.510

1.772

1.320

15000000

1.00

9241000

12647000

3528000

3781000

44657000

41799000

38219000

12882000

29096000

16593000

44657000

21626000

41799000

41978000

17000

5000

4000

15000

562000

-39000

201000

55000

215000

60000

400000

281000

128000

311000

104000

60000

-3000

-11000

131000

590000

533000

197000

243000

969000

1304000

1198000

952000

35000

106000

114000

38000

110000

77000

230000

242000

797848000

773933000

799026000

774387000

797848000

550646000

773933000

248380000

525166000

249221000

370000

358000

168000

159000

35000

40000

0.95

3.26

3.04

1.11

0.95

3.03

3.26

P2Y6M29D

349000

280000

108000

323000

86000

0.055

0.0319

0.055

0.0199

Discounted Cash Flows

Appraised Collateral Values

Discounted Cash Flows

Appraised Collateral Values

0.3

0.2

0.1666

0.2

0.3

0.22

0.2

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table provides a listing of the significant unobservable inputs used in the fair value measurement process for items valued utilizing level III techniques (dollars in thousands).</div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Valuation Technique(s)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unobservable input</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Range</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Impaired Loans</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  206</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discounted Cash Flows</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount in interest rates</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-5.5%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.19%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  7,748</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-30%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">16.66%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5%-10%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">13.25%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12 months</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other real estate owned</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  1,429</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-20%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">20%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4%-10%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12 months</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Valuation Technique(s)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unobservable input</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Range</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Impaired Loans</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  230</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discounted Cash Flows</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount in interest rates</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-5.5%</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.99%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  8,494</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-30%</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">22.00%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4%-10%</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">8.55%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">15 months</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other real estate owned</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  1,792</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-20%</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">20%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4%-10%</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12 months</div></td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Note 10 – Fair Value Measurements</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The Company established a hierarchal disclosure framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined by this hierarchy are as follows:</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr><td align="left" valign="top" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I:</div></td><td align="left" valign="top" style="width: 93%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Quoted prices are available in active markets for identical assets or liabilities as of the reported date.</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr><td align="left" valign="top" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II:</div></td><td align="left" valign="top" style="width: 93%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities include items for which quoted prices are available but traded less frequently, and items that are fair valued using other financial instruments, the parameters of which can be directly observed.</div></td></tr></table><div> </div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr><td align="left" valign="top" style="width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III:</div></td><td align="left" valign="top" style="width: 93%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality, the Company's creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. Our valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Transfers between levels of the fair value hierarchy are recognized on the actual date of the event or circumstances that caused the transfer, which generally coincides with the Company’s monthly and/or quarterly valuation process.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial Instruments Recorded at Fair Value on a Recurring Basis</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The fair values of securities available for sale are determined by quoted prices in active markets, when available, and classified as Level I. If quoted market prices are not available, the fair value is determined by a matrix pricing, which is a mathematical technique, widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities and classified as Level II. The fair values consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things.</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following tables present the assets and liabilities reported on the Consolidated Balance Sheet at their fair value on a recurring basis as of September 30, 2015 and December 31, 2014 by level within the fair value hierarchy (in thousands). Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Assets</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr><td align="left" valign="top" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Securities available for sale:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     U.S. Agency securities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             164,102</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             164,102</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Obligations of state and</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        political subdivisions</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">98,165</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">98,165</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Corporate obligations</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12,707</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12,707</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgage-backed securities in</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       government sponsored entities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">23,899</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">23,899</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Equity securities in financial</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       institutions</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           1,757</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                            -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,757</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="top" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Securities available for sale:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     U.S. agency securities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             150,885</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             150,885</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     U.S. treasuries securities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4,849</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4,849</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Obligations of state and</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       political subdivisions</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">105,036</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">105,036</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Corporate obligations</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">13,958</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">13,958</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgage-backed securities in</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       government sponsored entities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">29,728</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">29,728</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Equity securities in financial</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       institutions</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           1,690</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                            -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       -</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,690</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial Instruments, Non-Financial Assets and Non-Financial Liabilities Recorded at Fair Value on a Nonrecurring Basis</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The Company may be required, from time to time, to measure certain financial assets, financial liabilities, non-financial assets and non-financial liabilities at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles. These include assets that are measured at the lower of cost or market value that were recognized at fair value below cost at the end of the period. Certain non-financial assets measured at fair value on a non-recurring basis include foreclosed assets (upon initial recognition or subsequent impairment).</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Non-financial assets measured at fair value on a non-recurring basis during 2015 and 2014 include certain foreclosed assets which, upon initial recognition, were remeasured and reported at fair value through a charge-off to the allowance for possible loan losses and certain foreclosed assets which, subsequent to their initial recognition, were remeasured at fair value through a write-down included in other non-interest expense.</div><div style="display: block; text-indent: 0pt;"><br /></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><font style="font-weight: bold; font-style: italic; display: inline;">Impaired Loans - </font>Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment using one of several methods, including collateral value, liquidation value and discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. Collateral values are estimated using Level II inputs based on observable market data and Level III inputs based on customized discounting criteria. For a majority of impaired real estate related loans, the Company obtains a current external appraisal. Other valuation techniques are used as well, including internal valuations, comparable property analysis and contractual sales information.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><font style="font-weight: bold; font-style: italic; display: inline;">Other Real Estate owned – </font>Other real estate owned, which is obtained through the Bank’s foreclosure process, is valued utilizing the appraised collateral value. Collateral values are estimated using Level II inputs based on observable market data and Level III inputs based on customized discounting criteria. At the time the foreclosure is completed, the Company obtains an updated external appraisal.</div></td></tr></table></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;"><br />Assets measured at fair value on a nonrecurring basis as of September 30, 2015 and December 31, 2014 are included in the table below (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Impaired Loans</div></td><td align="left" valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                         -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            7,954</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 7,954</div></td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Other real estate owned</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                            -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,429</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,429</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Impaired Loans</div></td><td align="left" valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                         -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            8,724</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 8,724</div></td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Other real estate owned</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                            -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               1,792</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,792</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table provides a listing of the significant unobservable inputs used in the fair value measurement process for items valued utilizing level III techniques (dollars in thousands).</div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Valuation Technique(s)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unobservable input</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Range</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Impaired Loans</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  206</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discounted Cash Flows</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount in interest rates</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-5.5%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3.19%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  7,748</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-30%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">16.66%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">5%-10%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">13.25%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12 months</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other real estate owned</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  1,429</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-20%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">20%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4%-10%</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 17%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12 months</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Valuation Technique(s)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unobservable input</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Range</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Impaired Loans</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  230</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discounted Cash Flows</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount in interest rates</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-5.5%</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1.99%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  8,494</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-30%</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">22.00%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4%-10%</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">8.55%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">15 months</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 19%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 22%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other real estate owned</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  1,792</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0-20%</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">20%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4%-10%</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">9%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 19%;">  </td><td align="left" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">0 - 18 months</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">12 months</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The fair values of the Company’s financial instruments are as follows (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 32%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Carrying</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td></tr><tr><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial assets:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and due from banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   10,314</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   10,314</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   10,314</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest bearing time deposits with other banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        6,460</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        6,465</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6,465</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    300,630</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    300,630</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,757</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> 298,873</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans held for sale</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,248</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,248</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,248</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    575,964</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    605,361</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    605,361</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank owned life insurance</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,773</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,773</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,773</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Regulatory stock</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,983</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,983</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,983</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest receivable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,566</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,566</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,566</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 32%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial liabilities:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Deposits</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 797,848</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 799,026</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 550,646</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 248,380</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Borrowed funds</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      44,657</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      41,978</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      12,882</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      29,096</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest payable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           693</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           693</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">693</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 32%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Carrying</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td></tr><tr><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial assets:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and due from banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   11,423</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   11,423</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   11,423</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest bearing time deposits with other banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,960</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,969</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,969</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    306,146</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    306,146</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,690</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> 304,456</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans held for sale</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           497</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           497</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           497</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    547,290</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    564,944</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    564,944</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank owned life insurance</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,309</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,309</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,309</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Regulatory stock</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,035</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,035</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,035</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest receivable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,644</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,644</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,644</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 32%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial liabilities:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Deposits</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 773,933</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 774,387</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 525,166</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 249,221</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Borrowed funds</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      41,799</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      38,219</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      16,593</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      21,626</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest payable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           756</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           756</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">756</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr></table></div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div><div style="font-size: 8pt; font-family: Times New Roman; text-align: right; width: 100%;"></div></div><div style="font-size: 10pt; font-family: Times New Roman; display: inline;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: inline;">Fair value is determined based on relevant market information and information about the financial instrument.  These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument.  Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions can significantly affect the estimates.</div></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Fair values have been determined by the Company using historical data, as generally provided in the Company’s regulatory reports, and an estimation methodology suitable for each category of financial instruments. The Company’s fair value estimates, methods and assumptions are set forth below for the Company’s other financial instruments.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and Cash Equivalents:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The carrying amounts for cash and cash equivalents approximate fair value because they have original maturities of 90 days or less and do not present unanticipated credit concerns.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued Interest Receivable and Payable:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The carrying amounts for accrued interest receivable and payable approximate fair value because they are generally received or paid in 90 days or less and do not present unanticipated credit concerns.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest bearing time deposits with other banks:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The fair value of interest bearing time deposits with other banks is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-For-Sale Securities:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The fair values of securities available for sale are determined by quoted prices in active markets, when available, and classified as Level I. If quoted market prices are not available, the fair value is determined by a matrix pricing, which is a mathematical technique, widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities and classified as Level II. The fair values consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans held for sale:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The carrying amount for loans held for sale approximates fair value as the loans are only held for less than a week from origination.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Fair values are estimated for portfolios of loans with similar financial characteristics.  The fair value of performing loans has been estimated by discounting expected future cash flows. The discount rate used in these calculations is derived from the Treasury yield curve adjusted for credit quality, operating expense and prepayment option price, and is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan. The estimate of maturity is based on the Company’s historical experience with repayments for each loan classification, modified as required by an estimate of the effect of current economic and lending conditions.</div><div style="display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank Owned Life Insurance:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The carrying value of bank owned life insurance approximates fair value based on applicable redemption provisions.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Regulatory Stock:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The carrying value of regulatory stock approximates fair value based on applicable redemption provisions.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Deposits:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The fair value of deposits with no stated maturity, such as noninterest-bearing demand deposits, savings and NOW accounts, and money market accounts, is equal to the amount payable on demand. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The deposits’ fair value estimates do not include the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market, commonly referred to as the core deposit intangible.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Borrowed Funds:</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Rates available to the Company for borrowed funds with similar terms and remaining maturities are used to estimate the fair value of borrowed funds.</div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div>Assets measured at fair value on a nonrecurring basis as of September 30, 2015 and December 31, 2014 are included in the table below (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Impaired Loans</div></td><td align="left" valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                         -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            7,954</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 7,954</div></td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Other real estate owned</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                            -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,429</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,429</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 13%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Impaired Loans</div></td><td align="left" valign="top" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                         -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            8,724</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 8,724</div></td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 27pt;">Other real estate owned</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                            -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               1,792</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,792</div></td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The fair values of the Company’s financial instruments are as follows (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 32%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Carrying</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td></tr><tr><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial assets:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and due from banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   10,314</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   10,314</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   10,314</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest bearing time deposits with other banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        6,460</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        6,465</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">6,465</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    300,630</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    300,630</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,757</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> 298,873</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans held for sale</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,248</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,248</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,248</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    575,964</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    605,361</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    605,361</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank owned life insurance</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,773</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,773</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,773</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Regulatory stock</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,983</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,983</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,983</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest receivable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,566</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,566</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,566</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 32%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial liabilities:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Deposits</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 797,848</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 799,026</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 550,646</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 248,380</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Borrowed funds</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      44,657</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      41,978</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      12,882</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      29,096</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest payable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           693</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           693</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">693</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 32%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Carrying</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level I</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level II</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Level III</div></td></tr><tr><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial assets:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 7%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash and due from banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   11,423</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   11,423</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   11,423</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest bearing time deposits with other banks</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,960</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,969</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        5,969</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    306,146</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    306,146</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,690</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> 304,456</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans held for sale</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           497</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           497</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           497</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    547,290</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    564,944</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    564,944</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Bank owned life insurance</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,309</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,309</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      20,309</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Regulatory stock</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,035</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,035</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,035</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest receivable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,644</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,644</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        3,644</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 32%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Financial liabilities:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 7%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Deposits</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 773,933</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 774,387</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 525,166</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $ 249,221</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Borrowed funds</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      41,799</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      38,219</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      16,593</div></td><td valign="bottom" style="text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      21,626</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accrued interest payable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           756</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           756</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">756</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 7%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr></table></div></div>

116000

345000

348000

116000

1761000

1708000

523000

151000

149000

528000

106000

199000

310000

668000

303000

6000

174000

60000

132000

214000

836000

4441000

729000

47000

65000

1032000

52000

714000

6319000

5010000

676000

6599000

152000

10000

21000

13000

17000

30000

25000

36000

4000

6000

9000

4000

11000

19000

153000

71000

153000

71000

19000

166000

40000

35000

45000

40000

11000

486000

34000

26000

221000

95000

56000

51000

41000

11000

792000

58000

8150000

2394000

8822000

316000

330000

5583000

2237000

6112000

61779000

117211000

12319000

121635000

50881000

46214000

24639000

8379000

189185000

6353000

548954000

79717000

59185000

11065000

87454000

193205000

8367000

574741000

10159000

35948000

190000

3803000

7045000

1445000

26000

17000

1224000

913000

91000

84000

545000

3870000

586000

6815000

878000

188000

358000

4558000

14000

86000

946000

568000

50000

330000

13000

942000

7098000

167000

176000

105000

455000

3679000

1151000

89000

6751000

3809000

1502000

6959000

879000

931000

23000

505000

3703000

1163000

886000

450000

86000

6816000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following tables represent credit exposures by internally assigned grades as of September 30, 2015 and December 31, 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pass</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Special Mention</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Substandard</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Doubtful</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loss</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Ending Balance</div></td></tr><tr><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          181,306</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           3,860</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  12,575</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                34</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          197,775</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               32,326</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              3,302</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          528</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               36,156</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               10,123</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   36</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               10,159</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               46,435</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 480</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       5,140</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 140</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               52,195</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               11,756</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 648</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          113</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               12,517</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               87,454</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               87,454</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          369,400</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           8,326</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  18,356</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              174</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          396,256</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 17%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          169,383</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           8,948</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  12,614</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          190,945</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               19,575</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              3,394</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       1,670</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               24,639</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 6,353</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 6,353</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               40,683</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              4,413</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       2,355</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               47,451</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 9,221</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 727</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       1,117</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               11,065</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               79,717</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               79,717</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          324,932</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         17,482</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  17,756</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   -</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          360,170</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: left;"> </div><div>The following table presents the recorded investment in those loan classes based on payment activity as of September 30, 2015 and December 31, 2014 (in thousands):</div><div style="text-align: left;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Non-performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          117,363</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           1,032</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                118,395</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               59,714</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 171</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     59,885</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 8,421</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   52</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       8,473</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          185,498</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           1,255</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                186,753</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 15%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Non-performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          121,968</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              890</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                122,858</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               62,296</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 284</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     62,580</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 8,444</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   53</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       8,497</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          192,708</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           1,227</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                193,935</div></td></tr></table></div></div>

483000

1000

25000

39000

72000

34000

196000

123000

98000

4138000

2850000

133000

302000

30000

476000

7000

442000

5151000

24000

5739000

97000

21000

681000

1432000

4570000

130000

675000

1479000

528000

8268000

29000

4000

521000

41000

822000

388000

260000

1848000

318000

30000

258000

119000

170000

38000

230000

168000

94000

1760000

198000

130000

1223000

158000

700000

503000

756000

231000

663000

1314000

1237000

208000

1184000

801000

99000

19000

153000

19000

71000

153000

71000

10159000

79717000

8473000

574859000

87454000

6353000

177950000

545283000

8497000

185122000

62475000

56122000

228348000

209472000

91000

3798000

190000

1322000

17000

586000

6849000

545000

6717000

26000

853000

3769000

874000

188000

84000

1223000

1429000

1792000

1429000

1792000

183000

40000

110000

85000

430000

488000

129000

242000

129000

488000

430000

242000

10256000

62000

99000

583000

404000

48000

149000

66000

999000

65000

1309000

1000

4000

1000

5000

9000

12000

98000

27000

123000

1000

13000

196000

12000

72000

34000

7616000

10000

5728000

38000

1943000

9050000

13000

62000

2488000

19000

2107000

6770000

13000

57000

239000

97000

7995000

130000

269000

1982000

5462000

201000

8584000

131000

197000

9943000

170000

2394000

2124000

113000

8150000

125000

268000

6112000

5413000

62000

191000

8822000

7954000

8724000

113000

60000

5708000

5314000

119000

170000

8239000

125000

6841000

1125000

2346000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table includes the recorded investment and unpaid principal balances for impaired financing receivables by class, with the associated allowance amount, if applicable (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unpaid</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Principal</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">With No</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">With</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Related</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td></tr><tr><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       304</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          119</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          149</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          268</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          27</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            62</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               62</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               62</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             12</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       7,965</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          5,314</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               99</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          5,413</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             34</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">170</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             170</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             170</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,238</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          1,125</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             999</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,124</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           123</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">113</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             113</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             113</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 4px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  10,852</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       6,841</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       1,309</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       8,150</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        196</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 26%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       222</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          125</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            66</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          191</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          13</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          130</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               60</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               65</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             125</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             12</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       8,433</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          5,708</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             404</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          6,112</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             72</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,480</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,346</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               48</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,394</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               1</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  11,265</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       8,239</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          583</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       8,822</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          98</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: inline;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: inline;">The following tables includes the average balance of impaired financing receivables by class and the income recognized on impaired loans for the three and nine month periods ended September 30, 2015 and 2014(in thousands):</div></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td colspan="6" valign="bottom" style="width: 54%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> For the Nine Months ended</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 27%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 27%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash Basis</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash Basis</div></td></tr><tr><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       239</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              8</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              5</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          201</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            7</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            97</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 3</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             131</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               3</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       5,728</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               46</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          7,616</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             66</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               19</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               13</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,488</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               64</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 4</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          1,982</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             61</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               13</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    8,584</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          123</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              9</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       9,943</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        137</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td colspan="6" valign="bottom" style="width: 54%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> For the Three Months Ended</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 27%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 27%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2014</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash Basis</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash Basis</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       269</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              4</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          197</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            3</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            62</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             130</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       5,462</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               14</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          6,770</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             22</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            57</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               10</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,107</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               15</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          1,943</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             15</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               38</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    7,995</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            36</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       9,050</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          41</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr></table></div></div>

2238000

113000

8433000

7965000

130000

170000

62000

10852000

304000

222000

2480000

11265000

1000

36000

66000

4000

22000

15000

123000

15000

7000

1000

14000

3000

137000

46000

3000

1000

41000

1000

8000

3000

1000

64000

61000

12564000

3538000

4281000

11366000

2200000

913000

681000

2655000

82000

44000

166000

146000

-52000

-4000

-13000

-17000

2085000

2425000

19726000

23915000

-39000

-78000

-63000

-142000

1468

1486

1427

1464

756000

693000

3742000

3609000

1234000

1218000

8808000

8863000

26478000

26402000

7248000

21200000

7094000

21416000

3291000

3088000

1092000

1044000

451000

142000

174000

521000

22793000

7645000

22736000

7574000

22256000

22433000

7424000

7525000

2542000

805000

798000

2317000

3672000

3884000

2398000

2526000

749000

844000

3566000

3644000

690891000

678407000

25000

51000

103000

33000

877000

1332000

141000

181000

398000

563000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div>The amortized cost and fair value of debt securities at September 30, 2015, by contractual maturity, are shown below (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 60%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 25%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amortized</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 25%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cost</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair Value</div></td></tr><tr><td align="left" valign="bottom" style="width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale debt securities:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Due in one year or less</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        6,593</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               6,606</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Due after one year through five years</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       161,984</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              163,761</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Due after five years through ten years</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         44,998</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                46,018</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Due after ten years</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         81,089</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                82,488</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    294,664</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           298,873</div></td></tr></table></div></div>

9118000

3069000

8600000

2790000

51000

153000

38000

13000

850073000

824520000

953977000

925048000

554105000

215584000

10159000

79717000

178280000

583009000

58516000

233931000

8473000

87454000

6353000

8497000

64712000

185438000

118395000

6353000

197775000

36156000

190945000

47451000

59885000

52195000

12517000

11065000

122858000

62580000

24639000

10159000

6815000

7045000

575964000

547290000

497000

1248000

497000

1248000

497000

1248000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Note 5 – Loans</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The Company grants loans primarily to customers throughout North Central Pennsylvania and Southern New York.  Although the Company had a diversified loan portfolio at September 30, 2015 and December 31, 2014, a substantial portion of its debtors’ ability to honor their contracts is dependent on the economic conditions within these regions. The following table summarizes the primary segments of the loan portfolio and how those segments are analyzed within the allowance for loan losses as of September 30, 2015 and December 31, 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Individually</div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> evaluated for </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Collectively </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td></tr><tr><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 178,280</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                        330</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 177,950</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    233,931</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        5,583</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    228,348</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      10,159</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      10,159</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,473</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,473</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      64,712</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        2,237</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      62,475</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      87,454</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      87,454</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    583,009</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     8,150</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 574,859</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance for loan losses</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        7,045</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 575,964</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 14%;">  </td></tr><tr><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 185,438</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                        316</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 185,122</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    215,584</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,112</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    209,472</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,353</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,353</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,497</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,497</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      58,516</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        2,394</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      56,122</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      79,717</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      79,717</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    554,105</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     8,822</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 545,283</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance for loan losses</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,815</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 547,290</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: inline;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: inline;">The segments of the Company’s loan portfolio are disaggregated into classes to a level that allows management to monitor risk and performance. Residential real estate mortgages consist primarily of 15 to 30 year first mortgages on residential real estate, while residential real estate home equity loans are consumer purpose installment loans or lines of credit with terms of 15 years or less secured by a mortgage which is often a second lien on residential real estate. Commercial real estate loans are business purpose loans secured by a mortgage on commercial real estate. Agricultural real estate loans are loans secured by a mortgage on real estate used in agriculture production. Construction real estate loans are loans secured by residential or commercial real estate used during the construction phase of residential and commercial projects. Consumer loans are typically unsecured or primarily secured by assets other than real estate and overdraft lines of credit are typically secured by customer deposit accounts. Other commercial loans are loans for commercial purposes primarily secured by non-real estate collateral. Other agricultural loans are loans for agricultural purposes primarily secured by non-real estate collateral. State and political subdivision loans are loans to state and local municipalities for capital and operating expenses or tax free loans used to finance commercial development.</div></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Management considers commercial loans, other agricultural loans, state and political subdivision loans, commercial real estate loans and agricultural real estate loans which are 90 days or more past due to be impaired. Management will also consider a loan impaired based on other factors it becomes aware of, including the customer’s results of operations and cash flows or if the loan is modified in a troubled debt restructuring. In addition, certain residential mortgages, home equity and consumer loans that are cross collateralized with commercial relationships that are determined to be impaired may also be classified as impaired. Impaired loans are analyzed to determine if it is probable that all amounts will not be collected according to the contractual terms of the loan agreement. If management determines that the value of the impaired loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allocation of the allowance for loan losses or a charge-off to the allowance for loan losses.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table includes the recorded investment and unpaid principal balances for impaired financing receivables by class, with the associated allowance amount, if applicable (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unpaid</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 26%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Principal</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">With No</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">With</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Related</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance</div></td></tr><tr><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       304</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          119</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          149</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          268</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          27</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            62</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               62</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               62</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             12</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       7,965</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          5,314</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               99</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          5,413</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             34</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">170</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             170</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             170</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,238</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          1,125</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             999</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,124</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           123</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">113</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             113</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             113</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 4px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  10,852</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       6,841</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       1,309</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       8,150</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        196</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 26%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       222</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          125</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            66</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          191</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          13</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          130</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               60</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               65</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             125</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             12</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       8,433</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          5,708</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             404</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          6,112</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             72</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,480</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,346</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               48</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          2,394</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               1</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $  11,265</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       8,239</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          583</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       8,822</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          98</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: inline;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: inline;">The following tables includes the average balance of impaired financing receivables by class and the income recognized on impaired loans for the three and nine month periods ended September 30, 2015 and 2014(in thousands):</div></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td colspan="6" valign="bottom" style="width: 54%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> For the Nine Months ended</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 27%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 27%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash Basis</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash Basis</div></td></tr><tr><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       239</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              8</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              5</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          201</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            7</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            97</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 3</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             131</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               3</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       5,728</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               46</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          7,616</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             66</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               19</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               13</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,488</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               64</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 4</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          1,982</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             61</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               13</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    8,584</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          123</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              9</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       9,943</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        137</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td colspan="6" valign="bottom" style="width: 54%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> For the Three Months Ended</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 27%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 27%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2014</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Income</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash Basis</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recognized</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cash Basis</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       269</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              4</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          197</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            3</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            62</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             130</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       5,462</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               14</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          6,770</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             22</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            57</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               10</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       2,107</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               15</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          1,943</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             15</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               38</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 1</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    7,995</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            36</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       9,050</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          41</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               -</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Credit Quality Information</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">For commercial real estate, agricultural real estate, construction, other commercial, other agricultural and state and political subdivision loans, management uses a nine grade internal risk rating system to monitor credit quality. The first five categories are considered not criticized and are aggregated as “Pass” rated. The criticized rating categories utilized by management generally follow bank regulatory definitions. The definitions of each rating are defined below:</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Pass (Grades 1-5) – These loans are to customers with credit quality ranging from an acceptable to very high quality and are protected by the current net worth and paying capacity of the obligor or by the value of the underlying collateral.</div></td></tr></table></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Special Mention (Grade 6) – This loan grade is in accordance with regulatory guidance and includes loans where a potential weakness or risk exists, which could cause a more serious problem if not corrected.</div></td></tr></table></div><div> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Substandard (Grade 7) – This loan grade is in accordance with regulatory guidance and includes loans that have a well-defined weakness based on objective evidence and be characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.</div></td></tr></table></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Doubtful (Grade 8) – This loan grade is in accordance with regulatory guidance and includes loans that have all the weaknesses inherent in a substandard asset. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances.</div></td></tr></table></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Loss (Grade 9) – This loan grade is in accordance with regulatory guidance and includes loans that are considered uncollectible, or of such value that continuance as an asset is not warranted.</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay the loan as agreed, the Company’s loan rating process includes several layers of internal and external oversight. The Company’s loan officers are responsible for the timely and accurate risk rating of the loans in each of their portfolios at origination and on an ongoing basis under the supervision of management.  All commercial and agricultural loans are reviewed annually to ensure the appropriateness of the loan grade. In addition, the Company engages an external consultant on at least an annual basis to 1) review a minimum of 55% of the dollar volume of the commercial loan portfolio on an annual basis, 2) review new loans originated for over $1.0 million in the last year, 3) review a majority of borrowers with commitments greater than or equal to $1.0 million,  4) review selected loan relationships over $750,000 which are over 30 days past due, classified Special Mention, Substandard, Doubtful, or Loss, and 5) such other loans which management or the consultant deems appropriate.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following tables represent credit exposures by internally assigned grades as of September 30, 2015 and December 31, 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pass</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Special Mention</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Substandard</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Doubtful</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loss</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Ending Balance</div></td></tr><tr><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          181,306</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           3,860</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  12,575</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                34</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          197,775</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               32,326</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              3,302</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          528</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               36,156</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               10,123</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   36</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               10,159</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               46,435</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 480</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       5,140</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 140</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               52,195</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               11,756</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 648</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          113</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               12,517</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               87,454</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               87,454</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          369,400</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           8,326</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  18,356</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              174</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          396,256</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 17%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          169,383</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           8,948</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  12,614</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          190,945</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               19,575</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              3,394</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       1,670</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               24,639</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 6,353</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 6,353</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               40,683</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              4,413</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       2,355</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               47,451</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 9,221</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 727</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       1,117</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               11,065</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               79,717</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               79,717</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          324,932</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         17,482</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  17,756</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   -</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          360,170</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: left;"> </div><div style="font-size: 10pt; font-family: Times New Roman; text-align: left;">For residential real estate mortgages, home equity and consumer loans, credit quality is monitored based on whether the loan is performing or non-performing, which is typically based on the aging status of the loan and payment activity, unless a specific action, such as bankruptcy, repossession, death or significant delay in payment occurs to raise awareness of a possible credit event. Non-performing loans include those loans that are considered nonaccrual, described in more detail below, and all loans past due 90 or more days and still accruing. The following table presents the recorded investment in those loan classes based on payment activity as of September 30, 2015 and December 31, 2014 (in thousands):</div><div style="text-align: left;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Non-performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          117,363</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           1,032</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                118,395</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               59,714</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 171</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     59,885</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 8,421</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   52</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       8,473</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          185,498</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           1,255</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                186,753</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 15%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Non-performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 14%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          121,968</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              890</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                122,858</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               62,296</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 284</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     62,580</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 8,444</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   53</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       8,497</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          192,708</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           1,227</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                193,935</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Aging Analysis of Past Due Financing Receivables</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following table includes an aging analysis of the recorded investment of past due financing receivables as of September 30, 2015 and December 31, 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 18%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">90 Days or</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 18%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">30-59 Days</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">60-89 Days</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">90 Days</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Past</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Financing</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Greater and</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Or Greater</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Current</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Receivables</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accruing</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        388</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        133</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        663</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,184</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   117,211</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           118,395</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            303</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           521</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             21</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           158</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           700</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        59,185</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                59,885</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               106</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           302</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           130</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        4,138</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        4,570</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      193,205</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              197,775</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 60</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             38</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           170</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           208</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        35,948</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                36,156</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        10,159</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                10,159</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             41</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             29</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             24</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             94</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          8,379</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  8,473</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           528</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             30</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           756</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,314</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        50,881</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                52,195</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               199</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             30</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           168</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           198</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        12,319</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                12,517</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        87,454</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                87,454</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="text-align: left; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,848</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        681</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,739</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     8,268</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   574,741</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           583,009</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            668</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans considered non-accrual</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        319</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        204</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,071</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,594</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          725</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               6,319</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans still accruing</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,529</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           477</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           668</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,674</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      574,016</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              576,690</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="text-align: left; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,848</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        681</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,739</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     8,268</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   574,741</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           583,009</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: left; width: 10%;">  </td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">  </td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        318</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        230</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        675</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,223</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   121,635</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           122,858</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            214</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           442</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             99</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           260</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           801</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        61,779</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                62,580</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               132</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             97</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           231</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,432</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,760</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      189,185</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              190,945</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               310</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        24,639</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                24,639</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          6,353</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  6,353</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           119</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               4</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               7</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           130</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          8,367</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  8,497</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   6</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           503</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           258</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           476</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,237</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        46,214</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                47,451</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               174</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        11,065</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                11,065</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        79,717</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                79,717</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: left; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,479</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        822</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,850</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,151</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   548,954</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           554,105</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            836</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans considered non-accrual</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          48</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        181</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,014</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,243</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       4,356</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               6,599</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="padding-bottom: 2px; text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans still accruing</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,431</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           641</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           836</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,908</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      544,598</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              547,506</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: left; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,479</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        822</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,850</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,151</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   548,954</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           554,105</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: left; width: 10%;">  </td></tr></table></div><div style="display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; display: block; text-indent: 0pt;">Nonaccrual Loans</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Loans are considered for non-accrual status upon reaching 90 days delinquency, although the Company may be receiving partial payments of interest and partial repayments of principal on such loans or if full payment of principal and interest is not expected. Additionally, if management is made aware of other information including bankruptcy, repossession, death, or legal proceedings, the loan may be placed on non-accrual status. If a loan is 90 days or more past due and is well secured and in the process of collection, it may still be considered accruing.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table reflects the financing receivables on non-accrual status as of September 30, 2015 and December 31, 2014, respectively. The balances are presented by class of financing receivable (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 60%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                         729</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   676</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              65</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      152</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         4,441</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   5,010</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              52</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        47</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         1,032</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      714</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="padding-bottom: 2px; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                      6,319</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                6,599</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Troubled Debt Restructurings</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">In situations where, for economic or legal reasons related to a borrower's financial difficulties, management may grant a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a Troubled Debt Restructuring (TDR). Management strives to identify borrowers in financial difficulty early and work with them to modify more affordable terms before their loan reaches nonaccrual status. These modified terms may include rate reductions, principal forgiveness, payment forbearance and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. In cases where borrowers are granted new terms that provide for a reduction of interest or principal, or both, management measures any impairment on the restructuring by calculating the present value of the revised loan terms and comparing this balance to the Company’s investment in the loan prior to the restructuring. As these loans are individually evaluated, they are excluded from pooled portfolios when calculating the allowance for loan and lease losses and a separate allocation within the allowance for loan and lease losses is provided. Management continually evaluates loans that are considered TDRs, including payment history under the modified loan terms, the borrower’s ability to continue to repay the loan based on continued evaluation of their operating results and cash flows from operations.  Based on this evaluation management would no longer consider a loan to be a TDR when the relevant facts support such a conclusion. As of September 30, 2015 and December 31, 2014, included within the allowance for loan losses are reserves of $39,000 and $26,000 respectively, that are associated with loans modified as TDRs.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">There were no loan modifications that were considered TDRs during the three months ended September 30, 2015 or 2014. Loan modifications that are considered TDRs completed during the nine months ended September 30, 2015 and 2014 were as follows (dollars in thousands):</div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="6" valign="bottom" style="width: 70%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Nine Months Ended September 30, 2015</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of contracts</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pre-modification Outstanding</div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> Recorded Investment</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Post-Modification </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Outstanding Recorded </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 71</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  19</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               71</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  $               19</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 71</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  19</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               71</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               19</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="6" valign="bottom" style="width: 71%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Nine Months Ended September 30, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of contracts</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pre-modification Outstanding </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded Investment</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Post-Modification Outstanding</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> Recorded Investment</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                153</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$             153</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         2</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                153</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             153</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Recidivism, or the borrower defaulting on its obligation pursuant to a modified loan, results in the loan once again becoming a non-accrual loan. Recidivism occurs at a notably higher rate than do defaults on new origination loans, so modified loans present a higher risk of loss than do new origination loans. The following table presents the recorded investment in loans that were modified as TDRs during each 12-month period prior to the current reporting periods, which begin January 1, 2015 and 2014 (nine month periods) and July 1, 2015 and 2014 (3 month periods), respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td colspan="4" valign="bottom" style="width: 40%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Three Months Ended</div></td><td colspan="4" valign="bottom" style="width: 40%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Nine Months Ended</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2014</div></td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td></tr><tr><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              483</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total recidivism</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              483</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance for Loan Losses</div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following table segregates the allowance for loan losses (ALLL) into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of September 30, 2015 and December 31, 2014, respectively (in thousands):</div><div style="text-align: left;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 31%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 31%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> December 31, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Individually </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Collectively </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Individually </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Collectively </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           39</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         874</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         913</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           25</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           853</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             878</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              34</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,769</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,803</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              72</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           3,798</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             3,870</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              17</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">17</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                26</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  26</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              91</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">91</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                84</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  84</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            123</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,322</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,445</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                1</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           1,223</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             1,224</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            586</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">586</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              545</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                545</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            190</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">190</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              188</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                188</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         196</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,849</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      7,045</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           98</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        6,717</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          6,815</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following tables roll forward the balance of the ALLL by portfolio segment for the three and nine month periods ended September 30, 2015 and 2014, respectively (in thousands):</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at</div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at</div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> September 30, 2015</div></td></tr><tr><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         931</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       (18)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         913</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,679</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                4</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          120</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,803</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              14</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              3</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              17</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              89</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (11)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              13</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              91</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,502</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (40)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (17)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,445</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            568</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            18</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            586</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            176</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            14</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            190</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,959</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (51)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           17</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       120</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      7,045</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         878</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (34)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="left" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         69</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         913</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,870</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (56)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              11</div></td><td align="left" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (22)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,803</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              26</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="left" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            (9)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              17</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              84</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (35)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              25</div></td><td align="left" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            17</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              91</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,224</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (41)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="left" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          262</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,445</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            545</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="left" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            41</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            586</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            188</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              2</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            190</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,815</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        (166)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           36</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       360</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      7,045</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">June 30, 2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2014</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         879</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           7</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         886</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,809</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (11)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                4</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (99)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,703</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              13</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            10</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              23</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              86</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (26)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                6</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            20</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              86</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Commercial and other loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,151</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (58)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            70</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,163</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            455</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            (5)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            450</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            358</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          147</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            505</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,751</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (95)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           10</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       150</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,816</div></td></tr></table><div> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at December 31, 2013</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance at</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2014</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         946</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (45)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       (15)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         886</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         4,558</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (486)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                9</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        (378)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,703</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              50</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          (27)</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              23</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            105</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (40)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              21</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              86</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Commercial and other loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            942</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (221)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          442</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,163</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            330</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          120</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            450</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            167</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          338</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            505</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      7,098</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        (792)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           30</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       480</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,816</div></td></tr></table></div></div><div style="text-align: left;"> </div><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The Company allocates the ALLL based on the factors described below, which conform to the Company’s loan classification policy and credit quality measurements. In reviewing risk within the Company’s loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The ALLL consists of amounts applicable to: (i) residential real estate loans; (ii) residential real estate home equity loans; (iii) commercial real estate loans; (iv) agricultural real estate loans; (v) real estate construction loans; (vi) other commercial and agricultural loans; (vii) consumer loans; (viii) other agricultural loans and (ix) state and political subdivision loans. Factors considered in this process include general loan terms, collateral, and availability of historical data to support the analysis. Historical loss percentages are calculated and used as the basis for calculating allowance allocations. Certain qualitative factors are evaluated to determine additional inherent risks in the loan portfolio, which are not necessarily reflected in the historical loss percentages. These factors are then added to the historical allocation percentage to get the adjusted factor to be applied to non-classified loans. The following qualitative factors are analyzed:</div><div style="display: block; text-indent: 0pt;"><br /></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Level of and trends in delinquencies and impaired/classified loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Wingdings; display: inline;"> </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Change in volume and severity of past due loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Wingdings; display: inline;"> </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Volume of non-accrual loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Wingdings; display: inline;"> </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Volume and severity of classified, adversely or graded loans;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Level of and trends in charge-offs and recoveries;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Trends in volume, terms and nature of the loan portfolio;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Effects of any changes in risk selection and underwriting standards and any other changes in lending and recovery policies, procedures and practices;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Changes in the quality of the Company’s loan review system;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Experience, ability and depth of lending management and other relevant staff;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">National, state, regional and local economic trends and business conditions</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Wingdings; display: inline;"> </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">General economic conditions</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Wingdings; display: inline;"> </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Unemployment rates</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Wingdings; display: inline;"> </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Inflation rate/ Consumer Price Index</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Wingdings; display: inline;"> </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Changes in values of underlying collateral for collateral-dependent loans;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Industry conditions including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses; and</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Existence and effect of any credit concentrations, and changes in the level of such concentrations; and</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 36pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">Any change in the level of board oversight.</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The Company also maintains an unallocated allowance to account for any factors or conditions that may cause a potential loss but are not specifically addressed in the process described above. The Company analyzes its loan portfolio each quarter to determine the appropriateness of its ALLL.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Loans determined to be TDRs are impaired and for purposes of estimating the ALLL must be individually evaluated for impairment. In calculating the impairment, the Company calculates the present value utilizing an analysis of discounted cash flows. If the present value calculated is below the recorded investment of the loan, impairment is recognized by a charge to the provision for loan and lease losses and a credit to the ALLL.</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;"><br /><font style="font-size: 10pt; font-family: Times New Roman; display: inline;">We continually review the model utilized in calculating the required ALLL. The following qualitative factors experienced changes during the first nine months of 2015:</font></div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all loan categories due to an increase in the unemployment rates in the local economy during the first nine months of 2015.</div></td></tr></table></div><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div><div style="font-size: 8pt; font-family: Times New Roman; text-align: right; width: 100%;"></div></div></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies and impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the amount of loans classified as substandard. While there has been an increase in delinquencies of commercial and agricultural real estate loans, the qualitative factor was not increased. The increase in delinquencies is attributable to one relationship, which is classified as impaired and management does not believe that this delinquency is a reflection of a further decrease in the credit quality of the commercial and agricultural real estate loan portfolio.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial and agricultural loans due to an increase in the amount of loans classified as substandard.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for levels of and trends in charge-offs and recoveries was decreased for commercial and agricultural real estate and other commercial and agricultural loans due to the decrease in charge-offs compared to the prior year as charge-offs returned to historical norms for the Bank.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for commercial real estate, agricultural real estate, other commercial and other agricultural loans due to the length of time employees involved throughout the loan process have been in their positions.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for industry conditions, including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses was increased for commercial and agricultural related loans due to the decrease in the price received for product sold and the increase in feed costs that has occurred in 2015, which negatively affected customer earnings.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for levels of and trends in charge-offs and recoveries was increased for residential real estate loans due to the increase in charge-offs compared to historical norms for the Company.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies and impaired/classified loans was increased for residential mortgages due to increases in the amount of non-performing loans.</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following qualitative factors experienced changes during the three months ended September 30, 2015:</div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies and impaired/classified loans were increased for other agricultural loans due to an increase in the amount of classified loans.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for levels of and trends in charge-offs and recoveries was increased for other commercial loans due to the increase in charge-offs during the quarter.</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The primary factor that resulted in negative provision for commercial and agricultural loans for the nine month period ended September 30, 2015 was the reduction in the amount of special mention and substandard loans since December 31, 2014.</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following qualitative factors experienced changes during the first nine months of 2014:</div><div style="text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 36pt;"> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;"><font style="font-family: Symbol; font-size: 10pt; display: inline;">·</font>  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for all loan categories due to a decrease in the unemployment rates in the local and state economy.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies and impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the Company’s classified loans to its lowest level in three years and a decrease in the amount of loans past due.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial loans due to an increase in classified loans during 2014.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial real estate and other commercial loans due to the increase in charge-offs compared to historical norms for the Bank.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for all loan categories due to the length of time employees involved throughout the loan process have been in their positions.</div></td></tr></table></div><div> </div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for industry conditions, including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses was decreased for agricultural related loans due to the improvement in the agricultural economy during 2014.</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following qualitative factors experienced changes during the three months ended September 30, 2014:</div><div style="display: block; text-indent: 0pt;"><br /></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial real estate and other commercial loans due to the increase in charge-offs compared to historical norms for the Bank.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for other commercial loans real estate due to the decrease in the amount of loans past due as of September 30, 2014.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 100%;"><tr valign="top"><td align="right" style="width: 72pt;"><div style="font-size: 10pt; font-family: Symbol, serif; display: inline;">·  </div></td><td><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;">The qualitative factor for industry conditions, including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses was decreased for agricultural related loans due to the improvement in the agricultural economy during 2014.</div></td></tr></table></div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The primary factor that resulted in negative provisions for certain portfolio segments for the three and nine month periods in 2014 was due to decreases in the outstanding balances for certain portfolio segments compared to December 31, 2013, a reduction in the amount of substandard loans and the decrease in the qualitative factor associated with the improvement in unemployment rates noted above.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="font-size: 10pt; font-family: Times New Roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Foreclosed Assets Held For Sale</div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;"> </div><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">Foreclosed assets acquired in settlement of loans are carried at fair value, less estimated costs to sell, and are included in other assets on the Consolidated Balance Sheet. As of September 30, 2015 and December 31, 2014 included with other assets are $1,429,000 and $1,792,000, respectively, of foreclosed assets. As of September 30, 2015, included within the foreclosed assets is $305,000 of consumer residential mortgages that were foreclosed on or received via a deed in lieu transaction prior to the period end. As of September 30, 2015, the Company has initiated formal foreclosure proceedings on $1,256,000 of consumer residential mortgages, which have not yet been transferred into foreclosed assets.</div></div>

564944000

605361000

564944000

575964000

547290000

605361000

5161000

-30690000

11287000

8906000

9909000

9166000

3368000

2857000

51000

297000

151000

-101000

-34000

322000

-25000

160000

-9000

284000

183000

85000

-15208000

20675000

5067000

16615000

5852000

15158000

327000

128000

109000

337000

5548000

5466000

1924000

1865000

106957000

95526000

3394000

113000

193935000

174000

17482000

8948000

1117000

181306000

8473000

369400000

36000

8444000

528000

10123000

648000

12517000

62296000

9221000

47451000

6353000

8421000

18356000

87454000

197775000

12614000

117363000

727000

87454000

3302000

890000

396256000

53000

169383000

6353000

24639000

284000

8326000

32326000

40683000

186753000

118395000

190945000

360170000

59885000

46435000

192708000

79717000

52000

62580000

12575000

10159000

52195000

17756000

1032000

185498000

5140000

4413000

1670000

171000

324932000

59714000

1227000

2355000

3860000

11756000

19575000

121968000

480000

140000

8497000

36156000

79717000

34000

11065000

122858000

1255000

1064000

347000

967000

313000

146000

166000

44000

82000

129000

242000

430000

488000

75000

637000

2713000

25000

-26000

413000

9000

34000

404000

2738000

101000

671000

-52000

-17000

-13000

-4000

258000

3035000

722000

258000

564000

722000

3035000

-51000

-38000

-153000

-13000

7166000

12222000

-842000

-222000

291000

132000

1563000

372000

1094000

4598000

855000

390000

8032000

6875000

1024000

1218000

3455000

1199000

1161000

3352000

305000

1429000

1792000

413000

75000

2738000

671000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div>The following table includes an aging analysis of the recorded investment of past due financing receivables as of September 30, 2015 and December 31, 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 18%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">90 Days or</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 18%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">30-59 Days</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">60-89 Days</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">90 Days</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Past</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Financing</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Greater and</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Or Greater</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Current</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Receivables</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Accruing</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        388</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        133</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        663</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,184</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   117,211</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           118,395</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            303</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           521</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             21</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           158</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           700</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        59,185</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                59,885</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               106</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           302</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           130</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        4,138</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        4,570</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      193,205</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              197,775</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 60</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             38</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           170</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           208</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        35,948</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                36,156</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        10,159</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                10,159</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             41</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             29</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             24</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             94</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          8,379</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  8,473</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           528</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             30</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           756</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,314</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        50,881</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                52,195</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               199</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             30</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           168</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           198</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        12,319</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                12,517</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        87,454</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                87,454</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="text-align: left; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,848</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        681</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,739</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     8,268</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   574,741</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           583,009</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            668</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans considered non-accrual</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        319</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        204</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,071</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,594</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          725</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               6,319</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans still accruing</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,529</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           477</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           668</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,674</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      574,016</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              576,690</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 8%;">  </td><td valign="bottom" style="text-align: left; width: 18%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,848</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        681</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,739</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     8,268</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   574,741</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           583,009</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: left; width: 10%;">  </td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 8%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">  </td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        318</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        230</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        675</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,223</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   121,635</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           122,858</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            214</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           442</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             99</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           260</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           801</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        61,779</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                62,580</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               132</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             97</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           231</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,432</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,760</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      189,185</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              190,945</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               310</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        24,639</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                24,639</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          6,353</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  6,353</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           119</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               4</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               7</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           130</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          8,367</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  8,497</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   6</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           503</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           258</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           476</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,237</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        46,214</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                47,451</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               174</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        11,065</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                11,065</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        79,717</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                79,717</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: left; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,479</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        822</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,850</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,151</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   548,954</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           554,105</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            836</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans considered non-accrual</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          48</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        181</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,014</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,243</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       4,356</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               6,599</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 10%;">  </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="padding-bottom: 2px; text-align: left; width: 25%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Loans still accruing</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        1,431</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           641</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           836</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">        2,908</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      544,598</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              547,506</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: left; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     1,479</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        822</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     2,850</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     5,151</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $   548,954</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           554,105</div></td><td bgcolor="transparent" valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: left; width: 10%;">  </td></tr></table></div></div>

13510000

8055000

29148000

4680000

2315000

733000

2097000

1895000

555000

633000

3783000

4998000

58667000

44769000

1.00

3000000

-3232000

-500000

2891000

2150000

-31818000

-1730000

6815000

5288000

39416000

39472000

647000

340000

7690000

12942000

18393000

17338000

5187000

649000

202000

207000

614000

12357000

12544000

20000

2000

-5000

-17000

-15000

360000

-22000

120000

-378000

262000

150000

41000

69000

480000

18000

-99000

147000

-18000

7000

120000

14000

120000

3000

338000

-27000

10000

-9000

70000

442000

17000

360000

150000

120000

480000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div>The gross gains and losses were as follows (in thousands):</div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 60%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three Months Ended</div></td><td colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Nine Months Ended</div></td></tr><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> September 30,</div></td><td colspan="2" valign="bottom" style="width: 22%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> September 30,</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 10%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Gross gains</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           129</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    242</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              441</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              488</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Gross losses</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 (11)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net gains</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           129</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    242</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              430</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             488</div></td></tr></table></div></div>

183000

284000

-25000

-34000

297000

-101000

322000

160000

151000

-9000

85000

51000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table presents the significant amounts reclassified out of each component of accumulated other comprehensive income for the three and nine months ended September 30, 2015 and 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 40%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Details about accumulated other comprehensive income (loss)</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amount reclassified from accumulated comprehensive income (loss) (a)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Affected line item in the income statement where net Income is presented</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 40%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three Months Ended  September 30,</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 21%;">  </td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr><td align="left" valign="bottom" style="width: 40%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized gains and losses on available for sale securities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td valign="bottom" style="text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                          129</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    242</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment securities gains, net</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                             (44)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       (82)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision for income taxes</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                            85</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    160</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net of tax</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 40%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Defined benefit pension items</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td valign="bottom" style="text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                          (51)</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    (13)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Salaries and employee benefits</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                               17</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                           4</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision for income taxes</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                          (34)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                      (9)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net of tax</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 40%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total reclassifications</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                            51</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    151</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 40%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Nine Months Ended  September 30,</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 21%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 40%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized gains and losses on available for sale securities</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td valign="bottom" style="text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                          430</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    488</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment securities gains, net</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                           (146)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     (166)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision for income taxes</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                          284</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    322</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net of tax</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 40%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Defined benefit pension items</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td valign="bottom" style="text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                        (153)</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    (38)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Salaries and employee benefits</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                               52</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         13</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Provision for income taxes</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                        (101)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    (25)</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net of tax</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 40%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total reclassifications</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                          183</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                    297</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 40%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr><tr bgcolor="white"><td align="left" colspan="3" valign="bottom" style="width: 69%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(a) Amounts in parentheses indicate expenses and other amounts indicate income </div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;"> </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td></tr></table></div></div>

700000

4200000

79512000

84698000

1054000

3058000

1098000

3239000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table reflects the financing receivables on non-accrual status as of September 30, 2015 and December 31, 2014, respectively. The balances are presented by class of financing receivable (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 60%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                         729</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   676</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              65</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      152</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         4,441</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   5,010</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Agricultural</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              52</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        47</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         1,032</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      714</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other agricultural loans</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="padding-bottom: 2px; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                              -</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        -</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                      6,319</div></td><td align="right" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                6,599</div></td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following sets forth the components of net periodic benefit costs of the Pension Plan for the three and nine months ended September 30, 2015 and 2014, respectively (in thousands):</div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td colspan="2" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three Months Ended</div></td><td colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Nine Months Ended</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td colspan="2" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> September 30,</div></td><td colspan="2" valign="bottom" style="width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> September 30,</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Service cost</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             110</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          77</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             242</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  230</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest cost</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                128</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    104</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                281</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     311</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Expected return on plan assets</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              (243)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  (197)</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              (533)</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    (590)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net amortization and deferral</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   65</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">      13</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                141</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                       38</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net periodic benefit cost</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               60</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (3)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             131</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   (11)</div></td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following tables present the changes in accumulated other comprehensive income by component net of tax for the three and nine months ended September 30, 2015 and 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 44%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 38%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three months ended September 30, 2015</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 44%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized gain </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(loss) on available </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">for sale securities (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Defined Benefit </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pension Items (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of June 30, 2015</div></td><td valign="bottom" style="text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     2,430</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (2,259)</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         171</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other comprehensive income (loss) before reclassifications, net of tax</div></td><td valign="bottom" style="text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                           722</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            722</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amounts reclassified from accumulated other</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 13%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     comprehensive income (loss), net of tax</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                           (85)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              34</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (51)</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net current period other comprehensive income</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                           637</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              34</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            671</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of September 30, 2015</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     3,067</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (2,225)</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         842</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 44%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 44%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 38%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Nine months ended September 30, 2015</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 44%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized gain </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(loss) on available </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">for sale securities (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Defined Benefit </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pension Items (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of December 31, 2014</div></td><td valign="bottom" style="text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     3,093</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (2,326)</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         767</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other comprehensive income (loss) before reclassifications, net of tax</div></td><td valign="bottom" style="text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                           258</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            258</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amounts reclassified from accumulated other</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 13%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     comprehensive income (loss), net of tax</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         (284)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            101</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (183)</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net current period other comprehensive income (loss)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                           (26)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            101</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              75</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of September 30, 2015</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     3,067</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (2,225)</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         842</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 44%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 37%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three months ended September 30, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 44%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized gain (loss) </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">on available for sale </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">securities (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Defined Benefit </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pension Items (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of June 30, 2014</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     2,201</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (1,101)</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      1,100</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other comprehensive income (loss) before reclassifications, net of tax</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                           564</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            564</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amounts reclassified from accumulated other</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 15%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 13%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     comprehensive income (loss), net of tax</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         (160)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                9</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (151)</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net current period other comprehensive income</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                           404</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                9</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            413</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: right; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of September  30, 2014</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     2,605</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (1,092)</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      1,513</div></td></tr></table></div><div> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 70%;"><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: left; width: 44%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 44%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 37%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Nine months ended September 30, 2014</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 44%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized gain (loss) </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">on available for sale </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">securities (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Defined Benefit </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pension Items (a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of December 31, 2013</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                      (108)</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (1,117)</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (1,225)</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other comprehensive income (loss) before reclassifications, net of tax</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        3,035</div></td><td valign="bottom" style="text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,035</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amounts reclassified from accumulated other</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 15%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 13%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     comprehensive income (loss), net of tax</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         (322)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              25</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (297)</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net current period other comprehensive income</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        2,713</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              25</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         2,738</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 44%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Balance as of September  30, 2014</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     2,605</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     (1,092)</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      1,513</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 44%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 15%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 59%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(a) Amounts in parentheses indicate debits to the Consolidated Balance Sheet</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr></table></div></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table sets forth the computation of earnings per share.  Earnings per share calculations give retroactive effect to stock dividends declared by the Company.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 49%;">  </td><td colspan="2" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three months ended</div></td><td colspan="2" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Nine months ended</div></td></tr><tr><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div></td><td colspan="2" valign="bottom" style="width: 18%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September30,</div></td><td colspan="2" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September30,</div></td></tr><tr><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> </div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net income applicable to common stock</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$2,857,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$3,368,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$9,166,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$9,909,000</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 49%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Basic earnings per share computation</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 4px; width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average common shares outstanding</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,011,687</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,035,214</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     3,019,202</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,038,973</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Earnings per share - basic</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$0.95</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$1.11</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$3.04</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$3.26</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 49%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Diluted earnings per share computation</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average common shares outstanding for basic earnings per share</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,011,687</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,035,214</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     3,019,202</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,038,973</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Add: Dilutive effects of restricted stock</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          1,464</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          1,486</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            1,468</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          1,427</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted average common shares outstanding for dilutive earnings per share</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,013,151</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,036,700</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     3,020,670</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,040,400</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Earnings per share - diluted</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$0.95</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$1.11</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$3.03</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$3.26</div></td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table details the vesting, awarding and forfeiting of restricted shares during 2015 and 2014:</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; border-top: black 0.5pt solid; font-family: times new roman; width: 21%;">  </td><td colspan="4" valign="bottom" style="border-top: black 0.5pt solid; width: 35%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Three months ended September 30,</div></td><td colspan="4" valign="bottom" style="border-top: black 0.5pt solid; width: 38%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Nine months ended September 30,</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td colspan="2" valign="bottom" style="width: 19%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td colspan="2" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td><td colspan="2" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2015</div></td><td colspan="2" valign="bottom" style="width: 17%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 8%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Weighted</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 21%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unvested</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unvested</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unvested</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td><td valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unvested</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Average</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 21%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Shares</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Market Price</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Shares</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Market Price</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Shares</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Market Price</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Shares</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Market Price</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Outstanding, beginning of period</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         7,018</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          50.63</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   7,187</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     48.28</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               6,971</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          48.55</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   7,172</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      42.02</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Granted</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               3,496</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             50.02</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   3,598</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">52.82</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Forfeited</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           (139)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             51.49</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         (7)</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">37.10</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                (139)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             51.49</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         (7)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         37.10</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Vested</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">-</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (3,449)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             45.80</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  (3,583)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">40.30</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Outstanding, end of period</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         6,879</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          50.61</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   7,180</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $     48.29</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               6,879</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          50.61</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   7,180</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      48.29</div></td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The following table shows the Company’s gross unrealized losses and fair value of the Company’s investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment category and length of time, which individual securities have been in a continuous unrealized loss position, at September 30, 2015 and December 31, 2014 (in thousands). As of September 30, 2015, the Company owned 46 securities whose fair value was less than their cost basis.</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Less than Twelve Months</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 19%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Twelve Months or Greater</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Gross</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Gross</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Gross</div></td></tr><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair</div></td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair</div></td><td valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 16%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 16%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Losses</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Losses</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Losses</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">U.S. agency securities</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        10,067</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (16)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        10,986</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            (7)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        21,053</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             (23)</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Obligations of state and political subdivisions</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">17,133</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(104)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             4,747</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (51)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">21,880</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(155)</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Corporate obligations</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             5,399</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              (23)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             2,167</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (16)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">7,566</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(39)</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Mortgage-backed securities in</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">   government sponsored entities</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4,317</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(31)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                250</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (10)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">4,567</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(41)</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Equity securities in financial institutions</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">590</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(10)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">590</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">(10)</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="border-bottom: black 4px double; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    Total securities</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        37,506</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        (184)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        18,150</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          (84)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        55,656</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           (268)</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td colspan="2" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 20%;">  </td><td colspan="2" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 19%;">  </td><td colspan="2" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 20%;">  </td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">U.S. agency securities</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        27,382</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        (110)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        43,642</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        (490)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        71,024</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           (600)</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">U.S. treasury securities</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             4,849</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (95)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             4,849</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                (95)</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Obligations of state and political subdivisions</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             3,596</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              (19)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             8,584</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (80)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           12,180</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                (99)</div></td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Corporate obligations</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                505</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                (1)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             7,707</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (84)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             8,212</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                (85)</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Mortgage-backed securities in</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     government sponsored entities</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             5,025</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                (4)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             2,229</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             (33)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             7,254</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                (37)</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="border-bottom: black 4px double; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    Total securities</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        36,508</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        (134)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        67,011</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        (782)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      103,519</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           (916)</div></td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: block; text-indent: 0pt;">The amortized cost, gross unrealized gains and losses, and fair value of investment securities at September 30, 2015 and December 31, 2014 were as follows (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 34%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Gross</div></td><td valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Gross</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td></tr><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 34%;">  </td><td valign="bottom" style="width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Amortized</div></td><td valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized</div></td><td valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unrealized</div></td><td valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Fair</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Cost</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Gains</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Losses</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Value</div></td></tr><tr><td align="left" valign="bottom" style="width: 34%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 34%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  U.S. agency securities</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    163,012</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               1,113</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              (23)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       164,102</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Obligations of state and political subdivisions</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         95,374</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  2,946</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">               (155)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            98,165</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Corporate obligations</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         12,643</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     103</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 (39)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            12,707</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Mortgage-backed securities in</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    government sponsored entities</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         23,635</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     305</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 (41)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            23,899</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Equity securities in financial institutions</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           1,319</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     448</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 (10)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              1,757</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total available-for-sale securities</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    295,983</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               4,915</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            (268)</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       300,630</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 34%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; text-align: right; width: 11%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Available-for-sale securities:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  U.S. agency securities</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    150,847</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  638</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            (600)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       150,885</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  U.S. treasury securities</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           4,944</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 (95)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              4,849</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Obligations of state and political subdivisions</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">       101,281</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  3,854</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 (99)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">          105,036</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Corporate obligations</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         13,853</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     190</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 (85)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            13,958</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Mortgage-backed securities in</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 9%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 11%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">    government sponsored entities</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         29,397</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     368</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 (37)</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            29,728</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  Equity securities in financial institutions</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           1,137</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     553</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              1,690</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 34%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total available-for-sale securities</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $    301,459</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               5,603</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $            (916)</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       306,146</div></td></tr></table></div></div>

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="margin-left: 0pt; margin-right: 0pt; text-indent: 0pt;"><div style="font-size: 10pt; font-family: Times New Roman; display: inline;">The remaining contractual maturity of repurchase agreements in the Consolidated Balance Sheets as of September 30, 2015 and December 31, 2014 is presented in the following tables.</div></div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 5%;">  </td><td colspan="5" valign="bottom" style="border-bottom: black 2px solid; width: 57%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Remaining Contractual Maturity of the Agreements</div></td></tr><tr><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 5%;">  </td><td valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Overnight and</div></td><td valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Up to</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Greater than</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 5%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Continuous</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">30 Days</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">30 - 90 Days</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">90 days</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> Total</div></td></tr><tr><td align="left" colspan="3" valign="bottom" style="width: 37%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Repurchase Agreements:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">U.S. agency securities</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 5%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         6,112,000</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        2,070,000</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                      -</div></td></tr><tr bgcolor="white"><td align="left" colspan="3" valign="bottom" style="width: 37%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total carrying value of collateral pledged</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         6,112,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        2,070,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       8,182,000</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 5%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr bgcolor="white"><td align="left" colspan="3" valign="bottom" style="width: 37%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total liability recognized for repurchase agreements</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       5,728,000</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 5%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 5%;">  </td><td colspan="5" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 57%;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 5%;">  </td><td colspan="5" valign="bottom" style="border-bottom: black 2px solid; width: 57%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Remaining Contractual Maturity of the Agreements</div></td></tr><tr bgcolor="white"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 5%;">  </td><td valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Overnight and</div></td><td valign="bottom" style="width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Up to</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Greater than</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 5%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Continuous</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">30 Days</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">30 - 90 Days</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">90 days</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> Total</div></td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Repurchase Agreements:</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 5%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 32%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">U.S. agency securities</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 5%;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       10,368,000</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      1,015,000</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        2,940,000</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                       -</div></td></tr><tr bgcolor="white"><td align="left" colspan="3" valign="bottom" style="width: 37%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total carrying value of collateral pledged</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       10,368,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      1,015,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        2,940,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      14,323,000</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 5%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr bgcolor="white"><td align="left" colspan="3" valign="bottom" style="width: 37%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total liability recognized for repurchase agreements</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $       5,906,000</div></td></tr></table></div></div>

1015000

8182000

14323000

2070000

2940000

6112000

1015000

2940000

10368000

5728000

5906000

3598

3496

52.82

50.02

6971

7187

7018

7172

6879

7180

42000

44000

115000

129000

48.28

48.55

42.02

50.63

48.29

50.61

37.10

51.49

37.10

139

40.30

45.80

60662

3449

3583

100000

103904000

100528000

1094000

296280

334165

8236000

10102000

<div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div>Loan modifications that are considered TDRs completed during the nine months ended September 30, 2015 and 2014 were as follows (dollars in thousands):</div><div style="display: block; text-indent: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="6" valign="bottom" style="width: 70%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Nine Months Ended September 30, 2015</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of contracts</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pre-modification Outstanding</div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> Recorded Investment</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Post-Modification </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Outstanding Recorded </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Investment</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 71</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  19</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               71</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">  $               19</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                          1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 71</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  19</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               71</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $               19</div></td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="6" valign="bottom" style="width: 71%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Nine Months Ended September 30, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of contracts</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Pre-modification Outstanding </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded Investment</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Post-Modification Outstanding</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> Recorded Investment</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 16%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Interest </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Term </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Modification</div></td></tr><tr><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 12%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">2</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                153</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">$             153</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 16%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                         2</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                153</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             153</div></td></tr></table></div><div>The following table presents the recorded investment in loans that were modified as TDRs during each 12-month period prior to the current reporting periods, which begin January 1, 2015 and 2014 (nine month periods) and July 1, 2015 and 2014 (3 month periods), respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td colspan="4" valign="bottom" style="width: 40%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Three Months Ended</div></td><td colspan="4" valign="bottom" style="width: 40%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">For the Nine Months Ended</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2014</div></td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td colspan="2" valign="bottom" style="width: 20%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 13%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of</div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Number of </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Recorded </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">investment</div></td></tr><tr><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              483</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 13%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total recidivism</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             1</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $              483</div></td></tr></table></div></div>

3038973

3011687

3035214

3019202

3020670

3040400

3013151

3036700

100 50000 149000 P7Y 4 4 P90D 20309000 0 20773000 0 0 0 20309000 20773000 20309000 20773000 5969000 0 0 6465000 5960000 0 5969000 0 6460000 6465000 3644000 0 3644000 0 0 3566000 0 3566000 3644000 3566000 1983000 2035000 0 0 2035000 0 2035000 1983000 1983000 0 P90D 65000 38000 141000 13000 0.09 0.04 0.1 0.1325 0.1 0.0855 0.09 0.05 0.1 0.04 0.1 0.04 P0M P18M P0M P0M P15M P18M P12M P12M P18M P18M P0M P12M 0 105036000 98165000 98165000 0 0 0 105036000 1757000 0 0 1690000 1690000 0 1757000 0 0 4849000 0 4849000 164102000 0 0 0 150885000 0 150885000 164102000 0 0 0 0 23899000 23899000 29728000 29728000 12707000 0 12707000 0 13958000 13958000 0 0 44.50 34.70 50.50 53.15 50.50 53.15 34.70 44.50 P1Y <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div>The following table summarizes the primary segments of the loan portfolio and how those segments are analyzed within the allowance for loan losses as of September 30, 2015 and December 31, 2014 (in thousands):</div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total Loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Individually</div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> evaluated for </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Collectively </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td></tr><tr><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 178,280</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                        330</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 177,950</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    233,931</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        5,583</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    228,348</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      10,159</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      10,159</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,473</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,473</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      64,712</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        2,237</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      62,475</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      87,454</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      87,454</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    583,009</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     8,150</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 574,859</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance for loan losses</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        7,045</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 575,964</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr></table></div><div style="display: block; text-indent: 0pt;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">December 31, 2014</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 2%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; border-bottom: black 2px solid; width: 14%;">  </td></tr><tr><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 185,438</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                        316</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 185,122</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    215,584</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,112</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    209,472</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,353</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,353</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,497</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        8,497</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      58,516</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        2,394</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      56,122</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      79,717</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                      79,717</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                    554,105</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                     8,822</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 545,283</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Allowance for loan losses</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                        6,815</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 14%;">  </td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; padding-bottom: 2px; text-align: right; width: 14%;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 26%;"><div style="font-size: 10pt; font-family: times new roman; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Net loans</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $                 547,290</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 14%;">  </td></tr></table></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="font-size: 10pt; font-family: Times New Roman; text-align: justify; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">The following table segregates the allowance for loan losses (ALLL) into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of September 30, 2015 and December 31, 2014, respectively (in thousands):</div><div style="text-align: left;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: times new roman; width: 80%;"><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 31%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">September 30, 2015</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 31%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> December 31, 2014</div></td></tr><tr><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 28%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Individually </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Collectively </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Individually </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Collectively </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">evaluated for </div><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: center; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 9%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 2%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 11%;">  </td><td align="left" valign="bottom" style="font-size: 10pt; font-family: times new roman; display: inline; width: 10%;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Residential</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           39</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         874</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         913</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           25</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           853</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $             878</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Commercial and agricultural</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              34</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         3,769</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">3,803</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              72</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           3,798</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             3,870</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              17</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">17</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                26</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  26</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              91</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">91</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                84</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                  84</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Other commercial and agricultural loans</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            123</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">         1,322</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">1,445</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                1</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">           1,223</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">             1,224</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">State and political subdivision loans</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            586</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">586</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              545</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                545</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Unallocated</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">            190</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">190</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">              188</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">                188</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 28%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: left; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $         196</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      6,849</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="font-size: 10pt; font-family: times new roman; font-weight: bold; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $      7,045</div></td><td valign="bottom" style="font-size: 10pt; font-family: times new roman; text-align: right; width: 2%;">  </td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $           98</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $        6,717</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="font-size: 10pt; font-family: times new roman; text-align: right; margin-left: 0pt; display: block; margin-right: 0pt; text-indent: 0pt;"> $          6,815</div></td></tr></table></div></div> 867000 241000 5187000 0 0 549000 187000 405000 282000 237000 106000 686000 328000 243000 485000 602000 201000 101000 1000000 0.55 1000000 750000 1256000 39000 26000 P30Y P15Y P15Y P90D 725000 4356000 P90D 574016000 544598000 2674000 668000 641000 1431000 477000 836000 1529000 2908000 576690000 547506000 2014000 181000 204000 319000 5594000 5071000 2243000 48000 Amounts in parentheses indicate debits to the Consolidated Balance Sheet Amounts in parentheses indicate expenses and other amounts indicate income EX-101.SCH 6 czfs-20150930.xsd XBRL SCHEMA DOCUMENT 000100 - Document - Document and Entity Information link:presentationLink link:calculationLink link:definitionLink 010000 - Statement - CONSOLIDATED BALANCE SHEET (UNAUDITED) link:presentationLink link:calculationLink link:definitionLink 010100 - Statement - CONSOLIDATED BALANCE SHEET (UNAUDITED) (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 020000 - Statement - CONSOLIDATED STATEMENT OF INCOME (UNAUDITED) link:presentationLink link:calculationLink link:definitionLink 030000 - Statement - CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME (UNAUDITED) link:presentationLink link:calculationLink link:definitionLink 040000 - Statement - CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) link:presentationLink link:calculationLink link:definitionLink 060100 - Disclosure - Basis of Presentation link:presentationLink link:calculationLink link:definitionLink 060200 - Disclosure - Earnings per Share link:presentationLink link:calculationLink link:definitionLink 060300 - Disclosure - Income Tax Expense link:presentationLink link:calculationLink link:definitionLink 060400 - Disclosure - Investments link:presentationLink link:calculationLink link:definitionLink 060500 - Disclosure - Loans link:presentationLink link:calculationLink link:definitionLink 060600 - Disclosure - Federal Home Loan Bank Stock link:presentationLink link:calculationLink link:definitionLink 060700 - Disclosure - Repurchase Agreements link:presentationLink link:calculationLink link:definitionLink 060800 - Disclosure - Employee Benefit Plans link:presentationLink link:calculationLink link:definitionLink 060900 - Disclosure - Accumulated Comprehensive Income link:presentationLink link:calculationLink link:definitionLink 061000 - Disclosure - Fair Value Measurements link:presentationLink link:calculationLink link:definitionLink 061100 - Disclosure - Recent Accounting Pronouncements link:presentationLink link:calculationLink link:definitionLink 080200 - Disclosure - Earnings per Share (Tables) link:presentationLink link:calculationLink link:definitionLink 080400 - Disclosure - Investments (Tables) link:presentationLink link:calculationLink link:definitionLink 080500 - Disclosure - Loans (Tables) link:presentationLink link:calculationLink link:definitionLink 080700 - Disclosure - Repurchase Agreements (Tables) link:presentationLink link:calculationLink link:definitionLink 080800 - Disclosure - Employee Benefit Plans (Tables) link:presentationLink link:calculationLink link:definitionLink 080900 - Disclosure - Accumulated Comprehensive Income (Tables) link:presentationLink link:calculationLink link:definitionLink 081000 - Disclosure - Fair Value Measurements (Tables) link:presentationLink link:calculationLink link:definitionLink 090200 - Disclosure - Earnings per Share (Details) link:presentationLink link:calculationLink link:definitionLink 090300 - Disclosure - Income Tax Expense (Details) link:presentationLink link:calculationLink link:definitionLink 090400 - Disclosure - Investments (Details) link:presentationLink link:calculationLink link:definitionLink 090500 - Disclosure - Loans (Details) link:presentationLink link:calculationLink link:definitionLink 090502 - Disclosure - Loans, Impaired Financing Receivable (Details) link:presentationLink link:calculationLink link:definitionLink 090504 - Disclosure - Loans, Credit Quality Indicator (Details) link:presentationLink link:calculationLink link:definitionLink 090506 - Disclosure - Loans, Past Due (Details) link:presentationLink link:calculationLink link:definitionLink 090508 - Disclosure - Loans, Trouble Debt Restructuring (Details) link:presentationLink link:calculationLink link:definitionLink 090600 - Disclosure - Federal Home Loan Bank Stock (Details) link:presentationLink link:calculationLink link:definitionLink 090700 - Disclosure - Repurchase Agreements (Details) link:presentationLink link:calculationLink link:definitionLink 090800 - Disclosure - Employee Benefit Plans (Details) link:presentationLink link:calculationLink link:definitionLink 090900 - Disclosure - Accumulated Comprehensive Income (Details) link:presentationLink link:calculationLink link:definitionLink 090902 - Disclosure - Accumulated Comprehensive Income, Reclassification (Details) link:presentationLink link:calculationLink link:definitionLink 091000 - Disclosure - Fair Value Measurements, Measured On A Recurring And Nonrecurring Basis (Details) link:presentationLink link:calculationLink link:definitionLink 091002 - Disclosure - Fair Value Measurements, Quantitative Information (Details) link:presentationLink link:calculationLink link:definitionLink 091004 - Disclosure - Fair Value Measurements, By Balance Sheet Grouping (Details) link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 7 czfs-20150930_cal.xml XBRL CALCULATION LINKBASE DOCUMENT EX-101.LAB 8 czfs-20150930_lab.xml XBRL LABEL LINKBASE DOCUMENT Amendment Flag Current Fiscal Year End Date Document Period End Date Entity Well-known Seasoned Issuer Entity Voluntary Filers Entity Current Reporting Status Entity Filer Category Entity Registrant Name Entity Central Index Key Entity Common Stock, Shares Outstanding Document Fiscal Year Focus Document Fiscal Period Focus Document Type Award Type [Axis] Number of securities owned with fair value than cost Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions Amortization and accretion of investment securities Accretion (Amortization) of Discounts and Premiums, Investments Accrued interest payable Accrued Liabilities, Fair Value Disclosure Unrealized Gains (Loss) On Available For Sale Securities [Member] Defined Benefit Pension Items [Member] Accumulated Other Comprehensive Income Loss [Table] Accumulated Other Comprehensive Income Loss [Line Items] Accumulated other comprehensive income Beginning Balance Ending Balance Accumulated Other Comprehensive Income (Loss), Net of Tax Additional paid-in capital Adjustments to reconcile net income to net cash provided by operating activities: Roll forward of allowance for loan losses by portfolio segment Allowance for Credit Losses on Financing Receivables [Table Text Block] Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items] Antidilutive Securities, Name [Domain] Antidilutive Securities [Axis] Antidilutive restricted stock excluded from net income per share calculations (in shares) Assets [Abstract] Assets, Fair Value Disclosure [Abstract] ASSETS: ASSETS: Fair Value TOTAL ASSETS Assets Repurchase Agreements and Similar Transactions, Maturity Periods [Domain] Repurchase Agreements and Similar Transactions, Maturity Periods [Axis] Due after five years through ten years Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Amortized Cost Basis Less than Twelve Months, Fair Value Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value Due after ten years Available-for-sale Securities, Debt Maturities, after Ten Years, Amortized Cost Basis Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract] Available-for-sale securities Fair Value Due after one year through five years Available-for-sale Securities, Debt Maturities, Year Two Through Five, Amortized Cost Basis Twelve Months or Greater, Fair Value Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value Less than Twelve Months, Gross Unrealized Losses Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss Gross Unrealized Gains Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax Gross Unrealized Losses Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax Investment securities pledged as collateral Available-for-sale Securities Pledged as Collateral Total, Fair Value Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value Due after one year through five years Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value Total, Gross Unrealized Losses Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss Due in one year or less Due after five years through ten years Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value Total Available-for-sale Debt Securities, Amortized Cost Basis Fair Value [Abstract] Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract] Amortized Cost Available-for-sale Securities, Amortized Cost Basis Due in one year or less Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value Due after ten years Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value Available-for-sale securities: Securities available for sale [Abstract] Amortized Cost [Abstract] Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract] Twelve Months or Greater, Gross Unrealized Losses Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss Realized investment gains (losses) [Abstract] Available-for-sale Securities, Gross Realized Gain (Loss) [Abstract] Gross losses Available-for-sale Securities, Gross Realized Losses Total Available-for-sale Securities, Debt Securities Gross gains Net gains Available-for-sale Securities, Gross Realized Gain (Loss) Bank owned life insurance Earnings on bank owned life insurance Earnings on bank owned life insurance Carrying Amount [Member] Noninterest-bearing Cash and Due from Banks Cash and due from banks Cash and Cash Equivalents, Fair Value Disclosure Total cash and cash equivalents CASH AND CASH EQUIVALENTS AT END OF PERIOD CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD Cash and Cash Equivalents, at Carrying Value Net (decrease) increase in cash and cash equivalents Cash and Cash Equivalents, Period Increase (Decrease) Cash and due from banks: Cash and Cash Equivalents [Abstract] Interest bearing time deposits with other banks Other Commercial Loans [Member] Other Commercial Loans [Member] Commercial Portfolio Segment [Member] Commercial [Member] Commercial Real Estate [Member] Common stock $1.00 par value; authorized 15,000,000 shares; issued 3,335,236 at September 30, 2015 and December 31, 2014; Common Stock, issued (in shares) Cash Dividends Paid (in dollars per share) Common Stock, authorized (in shares) Common Stock, par value (in dollars per share) Employee Benefit Plans Compensation and Employee Benefit Plans [Text Block] Employee Benefit Plans [Abstract] Comprehensive income Comprehensive Income (Loss), Net of Tax, Attributable to Parent Accumulated Comprehensive Income Comprehensive Income (Loss) Note [Text Block] Construction [Member] Construction Loans [Member] Consumer [Member] Corporate Obligations [Member] Corporate Debt Securities [Member] Federal Home Loan Bank Stock Cost-method Investments, Description [Text Block] Doubtful [Member] Borrowed funds Debt and Capital Lease Obligations Borrowed funds Debt Instrument, Fair Value Disclosure Deferred interest expense Deferred Compensation Arrangement with Individual, Compensation Expense Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items] Deferred Compensation Plan [Member] Deferred income taxes Employer contribution to 401 (k) defined contribution plan Employer contribution to pension plan Defined Benefit Plans, Estimated Future Employer Contributions in Current Fiscal Year Defined Benefit Plan Disclosure [Line Items] Interest cost Net periodic benefit cost Defined Benefit Plan, Net Periodic Benefit Cost Components of net periodic benefit cost [Abstract] Defined Benefit Plan, Net Periodic Benefit Cost [Abstract] Expected return on plan assets Defined Benefit Plan, Expected Return on Plan Assets Obligation included in other liabilities Defined Benefit Pension Plan, Liabilities Cost recognized Defined Benefit Plans and Other Postretirement Benefit Plans [Axis] Service cost Defined Benefit Plans and Other Postretirement Benefit Plans [Domain] Deposits: Total deposits Deposits Deposits Deposits, Fair Value Disclosure Depreciation and amortization Directors [Member] Director [Member] Repurchase Agreements [Abstract] Dividends Dividend Income, Operating Basic earnings per share computation [Abstract] Diluted earnings per share computation [Abstract] Earnings per share basic and diluted [Abstract] Earnings Per Share, Basic and Diluted [Abstract] Earnings per Share Earnings Per Share [Text Block] Net Income - Basic (in dollars per share) Earnings per share - basic (in dollars per share) Net Income - Diluted (in dollars per share) Earnings per share - diluted (in dollars per share) PER COMMON SHARE DATA: Earnings per Share [Abstract] Compensation cost related to nonvested awards, period to be recognized Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition Compensation cost related to nonvested awards that has not yet been recognized Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Share-based Awards Other than Options Furniture and equipment Equity Component [Domain] Equity Securities in Financial Institutions [Member] Fair Value [Member] Fair Value Inputs, Assets, Quantitative Information [Line Items] Asset Class [Axis] Measurement Basis [Axis] Asset Class [Domain] Discount in interest rates Fair Value Inputs, Discount Rate Valuation Technique(s) Fair Value Measurements, Valuation Techniques Fair Value Measurements, Recurring and Nonrecurring [Table] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Nonrecurring [Member] Fair Value Inputs, Assets, Quantitative Information [Table] Recurring [Member] Fair Value Measurements [Abstract] Discount for time since appraisal Fair Value Inputs, Comparability Adjustments Measurement Frequency [Axis] Fair Value, Hierarchy [Axis] Significant unobservable inputs used in fair value measurement process Fair Value Inputs, Assets, Quantitative Information [Table Text Block] Fair Value Measurements Fair Value Disclosures [Text Block] Fair Value Hierarchy [Domain] Summary of assets measured at fair value on non-recurring basis Fair Value Measurements, Nonrecurring [Table Text Block] Fair Value, Measurement Frequency [Domain] Fair value, assets and liabilities measured on recurring basis [Abstract] Fair Value, by Balance Sheet Grouping [Table] Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] Fair value of financial instruments Fair Value, by Balance Sheet Grouping [Table Text Block] Fair Value Measurement [Domain] EX-101.PRE 9 czfs-20150930_pre.xml XBRL PRESENTATION LINKBASE DOCUMENT EX-101.DEF 10 czfs-20150930_def.xml XBRL DEFINITION LINKBASE DOCUMENT XML 11 R39.htm IDEA: XBRL DOCUMENT

Fair Value Measurements, Quantitative Information (Details) - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Impaired Loans [Member] \| Discounted Cash Flows [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 206	$ 230
Valuation Technique(s)	Discounted Cash Flows	Discounted Cash Flows
Impaired Loans [Member] \| Discounted Cash Flows [Member] \| Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount in interest rates	0.00%	0.00%
Impaired Loans [Member] \| Discounted Cash Flows [Member] \| Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount in interest rates	5.50%	5.50%
Impaired Loans [Member] \| Discounted Cash Flows [Member] \| Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount in interest rates	3.19%	1.99%
Impaired Loans [Member] \| Appraised Collateral Values [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 7,748	$ 8,494
Valuation Technique(s)	Appraised Collateral Values	Appraised Collateral Values
Impaired Loans [Member] \| Appraised Collateral Values [Member] \| Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal	0.00%	0.00%
Selling costs	5.00%	4.00%
Holding period	0 months	0 months
Impaired Loans [Member] \| Appraised Collateral Values [Member] \| Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal	30.00%	30.00%
Selling costs	10.00%	10.00%
Holding period	18 months	18 months
Impaired Loans [Member] \| Appraised Collateral Values [Member] \| Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal	16.66%	22.00%
Selling costs	13.25%	8.55%
Holding period	12 months	15 months
Other Real Estate Owned [Member] \| Appraised Collateral Values [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 1,429	$ 1,792
Valuation Technique(s)	Appraised Collateral Values	Appraised Collateral Values
Other Real Estate Owned [Member] \| Appraised Collateral Values [Member] \| Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal	0.00%	0.00%
Selling costs	4.00%	4.00%
Holding period	0 months	0 months
Other Real Estate Owned [Member] \| Appraised Collateral Values [Member] \| Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal	20.00%	20.00%
Selling costs	10.00%	10.00%
Holding period	18 months	18 months
Other Real Estate Owned [Member] \| Appraised Collateral Values [Member] \| Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal	20.00%	20.00%
Selling costs	9.00%	9.00%
Holding period	12 months	12 months

EXCEL 12 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx M4$L#!!0````(`%)594],\DZWZ47#RM'8;`T;1?&11.C.V%\JY5EK6Z6J4M(OXV+I(8?.6PN_"Z9 M-GEHKIM]6I'O?_DL&R]Q8=IKKY[UAL%B;V/*Y](HW6T;U;/U\T=KY_^Y32@_ M54WUT/E4Z*/>LDM2\22I@:76?_)^VRF5]?0CPURXQX^B49[J^^C3?+=_&Q\+ M]I!*D>A*D?!*D?A*DQW8OG*\M"_V/Z'D4X$G1H>)%]2-F`Q+M*;V" M^GH`A3&^.R6:E((C-Z."N[_8_`)02P,$%`````@`4E5E1Q.#K'*E`0``]1@` M`!H```!X;"]?HZZZ<=OV!8B.8I1+F&E:W[[416,O\Z4+DV\#@4G._%<_""R;D"^>_+F, MQ[8)U;$+H_?ZW(3%<'^553%V"^?"MO)U&1[:SC?#ZK[MZS(.E_W!=>7V5!Z\ MTSR?N/YV3K9>_IP]VNQ66;_9239Z*?N#CZOLK>U/H?(^!G<]R<.PP;!\Z?Q_ MMF_W^^/6/[;;U]HW\8\*][5!YM)!F@Y22I"E@XP25*2#"DK0.!TTI@1-TD$3 M2M`T'32E!,W203-*T#P=-*<$20YDS#E)"&N.U@*X%H[7`L`6CM@"R!:.V0+0 M%H[:`M@6CML"X!:.W`+H%H[=`O`6CMX*]%:.W@KT5M*[-GK9YNBM0&_EZ*U` M;^7HK4!OY>BM0&_EZ*U`;^7HK4!OY>BM0&_EZ&U`;^/H;4!OX^AM0&\C?2M! M'TLX>AO0VSAZ&]#;.'H;T-LX>AO0VSAZ&]#;.'H;T-LX>A=`[X*C=W&C=ZC* MWN^>8W]L#N'>-=^&PZ(;O$.\G/W]4ZY38<.-UG'8R;OK\>Y/L^O4SQ#WZP_' M^@-02P,$%`````@`4E5E1]I&XBCU`@``QPH``!````!D;V-0&ULO5;;;N(P$/V5$4]=J=NPM.I*B$8*D`HD;EO2[K/K#&`1[,AV4-FOWTD" M;&A#:/JPO#`9G^/QG!E?.M(TVS.M8M16H(&W321-FYP/C96U<=MQ#%_AAID; M@D@:72B]898^]=)1BX7@V%<\V:"T3JO9O'?PS:(,,?P>'R=MN)TTBA?'D>#, M"B7=L>!:&;6PX+]QC#K.>T#&H)GGR!,M[,YMYIBB*\/,.8NP1['-O=F=A0;J]W?2J_-"M&: MCG-T9F816[3%G7O7S!!DG2*=8V;N7K:3O%-/(&R$9KJ8,6W_DQ193@K-YW,IZ-AWPO\/G2]D3?I^3`?^'X`5\\3 M[PN4!_8W\2P/01AI/>=%R30XS94UV.-Q]`*:?+C#"@%C#3:$B_\VKY M3$OJ``.T?R#;<:6PH>1J@Q"P-SI)J.#F'&R+QJ85,Z7C(\5D^<@CAJA9!(,T M3`J#+I-KF%O%UZ6$)XP3S5?41>`M->+YH/XFCM0.$;HH<2$LS*)SJ_`X]5L2 MT;D40GJ::5Q1KF*+D`E0OG+://#"H@1AC,PDNF(I3\C3;J8P*J%NEDLJD))D M\XSTR0K!5:9=^NU2#:F!6C&I(J7D>O3A'5%\$+R[_IW39ZO[%U!+`P04 M````"`!2565'#2FZ63X!``!I`P``$0```&1O8U!R;W!S+V-O&ULS9-- M3\,P#(;_"NJ]2],Q)**N!T"5K(&517!$-R"5'3@[`W`W$K*ZD8,(#1^M[O!0#WNU\DV!2$&A`@\%`Z(22 MK'XV6V-;4Y%17U?1<<,#+JQ4*P7RIAO+?J=B9P2OPU$.FY'7Q\)3.)E7;J_#*]O5O>9W59T%E. M:5[,EK1@ER4KK]\.DWWS-QK6_1#_UO')8-HN*FS@S-TFC4S+39\))"$(KQPJ M:\[")97)PC$`8``)PG```3````>&PO=&AE;64O=&AE;64Q M+GAM;.U:6W/:.!1^[Z_0>&?V;0O&-H&VM!-S:7;;M)F$[4X?A1%8C6QY9)&$ M?[]'-A#+E@WMDDVZFSP$+.G[SD5'Y^@X>?/N+F+HAHB4\GA@V2_;UKNW+][@ M5S(D$4$P&:>O\,`*I4Q>M5II`,,X?+&A`T%116F]?(+3E'S/X%/F7/Z3H=,H%N,!M8('_.;Z?D3EJ(X53"Q,!J9S]6:\?1TDB`@LE]E`6Z M2?:CTQ4(,@T[.IU8SG9\]L3MGXS*VG0T;1K@X_%X.+;+THMP'`3@4;N>PIWT M;+^D00FTHVG09-CVVJZ1IJJ-4T_3]WW?ZYMHG`J-6T_3:W?=TXZ)QJW0>`V^ M\4^'PZZ)QJO0=.MI)B?]KFNDZ19H0D;CZWH2%;7E0-,@`%AP=M;,T@.67BGZ M=90:V1V[W4%<\%CN.8D1_L;%!-9ITAF6-$9RG9`%#@`WQ-%,4'RO0;:*X,*2 MTER0UL\IM5`:")K(@?5'@B'%W*_]]9>[R:0S>IU].LYKE']IJP&G[;N;SY/\ M<^CDGZ>3UTU"SG"\+`GQ^R-;88C'(CN]WV6'WV3T=N(]>IP+,BUY1&)$6?R"VZY!$XM4D-,A,_ M")V&F&I0'`*D"3&6H8;XM,:L$>`3?;>^",C?C8CWJV^:/5>A6$G:A/@01AKB MG'/F<]%L^P>E1M'V5;SOX%^9PU"AR1&QT"9QNS1B&$:;OP'J\DCIJMPA$K0CYB&38:CFED)O816:I^J MAS0^J!XR"@7QN1X^Y7IX"C>6QKQ0KH)[`?_1VC?"J_B"P#E_+GW/I>^Y]#VA MTK\>WZ MV22$KYI9+2,6D$N!LT$DN/R+RO`JQ`GH9%LE"0AMNZ5/U2I77 MY:^Y*+@\6^3IKZ%T/BS/^3Q?Y[3-"S-#MW)+ZK:4OK4F.$KTL@'37[]EUVY".E,%.70[@:0KX#;;J=W#HXGIB1N0K34I!OP_GIQ7@: MXCG9!+E]F%=MY]C1T?OGP5&PH^\\EAW'B/*B(>ZAAIC/PT.'>7M?F&>5QE`T M%&ULK"0L1K=@N-?Q+!3@9&`MH`>#KU$"\E)58#%;Q@,KD*)\3(Q%Z'#GEUQ? MX]&2X]NF9;5NKREW&6TB4CG":9@39ZO*WF6QP54=SU5;\K"^:CVT%4[/_EFM MR)\,$4X6"Q)(8Y07IDJB\QE3ON>;G*YZ(G;ZEW?!8/+]<,E'#^4[ MYU_T74.N?O;=X_INDSM(3)QYQ1$!=$4"(Y4 MU#VT%SU&\Z.9X!ZSAW.;>KC"1:S_6-8>^3+?.7#;.MX#7N83+$.D?L%]BHJ` M$:MBOKJO3_DEG#NT>_&!()O\UMND]MW@#'S4JUJE9"L1/TL'?!^2!F.,6_0T M7X\48JVFL:W&VC$,>8!8\PRA9CC?AT6:&C/5BZPYC0IO0=5`Y3_;U`UH]@TT M')$%7C&9MC:CY$X*/-S^[PVPPL2.X>V+OP%02P,$%`````@`4E5E1VL*@H```T```!X;"]S='EL97,N>&ULS59=:]LP%/TK0BFCA1';"4UI:QM& M(3#8RJ!YV%N1;=D6Z,.3Y>5ZB@ISO9(+R9#24UEX=24QRFH3Q*@W\_V%QQ#A M,`YYPY9,U2`5#5<1G/<03+QGZ_N]_%+NW`% M@>/XFD4P6%Q#[_6D4_\PKU[;HUZ\D?JOW/OD-X;O-I7>'!<<.Y'6 M[XAW(=$FF%WO!-A!YTV$S+#L,P=P"\4AQ;G2`9(4I1F5J(QTH91@VL@(*@1' MU%!N(SI#TZ:8TB?SI?S,1]QM#IR/.6,?`J-B:^I"=.9P#6Q1O5TVQ[U+>QHO M:/,^@8Y&544W7R@I.,-.K(.6HIL=HP\.T,1WQ)5*]RJ[@9[;7Y(X:E;_I^:WK]J@QI]!3^Z/"V2 MYC?'C\Q^G7!/YL?>FA,DO$-Q3&,[6VF+QB M!`?[FY$?+'JO54\1P<'^CC/2L%NK8'AMQG\`4$L#!!0````(`%)594=Q<4S( M_`,``&<-```/````>&PO=V]R:V)O;VLN>&ULE9=;<]HX%(#_BL9/[4QFP3:0 MEBF=X>)LF$F`#33[+.Q#T$26/)*<2W_]'AEH#T%DFR=;ML]G73X='W^S_6=M M'M=:/[*74BK;-X-HZUS5;[5LOH62V[]T!0KO;;0IN<.F>6CIS4;D,-%Y78)R MK:3=[K4,2.Z$5G8K*AOM:?9/:+8RP`N[!7"EW,%*+E3T_9OM;X2$>S`6P8Q7 MU8R7,(A>9,0DMRXKA(-B$'6PJ9_AZ(*IJU$MI&]TV]VHY6&'H2X,RW4!.]AJ M*^R_^QL1*V##:^E6V-G#>P=1G'22I+=C^,?N!3Q;"O07&,^=>((57P^B=L1X M[?25D`[,A#OXV^BZ$NH!61';"&/=T@^W>;(42I3BI^\WMNQ6/U]K(WYJY;A< MYD9+V43Y&TT0OL'^NH)]="(_>M#Q]9U?B4'4:R/P25BQ%E*XUT'4G$OP(VF] M&4HS_;_/F&HFY[#$C*N"9F&D1[Z:*@L;S MV7)^,YT,5]F$C88WP]DX8\OK+%NQ3S]F0P)*""CY*"@EH)2`TO\!+5=XN,UF M*S:_8M/9>'Y+0!T"ZGP$A)C%'0%U":C[(=!P>,:-0EP)4'44>X,&/NN+@E-G@EU-PFX>T:70['34X"1@\&GN"7.HQDE`XR-I0@`J;Q*0=V]-*)0*FP2$ M;4(OV+2L<'YQE:Z$XBKW6\EO+D%1U-WDG+L7;(P8E.:?FLO=U[O`>L%I0[^4 M5.;T7(J]8`NLN=BD#D]K2CU.`Q[O(2LLA=`0-H&UPT%99^KIP&/ MW\O@V#F*.JH"`AZ?V:>A`5*/TY#'9S;JGD515.4TH/*[&S7M412U.0W8_#[J MDJ*HUVG`ZS-[_F+?HBCJ>1KP_"P*/<5/!T51S].`YV=1HU?40M)"CGK>:>_+ MX-^5+Q;_0D'A_PML\QHLK'/_LX"'7470Z?I/AF_?X@_$(/)5/A;TM91CO#97 MZ&)3"^_(A]^#[_\!4$L#!!0````(`%)594<&PO M=V]R:W-H965T&ULC9;;CILP$(9?!?$`BP^$'$20-JFJ]J+2 M:B_::XW4DPOC+9%JR*^)Z#DE9V-JFP0!D"4MJ;NXR,W<&R]R=I-- MW=$W'HE;VQ+^YT`;]MC',!XGWNMK)?5$4N3)Y#O7+>U$S;J(T\L^?H6[(\RT MQ"A^UO0AG/M(+_[$V(<>?#_O8Z#70!M:2AV"J,N='FG3Z$B*_'L(^F1JHWL_ M1O]JTE7+/Q%!CZSY59]EI58+XNA,+^36R'?V^$:''%8Z8,D:87ZC\B8D:T=+ M'+7DTU[KSEP?]DF*!UO8@`8#F@P8+1KP8,"3`:8F4[LRD]<7(DF1<_:(N'T9 M/='O'.ZPVKDR$F:2V^U2F0DU>R]`GMQUF$&!C.+@*N"D2%3L"8!"@,&.'#L* M`8ZN`HR":;A*K9AP'H!L';+``0)GF0FA\T"8N/Z41"Q^0_$=@&Q M=?TXB/`D,P6E_Q]F&?KA,T*XIGS-3%7!8...%*\O@X5U'#2VLC``$*QG]@P& M6WA$N1T*-\$:'C06A8"3ML\)=O+(<5L9;GU.-G!<#0(SE*6&AVX_.ZWFO1Y/ M@V8H2UT/W;9'X4KS-7.EMM3UT&UJ-%-JGN;?4DN6.6$NC$FJ%@%>5*J5^IB8!@V]2'V[ MUO5CCU<[D*P?OQ:F3Y;B+U!+`P04````"`!2565'D_Q:I)2$TY7%5 M3"J5'%*UM8?DS-CRF%I`#C#CS;\/G]Z6JZ4YC`U^6WK5@J<;]G?7?>^OU@[) MCZ9N^]?==1AN+VG:GZZV*?LO[F;;\9>+ZYIR&`^[][2_=;8\ST%-G0)C6=J4 M5;L[[.=S7[O#WGT,==7:KUW2?S1-V?UWM+6[O^[X;COQK7J_#M.)]+!/'W'G MJK%M7[DVZ>SE=?7[=LUIF(8H MQX]/6]BZGD8:9_YW'?3GG%,@_KZ-_ON\W-'^6]G;PM7_5.?A.KIEN^1L+^5' M/7QS]S_LN@8U#7AR=3__3TX?_>":+627-.6/Y;-JY\_[\DO.UC`Z`-8`>`1P M&0T0:X!X"D@79_.Z?BN'\K#OW#WIELVXE=.>\Q<@67I!5/Q24(VDL6\9)A+X+TDJ%9,IDQT@H6*8-$GA,=<:*Q$W*]1XTF M$2/SGB^HU8LOR[C,:#=YQ$V.W2C238ZS#S(GO6"1-)HV8B)&##:2D48,SKT> MLT]?+9Y,:C"!39H(&[0S_?C3#WF''%?-EADE:3]/,J$"V>$D)#<_&'""W(/C MJEDO")6162Q\589,^VY(6FYN,"Z%H=V`=V^#"M@)RWP_,?IRC%])WBU'CM$* M3&N2`L633+!`,>`Q!'/,8$DSF'N`A?&/]H-EFF>A],1`S#&))4UBCB%KE#"! MLN#K0#$9J+:]=69E1@3=I;NX)0DF,DY1Y* M`WN.,9D9EAM25_@ZG4L68D8,J1PSE8;3D6-::C-.1?/=UVEA1($95P%25 M=+D!C$LIL\">^3*N3>`^A1A5`5-5TE4'N+=G-#4\D0XQ#&),!L-8%3FBK$`4GT=2`6!B@PD4[<.W6-J:+=C&`2, M044C`S#>Z+8K(/%]Q'I1P/!3-"D`-YI"T*U9$5;Y;F(@!0Q211<'P(`$Q6F\ M%<\R%J[9/WMPPN&9^ MQ7%Q;K#C:.S+N,ZK+<^/@]I>ANFKGA*PO-]9#@9WVUY7/=Z9'?X'4$L#!!0` M```(`%)594>OM?G`.0(``,,'```8````>&PO=V]R:W-H965T&ULA97+CILP%(9?!?$`8\`82$20.E15NZ@TFD6[=A(GH#&8VDZ8OGU](1D3 M>=PLXMO_G_,=&]GUS/B;Z`B1T?M`1[&+.RFG+0#BT)$!BRC1$GIUW\)=VVJ9$8Q:^>S,+I1QI^S]B;'OPX[N)$ M,Q!*#E*'P*JYDI90JB.IS'^6H!\YM='MWZ)_,^4J_#T6I&7T=W^4G:)-XNA( M3OA"Y2N;OY.E!J0#'A@5YC\Z7(1DP\T21P-^MVT_FG:V*U6RV/R&;#%D=T.: M!PUP,<`'`[!DIJZO6.*FYFR.N#V,">LS3[=0[=PA$F:2V^U2E0DU>VU058.K MCK-(,B-Y=B693]&N%!]!@,I_A\A\$-!"9"[$QN^'/G]N_=#Q%\D:L;1%6,EH M)&62(Y^H=45%E2(_21ZH)'=(\D\J08%*D%M)ZJT$.9!>1>M7K!B*`$/A,CP< M.+(,A9,!)N;GT[4AW8JG#/"4+@_T\I1.'C^)7[%BJ`(,E\^E^N^Y^!4K MADV`8>,R(.\^;-P,*'`P0>&*2%^%GR+IQ0^FPLNT:):/`$*40:^P#0K73-X; M[<;DWD9%Z6=*5ZGRU+^?[4J7;8JL>MPEX%RW$SZ3GYB?^U%$>R;5S6VNV1-C MDJAHR9.*VJD7]3Z@Y"1UM]3I[!MC!Y)-MR?S_FXW_P!02P,$%`````@`4E5E M1T1VOI/L!@```"8``!@```!X;"]W;W)K_CW,/\LR;OW[O2]?VG;8?7SL#_VG]8OP_!ZN]GT#R_M8=O?=*_M]P=VF._ZXZK4_OT:?W9W#8N MG9`S\=>N?>_9Y]74^6]=]WWZ\L?CIW4R]:'=MP_#5,5V_/.CK=K]?JII;/F? MN=*/-J>"_/-2^V]GN6/WOVW[MNKV?^\>AY>QM\EZ]=@^;=_VP]?N_?=VUN"G M"A^Z?7_^?_7PU@_=82FR7AVV/R]_=\?SW_?++UDR%\,%:"Y`UP+7=G`!.Q>P M'P5\V/Z9Z9H3.2"F0`B$U1\R5V(SM7SM!J!-S"\2*$VJ@ MXD26P#[\;R6-4HGHID7=M)>QLKR\(M.A\NY2WO'R01>SRTA&6* MTL@4IUR,P^6SR&!DO#R4469\]HH4(QA=8S61XJISIQP\]L)5R9N;ASU.\!P,J@775@J+4)02%A1CKF=0&W6G> MCH8;2Z:-#K26971XT,_A/)4SLT06O#JK@"J@[%I0-LGQK$N*"B52&>A&BS)N M1P['FIF9^YPIP@3D%%T<\F2P+`XY+?Z:F$<:;I(Y;*8TW+4,&1Q#`\KBF",H MFR8P>C62RK0X:F(^:;A1YG"42\/]*TOQK%:2\GA::T$1905VS!"S2D0UT#87 M;=PWC7!IAYQZG+I6D M'"DS)MR:'$Z5F@`CK\T8M/4ELG)?S[U20\Q&#??1'&<&1MA;XI4`)"EL_+6@ M;.*5R"JH,8M03B,Q1R7NJ#G.$"@101,G/1+R,)K5`O*$YSR`%"\EZ*6+*NZE MV)?*F9D[C,-O)2&GJ.*0QPE'(R">\$E5,7\GX>]P&DKB;IOC'2H8)9\3C,%A MKI&04>(.Q9R=N+,7.&+L`G(61U,)Y=I,Q9R=N+,7V-E)>#;> MXI6$E%@J()="J"%I_DH&,IQ:,5=Q<0*3EIC;F MYI:[.'6"4R\!&0S5`DJ5VS-6&KHF*V;HU@E9V-&M MN,.,C[V5@`S.N&L!.7Q3M)'-:=YG8XYNO9"%+=U*(U;BA?1]91%R*,51I1'0 M>#!49,4LW0I+5U0)LS9X`U8!E2JK,)7[1IDO05FOW%BQL6.ZS<2$X6S%\D.S MS[VR$`65I,I*Y)1)4Z-H$YCGZ:P4%\LV;"[$X9L05J0;WBK+D5..\.FN%I0Q M/"L6X@1&/E52*1M+.&PAQ.%3MCSM$U21*!;M8K?DG7C6FR@1UL5< MWI&H(E"4SZ/#?3>Y"1/M?!X=X?,WQB"J%I2]"7=1/H^.I+1'2RYF]4Y:?1!` MBUF:C4HK9FDV*JV8I5DIS2*J"2A56O3IM;![$VR>Z7'/69L3VL)[7LNB%H8/ M:ZHELNA/3V?7RSJ5P_=VW&88A2[>GUYZ3--K\<$UTMS6QEPO3:WS>75I(_J[^]> MM\_MG]O3\^[8K[YUP]`=SF_0/'7=T(X]'Q?Z>O72;A^O7_;MTS!]S"9IEQ>4 M+E^&[G5YW^KZTM?]?U!+`P04````"`!2565'B>044!P#``!;#```&````'AL M+W=OQ,GQJ3ST=2M6+LG M*<\KSQ.[$VM*\<3/K.V?''C7E+*_[8Z>.'>LW`]&3>UAWP^]IJQ:=Y,.:R_= M)N4765^D<<6F:LON[936_KEWD3@L_J^-)J@5ODWJSW;YJ6"LJWCH=.ZS= M9[0J4*"0@?A5L:LP?CLJ^5?.W]3-]_W:]54.K&8[J5R4_>6=9:RNE:<^\A_M M]!93&9J_)^]?![E]^J^E8!FO?U=[>>JS]5UGSP[EI98_^?4;TQJH#>8XL$&@#8*;`7EH0+0!^6P$ MJ@WH701OU#Y4+B]EN4D[?G6ZL=WG4KU5:$7[WNP<,2QV8T/ZVHE^]7V#4)!Z M[\J19O#`;$TF3"`DM]S,A-!H2QT!&R88RA`9A*1#^;P7R?%@A,KS0!* M,QB+%5C%(K`#`CD@HP-B.:!VDM%8BY%I1QDQC2`H,Z$@"&,(RDTH06$(084% M)7X"BZ(/JD(M42'L('Q0E=!R<">8CE4)C321GQ`(RDPHIA1B"ANB80"KBA^HBBU5":@J M-L)0,-W,1.X_.5J1A5"0*4PF6.A1\D!-\HD>)5;1P%`D^]212V^@5NEJV&QCAA!.\H"R(+>\J" M(O#K6%@,CI:V%0)/R4F6=4SBNQKK4TY#>O=2#)Y@F4U%,8*HW*(23$"JL"B$ M0Q+=:?.,R:EAW7&8686SXY=6JL/.6)WGXF>L)J^[]2U:90A8S]4; M]%P>V8^R.U:M<%ZY[.>]83@[<"Y9G[?_U+?FU$_Z\TW-#E+]C%3/QMEWO)'\ M/(WR\_\3FW]02P,$%`````@`4E5E1T?=N.LZ!0``A1H``!@```!X;"]W;W)K M:3=J$J7X"$U_9;_GA<<;:WNOG9'LNR6_VJSI?V>7WL MNNO39M/NCV55M%_K:WGI_WFMFZKH^LOF;=->F[(XC(6J\P:4#^9>Z_CE<_'EX7JO!0WDN]]U01=%_ M?91Y>3X/-?4M_SM7^MGF4##\O=3^^QAN;_^E:,N\/O]S.G3'WJU:KP[E:_%^ M[G[4MS_*.08[5+BOS^WXN=J_MUU=+476JZKX-7V?+N/W;?K'J[D87P#F`G`O M<&^'+X!S`?PL8,9()V=C7+\57;';-O5MU4R#<2V&,==/V/?:A(%-\"$J,%,%)JQ`6VHRF<*8-)=1DVKG.%%.1*E*>2LV$HLEL5B^`A>)Q045 M^(-9*&K3R!5/62:BQ3C`R0$QT,OQYMY*R/9_-FMF* M07Y\'E1>&"'-4FAQ$R(F97L_FS5+.\[P;H@*@V5*W;#`6MP`&29V"+)9-#>D MT6JA>XC.*RLL: M]UI->(P"*R#&45"D"GYW@1"1_4)(^1&GL@110"G$4`HD6T-^CP%-YKE)^#%_ ME&FIAV(T!4)3?D/+@%#2>N?8GLRISIB>7X*E&$Z!X-3P.`4DEA2/=ZI"D+(" MB.$4"$X-CU,(00G:"GZ(RJ=2OA[#*1"<\CS(P!(>J%08,$LW@538_B`&52!0 M-3Q4@?`24FUXQE.=<5)N"S&P`@&KX<$*"<6\L.J)RDKY`<3`"@2LA@U$^8SLHQ>'@\)HZ68,$95)%3E M9U:&(2X!T\<'R3DD(M-I`@)5,495)%0U/%4QI*4%SR$HG)>"Q,08T1%0E2> M31D25B8"4:G*@)(.!&)$14)4RQ,5:>J9"`\X5(;::V%?QAA4D4#5\E!%"E64 M9A"1)0%8J)\84Y$PU?),1<)*3(0UM)CF)414)5RU,5/6E**_Z)G<@T&&E2Q\"*!*R6!RN&P-3][BT,&9$IY84Y M9&+)KR%@M7SR:TA6JU#S#^Y4UC_$28983,^D-P33TF&1B8'5$+!:'JPF1"8Z M(7VF*N^E@\D86`T!*W]6EYD0F6"`7Q14I;S`>1,]*"5<=3Q7#,;$) M3O>KLGD;WWJTJWW]?NF&X_3@[OW-RC<8W@X\W,_T4SZ]'_FL9K>]%F_E7T7S M=KJTJY>ZZ^IJ?%'P6M==V7M37_N>.I;%X7YQ+E^[X6<.>-+.6GS9GL`ASZD4/:$>^>&(R&V[D$R^Z`' M4/Y/JXUDSJ>F(W8PP)I(DH+0+#L0R;C"51EK+Z8J]>@$5_!BD!VE9.;/&82> M3GB';X57WO4N%$A5DH77<`G*+UJ_A>1' M<$9L``":A<4F%^N\`1"!"'?^'W6_&P9B.OXIOXM3NO=7YB%)RU^\\;UWFR& M40,M&X5[U=-WF$?8!\%:"QN_J!ZMT_)&P4BRC[1R%=&D6;S\RQJC1Z0B9M[<#"">Z.U&]$C6PLFC2]-VI]]5KM#D5)KD%HQM"( M.=]A%@3QZDL+NM5BIM,5G6[3\RUZGASF=P[WVP+%ED"1!(K_C9@PYWO,X9\F M9+6G$DP7KXY%M1Y5O*BKZG(['VD\DT]X50ZL@Y_,=%Q9=-'.GVP\AE9K!]Y$ M]K#'J/?O9TD$M"Z$7WQLTI5*B=/#[8$LK[3Z"U!+`P04````"`!2565'NV*9 MI*,!``"Q`P``&````'AL+W=OZ:EE42$Y"HD9:5_7SYD10Z$7L3=U+V!GO0_D^#1G'G4],RVQO@=20IR?(LNV.* M"TW+(M9>3%G@X*30\&*('93BYN\1)(X'NJ&7PJMH.Q<*K"S8S*N%`FT%:F*@ M.=#'S?ZX"X@(^"U@M(N8!.\GQ+>0_*P/-`L60$+E@@+WRQF>0,H@Y!N_3YJ? M+0-Q&5_4G^.TWOV)6WA"^4?4KO-F,TIJ:/@@W2N./V`:X38(5BAM_))JL`[5 MA4*)XA]I%3JN8_JSS2;:.B&?"/E,>(@$EAI%F]^YXV5A<"0F;6W/PPEN]KG? MB(K86#1I>F_4^NJYW-S=%^PK].W:_1M M0X/HP)O(;FXIZ?S[F1,)C0OAO8]-NE(I<=A? M'LC\2LM_4$L#!!0````(`%)594?TRV]&H@$``+$#```8````>&PO=V]R:W-H M965T&UL?5/+;MLP$/P5@A\0RK*3%(8L($Y1-(<"00[MF996 M$A&2JY*4E?Y]^9`5.5!R$7=7,[.S?!0CFE?;`3CRIJ2V!]HYU^\9LU4'BML; M[$'[/PT:Q9U/30 M.![HAEX*+Z+M7"BPLF`SKQ8*M!6HB8'F0!\V^^,N("+@MX#1+F(2O)\07T/R M5!]H%BR`A,H%!>Z7,SR"E$'(-_X[:;ZW#,1E?%'_$:?U[D_; M45)#PP?I7G#\"=,(MT&P0FGCEU2#=:@N%$H4?TNKT'$=TY]M-M'6"?E$R&?" MMTA@J5&T^9T[7A8&1V+2UO8\G.!FG_N-J(B-19.F]T:MKY[+S7U6L',0FC!Y MQ!RO,#.">?6Y1;[68J+G"WJ^3M^NT;?)X?;*X2?]=VL"NR2P^VK$A#E>8SZZ M9(L]56#:>'4LJ7#0\:(NJO/M?,CCF;S#RZ+G+?SBIA7:DA,Z?[+Q&!I$!]Y$ M=G-+2>??SYQ(:%P([WULTI5*B@$5_!JD!VE9.;O"82>CGB'KX4WWO4N%$A5DH77<`G*SUJ_A^2E.>(L6``!M0L*S"\7>`8A@I!O_&?6 M_&H9B.OXJOX]3NO=GYF%9RU^\\;UWFR&40,M&X5[T],/F$?8!\%:"QN_J!ZM MT_)*P4BRC[1R%=B1C8639K>&[6^>JEV#WE)+D%HQM"(.=U@%@3QZDL+NM5BIM,5G6[3\RUZ MGASF-PZ+;8%B2Z!(`L7_1DR8TRUF_T\3LMI3"::+5\>B6H\J7M15=;F=3S2> MR1>\*@?6P4]F.JXL.FOG3S8>0ZNU`V\BN]MCU/OWLR0"6A?"!Q^;=*52XO1P M?2#+*ZT^`5!+`P04````"`!2565'R![ZR*,!``"Q`P``&0```'AL+W=O`*\C24G*\OR!*BYT5A:Q]FK*`@_9E;>$;Y6]2N M\V;SC-30\$&Z-QR_PS3"?1"L4-KX)=5@':HK)2.*?Z95Z+B.TY_]1%LGL(G` M9L)C'HVG1M'F"W>\+`R.Q*2M[7DXP?RG"5WLJ0+3QJMC286#CA=U49UOYQ.+9_(%+XN>M_"3FU9H2\[H_,G&8V@0 M'7@3^=U]1CK_?N9$0N-"N/>Q25:.?<<&3,5AUH8>]P@-[_:=!HX;QK6F8'`Z*.)*T8 MS[)/3`O9T[*(L6=3%C@Z)7MX-L2.6@OSYPP*IQ/=T5O@1;:="P%6%FSAU5)# M;R7VQ$!SHH^[XSD/B`CX*6&R*YN$VB^(K\'Y7I]H%DH`!94+"L(?5W@"I8*0 M3_Q[UGQ/&8AK^Z;^-7;KJ[\("T^H?LG:=;[8C)(:&C$J]X+3-YA;N`^"%2H; MOZ0:K4-]HU"BQ5LZ91_/*?W)LYFV3>`S@2^$0R2PE"B6^44X418&)V+2U0XB M3'!WY/XB*F)CT*3N?:'61Z_E[N%SP:Y!:,;PB#E_P"P(YM67%'PKQ4SG*SK? MIN^WZ/M4X7Z=_9!M"^1;`GD2R/_78L*JP;1Q=2RI<.SCHJZB MRW8^\CB3=WA9#**%'\*TLK?D@LY/-HZA073@B\CN[BGI_/M9'`6-"^:#MTU: MJ>0X'&X/9'FEY5]02P,$%`````@`4E5E1X.EO3>B`0``L0,``!D```!X;"]W M;W)K&UL?5/+;J0P$/P5RQ\0,X9DHQ&#E$D4)8>5 MHAQVSQYHP(H?Q#9#]N_7#X8P*[07W-U455?[44[:?-@>P*$O*90]X-ZY84^( MK7N0S-[H`93_TVHCF?.IZ8@=#+`FDJ0@-,ONB&1\PY?".^]Z%PJD*LG":[@$9;E6R$![P`^[_;$(B`CXQ6&RJQ@% M[R>M/T+RVAQP%BR`@-H%!>:7,SR"$$'(-_Z<-;];!N(ZOJ@_QVF]^Q.S\*C% M;]ZXWIO-,&J@9:-P[WIZ@7F$VR!8:V'C%]6C=5I>*!A)]I56KN(ZI3]Y/M.V M"70FT(5PGT7CJ5&T^<0Z/65\_5[IZ6 MY!R$9@R-F.,59D$0K[ZTH%LM9CI=T>DV/=^BY\EA?N4PWQ8HM@2*)%#\;\2$ M.5YCBG^:D-6>2C!=O#H6U7I4\:*NJLOM?*#Q3+[A53FP#GXRTW%ET4D[?[+Q M&%JM'7@3V+@]D>:757U!+`P04````"`!2 M565'SPC)S*,!``"Q`P``&0```'AL+W=O;0?@T*<4RAYPYUR_)\16'4AF;W0/RO]IM)',^=2TQ/8&6!U) M4A":9;=$,JYP6<3:LRD+/3C!%3P;9`4,CR!$ M$/*-/R;-GY:!N(POZK_BM-[]B5EXU.*-UZ[S9C.,:FC8(-R+'G_#-,(N"%9: MV/A%U6"=EA<*1I)]II6KN([ISS:?:.L$.A'H3+C/HO'4*-I\8HZ5A=$C,FEK M>Q9.<+.G?B,J9&/1I.F]4>NKYW)SORO(.0A-&!HQQRO,C"!>?6Y!UUI,=+J@ MTW7Z=HV^30ZW5PYOUP7R-8$\">3_&S%ACM>8NW^:D,6>2C!MO#H657I0\:(N MJO/M?*#Q3'[@9=&S%OXRTW)ET4D[?[+Q&!JM'7@3V#WB#+X5WWG8N%$A9D)E7:`'S;[8QX0$?"+PV@7 M,0K>3UI_A.2U/N`L6``!E0L*S"]G>`0A@I!O_#EI?K<,Q&5\47^.TWKW)V;A M48O?O':=-YMA5$/#!N'>]?@"TPBW0;#2PL8OJ@;KM+Q0,)+L*ZU.I4;3YQ!PK"Z-'9-+6]BR?6Y!UUI,=+J@TW7Z=HV^30ZW5P[OUP7R-8$\">3_ M&S%ACE>8^^R?)F2QIQ),&Z^.194>5+RHB^I\.Q]H/)-O>%GTK(6?S+1<6732 MSI]L/(9&:P?>1'9SBU'GW\^<"&A<"'_XV*0KE1*G^\L#F5]I^1=02P,$%``` M``@`4E5E1^^2#GRA`0``L0,``!D```!X;"]W;W)K&UL?5/;;IPP$/T5RQ\0@]GTLF*1LJFJ]J%2E(?VV0L#6/&%VF9)_[Z^`&$C MVA<\,YQSYHPOY:3-B^T!''J50MD3[IT;CH38N@?)[)T>0/D_K3:2.9^:CMC! M`&LB20I"L^P#D8PK7)6Q]F2J4H].<`5/!ME12F;^G$'HZ81SO!2>>=>[4"!5 M259>PR4HR[5"!MH3?LB/YT-`1,!/#I/=Q"AXOVC]$I+OS0EGP0((J%U08'ZY MPB,($81\X]^SYEO+0-S&B_K7.*UW?V$6'K7XQ1O7>[,91@VT;!3N64_?8![A M/@C66MCX1?5HG98+!2/)7M/*55RG]*=8:/L$.A/H2OB41>.I4;3YA3E6E49/ MR*2M'5@XP?Q(_4;4R,:B2=-[H]97KU7^.2_)-0C-&!HQYQO,BB!>?6U!]UK, M=+JATWUZL4E3Q MHFZJZ^U\H/%,WN!5.;`.?C#3<67113M_LO$86JT=>!/9W3U&O7\_:R*@=2'\ MZ&.3KE1*G!Z6![*^TNHO4$L#!!0````(`%)594>8WQ6"HP$``+$#```9```` M>&PO=V]R:W-H965T&<\Z<\:48M7FU'8!#[U(H>\"= M<_V>$%MU()F]T3TH_Z?11C+G4],2VQM@=21)06B6W1+)N,)E$6O/IBSTX`17 M\&R0':1DYN,(0H\'O,&7P@MO.Q<*I"S(S*NY!&6Y5LA`<\#WF_TQ#X@(^,MA MM(L8!>\GK5]#\J<^X"Q8``&5"PK,+V=X`"&"D&_\-FE^M0S$97Q1?XS3>O8OYEA9&#TBD[:V9^$$-WOJ-Z)"-A9-FMX;M;YZ M+C<_\X*<@]"$H1%SO,+,".+5YQ9TK<5$IPLZ7:=OU^C;Y'![Y7"W+I"O">1) M(/_?B`ESO,;&*FY7!S*_TO(34$L#!!0` M```(`%)594>XFKZ&PO=V]R:W-H965T&<,V<\XV+4YMUV``Y]2*'L`7?.]7M";-6!9/9&]Z#\GT8;R9P_FI;8 MW@"K(TD*0K/LCDC&%2Z+&'LV9:$')[B"9X/L("4SGT<0>CS@#;X$7GC;N1`@ M94%F7LTE*,NU0@::`W[<[(]Y0$3`*X?1+O8H>#]I_1X.?^L#SH(%$%"YH,#\ M?-9AC5T+!!N!<]_H&I MA-L@6&EAXQ=5@W5:7B@82?:15J[B.J8_VWRBK1/H1*`S89=%XRE1M/F+.586 M1H_(I*OM6>C@9D_]153(QJ!)U7NCUD?/Y>;AOB#G(#1A:,017)>ZN2TR8XS7FX4<2LKA3"::- MHV-1I0<5!W41G:?SD<:>?,/+HF&PO=V]R:W-H965T.4:MU?\!8E2UPHNY$#YW9J87D1)NE;+#J)9#*D3C#:1SO,2>TBXK[^%L=H]BF``Q*;16(&2[P"(Q9(6/\?]+\LK3$Y?RJ M_MM5:[(_$P6/@KW22K;<," MVY#`U@ML5R4FZQ(]YK3&_)#E[H;);B6P"9JL,3]4LK]ALE\)[((F:\P^;)+= M,,E6`EG09(VY_V:"%U>0@VQ!N;2V$!I-$?&?.LS7/S;Q@4&L[S4SU6,R`N8)U]^P6T MCC34&X'#]W/PR#'MN?B4%8!"7XPV\AA42K6',)1Y!8S()]Y"HW=*+AA1>BDN MH6P%D,*2&`UQ%&U#1NHFR%(;>Q=9RCM%ZP;>!9(=8T3\.P'E_3&(@UO@H[Y4 MR@3"+`TG7E$S:&3-&R2@/`;/\>$46XA%_*ZAE[,Y,LF?.?\TBY_%,8A,#D`A M5T:"Z.$*+T"I4=+.?T?1;T]#G,]OZJ_VN#K],Y'PPNF?NE"5SC8*4`$EZ:CZ MX/T;C&?8&,&<4VF?*.^DXNQ&"1`C7\-8-W;LAYUD/]+\!#P2\$3813;QPL7D2-I@V(XO4Y4ZN@UP]$^#:]&:,1@BSG-,?&$ M"+7Z9(%]%B,=SRW\])6/OAHR7,W=D\0OL/8)K`>!]=P_CMPC#IB3BWEPR,V" MR<81P%X3%[/RFVP73+:.P-IKXF(V?I-DP21Q!+9>$Q?SH":[!9.=([#SFKB8 MO=]DOV"RGPM@?^%=S(/"F]O]T,5LSB3\I;\#/:A][+VI-Q_GJF)_]>]`]^4/ M9\V!@;C8'BA1SKO&MMQ9=.JSS]@VEV]XEK;D`K^(N-2-1&>N=(NR_:3D7('. M(GK27WJE_P33@D*IS#31'MK]=/_)OL/4$L#!!0````(`%)594=? MV7B&I0$``+$#```9````>&PO=V]R:W-H965TX6O@E3>M"P%2Y&3B55R"LEPK M9*`^XH?5X;0)B`AXXS#8V1X%[V>M/\+A;W7$6;```DH7%)A?+O`(0@0AG_C_ MJ/F3,A#G^ZOZ4ZS6NS\S"X]:O//*M=YLAE$%->N%>]7#,XPE;(-@J86-7U3V MUFEYI6`DV6=:N8KKD/YL=R-MF4!'`IT(^RP:3XFBS3_,L2(W>D`F76W'0@=7 M!^HOHD0V!DVJWANU/GHI*-WEY!*$1@R-F-,A2BI%.YRF6Z>LE M^CHY7,^S[]?+`ILE@4T2V-R4>'];8L*<;C'[7TG([$XEF":.CD6E[E4[TT: MJ71PNKL^D.F5%M]02P,$%`````@`4E5E1Z&UL?53=;ILP%'X5BP>HP21=%Q&DIM.T74RJ M>K%=.W``JS:'V29T;S__$$HJMAML'[Z_@VV*"?6KZ0`L>5.R-\>DLW8X4&JJ M#A0W=SA`[]XTJ!6W;JE;:@8-O`XD)2E+TWNJN.B3L@BU9UT6.%HI>GC6Q(Q* M".R)AN:8/&:'T]XC`N"G@,FLYL1G M/R.^^L7W^IBD/@)(J*Q7X&ZXP!-(Z86<\>]9\]W2$]?SJ_K7T*U+?^8&GE#^ M$K7M7-@T(34T?)3V!:=O,+<0$E8H37B2:C06U962$,7?XBCZ,$[QS2Z;:=L$ M-A/80GA(0_!H%&)^X9:7A<:)Z/AI!^YW,#LP]R$J8D)1Q^Y=4..JEY*QSP6] M>*$9PP+FM,9D"X(Z]<6";5G,=+:VV*;G6_0\)LS7[@_WVP*[+8%=%-BM_?/T MML6(.=UB_M'D_C\F^QL!MFERB\D_F-#5QBG0;3B?AE0X]N$VK*K+%7AD8>/? MX64Q\!9^<-V*WI`S6G=\PEXWB!9C<)5T6$AKKIY_<7,=S&Q<6A^LM M7'X%Y5]02P,$%`````@`4E5E1QVAU)*P`0``%@0``!D```!X;"]W;W)K&UL?53=;ILP%'X5BP>H"4G:+")(3:=JNYA4]6*[=N`` M5FT?:IO0O?W\0RA4:#?8/GQ_!]OD`^HWTP)8\B&%,J>DM;8[4FK*%B0S=]B! M(`/C-83"S.?'9+XAO?O&S M.B6ICP`"2NL5F!NN\`1">"%G_#YJ?EIZXGQ^4W\.W;KT%V;@"<4?7MG6A4T3 M4D'->F%?V-1WB@)D>PCCER%<8AO#NE(6R=D(R'[0J#1 M*,3\SBPK8 MS82@3GVRR-8L1GHVMUBG;]?HVYAP.W<_?%L7V*T)[*+`;M'B?MEBQ)R7F/MU MD_U_3/8+@8=5DR7F\,6$SC9.@F["^32DQ%Z%VS"K3E?@,0L;_PDO\HXU$OI MABM#+FC=\0E[72-:<"'2.Y>B=9=T6@BHK9\^N+F.YS8N+':W6SC]"HI_4$L# M!!0````(`%)594<9I#1?SP$``.`$```9````>&PO=V]R:W-H965TCA@K*H6.%4/8H#>[-1"9%F(4;.NAQ>)U,@YE7]/P,1TC)+H%GCM MFE;;`"X+O/`N'8=>=:)'$NIC])0<3KE%.,"O#B:UFB.;^UF(-[OX<3E&L4T! M&%3:*E`S7.$9&+-"QOC/K/EA:8GK^4W]FZO69'^F"IX%^]U==&N2C2-T@9J. M3+^*Z3O,)>RL8"68_DRLQIB_FDR-T= MD]U&@`1-MI@T;+*_8[+?"&1!DRUF%S;)[YCD&X%]T&2+R?\SP:LKR$$VKM,4 MJL38N[Y>19=F?B+N"G_`RV*@#?RDLNEZA9F+GT'^H46P^T]61ZU\A]02P,$%`````@`4E5E1Z8S10!T`P``!`\` M`!D```!X;"]W;W)K&ULC5=1;YLP$/XKB!\0;`,& MJB12`TS;PZ1J#]LS39P$%7`&I.G^_6P,U$8'194*F.\^WW?'^7+;!Z_?FBMC MK?51%E6SLZ]M>WMRG.9X9676;/B-5>+-F==EUHK'^N(TMYIEI\ZH+!R"$'7* M+*_L_;9;>ZGW6WYOB[QB+[75W,LRJ_\=6,$?.QO;P\*O_')MY8*SWSJCW2DO M6=7DO+)J=M[9S_@I)4A".L3OG#T:[=Z2SK]R_B8??IQV-I(^L((=6TF1B]'-/::C?#^S?.KG"_=>L83$O_N2G]BJ\1;9U8N?L7K2_^.,[ MZS7XDO#(BZ;[;QWO3`M&GB]@;=V![\W\"<[.$I[%[DD:[/]MN8/JU;IOF7RJ$/OLC-T6JZQ5HE M1,2N$:OO>^*%6^==$O48TF$..H9&$"31(7A$.,*!T0L">='O0'0OH`UB'1$@ MT((,Q!$ITD+M!'@1*31"A ML*A@X5L.#%$S40D7HA(:!&":#N'*M(`%T:(`3*FP`) MHM-3O)$,Q5(CPT8G\V<.?;S4RK#1RRB8S`,VFAF-P*\M-E`X`ARM"3!9.@D)6A%@HA]'OKO!<(1- M&()CEZPC2^?)E#A'^XE?LOK2#5>-=>3WJI4!TE;'`>Z9R!%ALG[`3S$&UA,Q M\*GQ[)-^O[UE%_8SJR]YU5BOO!6#23=%G#EOF7!;^&E;5S&2C@\%.[?R-I"U MJ88T]=#RVS!SCH/O_C]02P,$%`````@`4E5E1P34L8U4`@``S`<``!D```!X M;"]W;W)K&ULC57;;J,P$/T5Q`<4;`PD%4%J$ZUV M'U:J^K#[[!`GH`*FMA.Z?[^^$&JG#NI+C,V9,V<.SDPQ4O;&:T)$\-&U/=^$ MM1##8Q3QJB8=Y@]T(+U\A9MTY,7%O!SUV'V[YFT=-R$(+P>O#:G6JB#J"RB.>[0=*3G#>T#1HZ;\`D\ M[H"&:,2?AHS<>@Z4^#VE;VKSZ[`)8Z6!M*02B@++Y4*VI&T5D\S\/I%^YE2! M]O.5_8E:!>6A0W-PY-?<`%W?D/`V^[N>9QVD">>7`]F5[Z"2^+`9_(;\Q.3<^#/16R(^OV M>:14$"DD?I"7H9:C==ZTY"C48ZYNB1DV9B/H<)V=\P`O_P-02P,$%`````@` M4E5E1^RAF`D)"@``$4,``!D```!X;"]W;W)K&UL MC9Q)<^,X$H7_BL)WM[`O#ML1+=.(F<-$=/1A^JRRZ25:BUM2E7O^_5`2Y<)3 M9Z9P*9?ECV02(-Y+)`'=?JXW?V[?^GXW^7NY6&WOKMYVNX^;Z73[]-8OY]M? MUA_]:OC+RWJSG.^&7S>OT^W'II\_'PY:+J9&J3!=SM]75_>WA\]^V]S?KK_O M%N^K_K?-9/M]N9QO_C?K%^O/NRM]=?K@]_?7M]W^@^G][?3KN.?W9;_:OJ]7 MDTW_!-^?\*G]6)[^'?R]'V[6R]/AUQ-EO._CS_?5X>?G\>_ M)#4>1A]@Q@/,UP$FBP?8\0#[\P`M'N#&`USK%?QX@&^]0A@/"&<'3(^-=6CJ M;KZ;W]]NUI^3S?$!^9COGT-]$X;.?)IL#Q]NCCTX-/9V^/3'O8GQ=OIC?Z*1 M,0=F5C,A4TA7(_J+F`X!?$5AJ"C&*QB((E&7>$"&#J/A/(\-YRG`)$7?D*5N MR!Z;U<()F!9QU`G<\00.3F`PRGALM2.S.C+9YV0IK&O#2HU9I9W/=-1>B-I# MU&?7\<>H?74=E[6GH*X%*C7D@[)TO$&(-T"\CHPW5%>Y-B&1\;9`!:"L`QUO M%.*-$*\GGXH(_:B"5>13<0D;8T8L:,=$G82H$T0=R%9.=8>32,<@$$86QF2& M,")]@KT9L3>R_V-UBD2V_PB-31:]"F3[7\+&]D)68N$F1/\4-*I\RV0,C M=+R23MJ3#T37AA7`0E2:T4!-VL(I;M#A3%YI-D*C#/C@Z:>G#2N`:66]9F10 MD_)_"AST/VLZ<%OK@:;EIVNBRAEE'1.T9#D:/"<;.NC:)JZYF!N@@E"L/`Y# MEOQ&@^%DTMAFVK!-5D&(U7$NFH\%U\EGKN#%HA#QS'&S$1J# M-:1T/@!D'#ER.H"<(S7A$:'$M(R13,J`265:[$UM*Z2N/EQ&.D"N-7U+S'GP MAB3W,K5[#:D*?4-:ZJ?Q,0:(ZR>`')T]/2+$]I-D;L;`;=$>8<".DHGT[7>- M7#GC@E-8!`&1IC0S];1A<-L0F$X3.`Q)FF.8#"$QS6PE_;:J86386E1#H#NC MXRD,1U)?JQM&A@7U#38&4LXZB<.0).6TIF%DV%KI7%":'AD"A@%)Z;ZU#2/# MUBEZ,NY\^G@*B,"JJ8;F& M>W0D#;-80:'G.#;B4ZHTG2DT<@6Y80KOF'352FIGL8S"Z$*M8EIKID=;J`)4 MX+)T*Z78%FLNC'C4.>^U84)N@`I"@D[DL$:B`CT=;,,*8"9:KA#@)`5V6'"G M)SW.0D"9+D5V;5@!S-G@N+C%,C_67.BYC0,!ULK30Z0-*X#%X8ED\APGJ;G# MP@L]>7%0+-%,:S=`Y0S2W,"6\FF'%15:^AW4Z)GG^C)3D'&9"UCR*H?U&UKP M76P0SQ:H(,2+I^11#C)RMIND#-JA93`F[R4)]RCAM.3Z6G)==LPH\%)N[%%P MZ7;U=<[+M(B7--FC)M/55%^KZ#57+_22AGK44.:=&ZA>[C91LH/K9=2!J@/EW6[>)3 M0[M):9_/EZ6V^-SRQ`9IH`=U62%+4$W7D<9Y@#DP]RHKD(-X?.:#:9&U((W/ M8"_+VBS4XS-[&^EJ1QM6`J9"F@]<2G*"NRR3LX"S3.8=)(4) M_K+JS@+F)9Y>S-!$%:0R,[J#N)PA7%;P6:CU*B<=F*";L`+8D',JRQ29`JE_ MI]$16QPA2,H6TF5'F`68^$9MZ7RI#2N`69^Y.Y>D,F"Z0T]<`KP5BH[.2YNH M`E3R7&DZ2KH;47?I64NL==?HE.@W%VU8`4P/'.-+4=+Q"/D:,VN)&D8K7?'L MFJAR1C%C.DK97\0U$+3J1\C^/%U\;8$*0FPK2SX5&%<1L]DP).)%>,0Z+A)-QQMJ3)-L)I]FTM:=::KVEUSUT351! M2C'=E2393ICOT[Z>H/2IF3IJ$U6`BG678M"2@=>U M0`4AR[6Q9!`9#8+V\PS2;Q/C:FU802Q'P[6TM/8K8Q6*NW5)L3/6@V@_S[7. M.JMI;VRB"E!>&491LJ3:&=-[VM!SK;6&64'?`A6$C&$F-5F2[8RR3=MYAO*U M9W*0)JH`%0U7=\N2_7K3O$W7>\1A.P]M1K<2- M)PH%F-G7IG)3ZW#4V?9`45UQ8R.W7PWV(K)#C*7.`I(W+&*EGA%932^MP'`: MEE]H>1?BV39$9I<9[!S\1^N<=GVRU#&@:;5[?]EO7@]?M+"=/*V_KW;[(5I] M^O5M#K\>OLOA[/.9OGG0Q.>=OGD\?EO`S]/?WW[,7_O_S#>O[ZOMY-MZMULO M[_9?$/"R7N_Z(6SUR]":;_W\^>N71?^RV_]W7_3>'+^PX?C+;OUQ-WX!Q=>W M8-S_'U!+`P04````"`!2565'6VACOFH+```!40``&0```'AL+W=O>; MY>O;U?WM^;,_=O>WV^^']>O;ZH_=;/]]LUGN_O>P6F\_[J[,5?_!GZ_?7@ZG M#^;WM_//XYY?-ZNW_>OV;;9;?;V[^MWZJ.CFQ6J^>#B<;R^.O'ZO%:KT^F3H._=_.ZL]!3P<._^ZM/Y[C/?K_ M9;E?+;;K_[P^'UZ.[E97L^?5U^7W]>'/[<<_5ET0X63P:;O>GW_.GK[O#]M- M?\C5;+/\^_+[]>W\^^/R3:ZZP^@#;'>`_3S@X,4#?'>`UXX0 MN@."=H38'1"U!Z3N@#0Z8'Z9W?.YJ9>'Y?WM;OLQVUVNJ/?EZ<(U-^EX]I]F M^_.'N\LI/YZ=_?'3'_?.A-OYCY.A#F//F(G#I)%FVLCCI)$6$)F.U5&QNLN,.YCQ2!OPE`%_,>#!0$(G MTR6,"^;MC`G9556A8"W`@C=5H-T)@CL!W,DX3KBX$P;CI,H'"M0.03$;QI4H MN!+!E4*Z$HE.&HQSC)D$M0#*UM*N9,&5 M#*X8TI4,,^-S(">P!9@/-CO:G2*L@0+N,/&G6&&9#MU,>R[N`:H!%,PTAB9E=0-IW9(#/9AARKZF?5X@J)"6:@292"[5!E&I M<(E#X@@#)&')@1[,,/V/*;:/"S!D`JH!XYB@`,/0C)%XQB#1D.X^F"&)&#IA M+A!$LU$-(!=)4`,@G[FP),XR2%IDOG@P69$O%H`ZKIM(YS&-K8:WA:&1_->' MA@18:!.6),`N?5D@0,X+*_&6!=YRHQ/INZH:05QQ+Q&2!4)RS*JU4K*VJJK9 M2LG:0K)VCHX609X91\J<%C*G8ZC)DCFJCS:JHI5R@DV::!'$C2,M4@N+U#'U MBI6*05LTT3JI&G25(MH1B#FW3EHQ#A<#U_V1BZ%O_ZPJ6G(Q]%[@8B#S_6,' MZBDLVTSW%HC+P;-128O+825$E^-N6)?\DF]Z?P#$SH^T`AW6+G0][@+,3RI, M[X6X'`S7KCAI13NL.C@3THIVFG;2`3?3/09@+).?G+3HG::==$.>S(ENLQ$4 MF"+<25SJ('V,VYVN3.A`79-G'`5:`"@G4C*I-98:!'FR\'O46&I'/C%KTTN5 M@L=6F9EC+^4]CQTNW>CX8>]:'-T-`.B7.>XJS!&(K/P:',YS0II4F'C(Q4R3 MXX>])ETV3T-J@%P[<@8;!'EF:7J)&SQVM71[X]UT2).0>AK2,!`,1]0ZD5?H MQ>V'E'%-2Y`+`)%V:H",A>X^(AR+.T42/7FD)[JO\4&1L`"4,WFR:XVEAK6$ M84F-M0>*0](+YP)*94'JYCD,,RO=`YN`<-&(Z7@X#03/,R,+M'9IAVA."4O2"DT0`IE MZJ,`57>NZ'PS1M'LK;+5`,H?KWAZFC2VVA$J,4P3R*S<7X.8E9DJ*4@9,&"1 M3U=)`25!N@):((J=Z-:I2F5:-I2#T-:1@( MAB/11]*H1@F:!CJ<(82YQ0^8:UHT0HQE;I(EB8B21C1*83I#`<8R:VC:3L/9 MP9"D=BD!EWGFSG*2!*.D$HR2Q$))(Q@EN$WA$]V&CE"%.\\2$R6-6)3*U!IJ M&0@^,"C5W%DC$^5*,R\C%#(8AQ14J]12,$%4R]M-K<(LIRI%VD MO%DT8E"!A.>9YXX199BG^E6V&D`53\;_J#+5(LI:9DV82A*&SM].UT>F$K?. M5!IMJ$=U#H>*#'XQ@G'3/8)9>M`&887+S:82]^)4&J&H1_U:OV!X@*+OF-9C M6S1SC5"6*S!,)?'&^=O)HJE'236&`E,K,`V'&04E;NJI-.I1C^HK7&:/"*#H M^[,U@FRD[Z,ARO.7HT1DYV\G2Z@>-9'<1C`3:3%)9ZT1K(T"%'?W5"@JL48D M5>G\[71)92IQ]TJE$99Z5%=")A_HIU(0EPJ_,[`2]YU4&GFI1TDB"(<9[9H4 MMW`:C<1D8'^F,$.`DV:(WLO9GWNC$IJ,O`/3:*0F8Z:U)@XS57ZU_(BC MB9($*#/:A,DE,WF_H]%H4`9V(89(/T.+*'ZVHVJV(S/;H^#$G8]&(T89,_U@ MD@)3*S`-AQD%)3*'T4A1!O8AYR.B-F'UD5B-+]:B)=`8HSVW`U=AJ>%NCX,3^#+=_>JY3I/=_ M]GD,-X"RG$KO`/WT!&F,RO;5:[;^<7Z^UG3]OO M;X=3"AI\^OGVOM_MZ>5MH\\?S,W"$)_7YJ:YO)KOI_G[V_?EM]6_EKMOKV_[ MV9?MX;#=W)W>[_9UNSVLCFY7OQW/S_Q]02P,$%`````@`4E5E1W&ULC9S9;B,W%H9?1?`#1.).&K:!M*J(Y&*` M(!X_6OW.@S[R3_K MU69W?_.ZW[_=3J>[Q]=AO=C],KX-F\-?GL?M>K$__+I]F>[>ML/BZ;30>C6U MLUFFS/[8/=^/[?K7<#']L)[OW]7JQ_??;L!H_[F_,S?6#/YG^9G8,,:R&Q_VQC<7AQX]A/JQ6QZ8.J_[[TNK/E1X7;/]_;;V>ZCWD M_[[8#?-Q];_ET_[U$'=V,WD:GA?OJ_V?X\=OPZ6(<&SP<5SM3O].'M]W^W%] M7>1FLE[\<_ZYW)Q^?IS_DNQE,7P!>UG`?B[PN1Y\`7=9P/U MM^"ALW>'3W\\.!_NIC^.#5T8>V*^M4PL&-*UB/DDIH<`GRDLEN*R!MLL;K$5 MS%LBS=`,8B.]W$@%C62\$H=5XL[]Z4!_1KP!CS7@SPUXT$""(=.YN\[,YMS; MLQPL1G4JJ@+*V!CPR(&)'$#D#%<3SI%#LYJ8O<&@3@/5%LK6%3QO9/)&D+>@ M>6/;+6Z&0IT&JBT4LL/C)B9N:N.&&1HWM9UB<*C30!5`V5H\;V;R9I`7W8C? M%&F M70]>4XO@VPD@Z%'=$ZW`AVZ#10!9`IQ-='PRG':)QC6EE8=%?O%$P%C*'.SYQUC$8[IH"^ M0S?V'$"F$$6!EAQQ0@/0C/H2SVG':K1C@5+0H@""MM(!!-VM>H`0PK&<<*Q& M.%:TR5Q&.H`$O!R%<"PG'`N%0YP8+"<GAT"J8"YO`% MGAQW7]IB'",XQSC M-(YQ8+2!UB0CG1,UU!,(+(=SC-,XQLF.D9%.1GH"@>5PCG'0,81U'3N!IG*, MXQSC-(YQK1M2B:AU.Q55`96]H_8$3C1.(QK7*B(X@P_%5%2%5)I1DYV<<)Q& M.*X51<%'-@JF`L8W(TR8ES..TQC'M:8(WN#?0%54!50TU'G<<=IQ&NVX5A>. MV"]DI@(F47$Y[3B-=EP!O4>(!U`Q?9VROY8%VDH6'PX`*D5#32@@XISF.0%Y MW24<]AJ.1D`>#$Z(?5L#50!1O<:YQVOEDI"<06`ZGDPAT MXHG9T,CI)*IT$CF=1(U.HJP3&:D$`K-R.HD:G419)S)2"01F96\R4]UE)NM$ M1BJ!P*R<3J)&)U'6B8Q4`H%9.9U$C4ZBK!,9J00"LW(ZB1J=1%DG`#%$/;)/ M8#/4G8B<4))&*$D6BHQT,M(3""R'$TK2""7)0I&13D9Z`H'E<$))0"C4%>3$ M"26IA)(XH22-4!*\$33M)()X&[O/SAUU^^M)6I&\LY_62- M?C*8V$*/OKF"Z0`3T?VKAPRQM3*GH*Q14);O:LZR@@!"U*-04.84E*&"J![A M%)15"LJ<@K)&01D^^8+OVQJH9L6X)G/VR1K[Y*#)JX`J@*B\G'BR1CQ9'MO( M2"40F)5S3M8X)R=-WRJ@FA7CF\P^/:-Z?$8>W\A()1"8E5--UJ@FMR=^_"O< M/,OS99D8O(#3EV+"K'""*1K!%/GZ2Y''-W(K/=$*+(>32]'(I,).12B`P*R>6HA%+D2?,9*02",S* M2:5HI%)DJEDI">0+\]A\@]BZI[$E&?,%$RG8'J*^5(4^R#FC-5*NA;%&"%= MBQ*93L'T%',N:MJ\$6$];%].+Z_831[']\W^*(;FT\\W9/QZ>HW$E\^_F=NY M03[OS&U_?OW%S^8?[MX6+\-_%MN7Y68W^3[N]^/Z]-*%YW'<#X?0LU\.6^1U M6#Q]_K(:GO?'_QZGAK;GEV"7EWI\OEGDX?]02P,$%`````@`4E5E M1YA#W4U,"0``$D$``!D```!X;"]W;W)K&ULC9S= M;B.Y$85?1=`#K%C\Y\`VL.,@2"X"+/8BN=;8;5M82>U(\GCS]FG]=`^KAW6V M]F)MR]5D\5BG^8DZFKO/_O#'\:WK3HL_=]O]\7[Y=CJ]?UFMCD]OW6Y]_*5_ M[_;#;U[ZPVY]&GX\O*Z.[X=N_7RY:+==66/B:K?>[);^DY?C`[YO7M]/Y@=7#W6JZ[GFSZ_;'3;]?'+J7 M^^6O].618CG77$K^O>D^C]7WBW/WW_K^C_,/_WR^7YIS$]VV>SJ=QU@/7[YW MC]UV>QYJF/J_MU%_3'J^L/Y^'/WOE_4._7];'[O'?ON?S?/I;6C7+!?/W['!?ZRTFMGEW7];7U:/]P=^L_%X?K7>%^?_^CTQ0W* M/2V.EPP;5F<-=%.+8(UQ[`MP;PUP%\/8!)O,ET7<:U9G]5(<<4G#&F5?G( M*HLK+M25K*D`F@IU4[:T!XA`ELAD\>T!$N@@L0$"7^RUYBNOB>U),I@DLP': MVN=:47/YKSU1`1,5-E'F$X7K1$4[T?D.(#<(=AIKF'<7) M*G&0+:EHQ.'&I%!$<>K*Z/A=FN]9R,*663@$88BF-6_:6-)H8YO6'+NP"FUN M13=M*+LB^HJ76IM#EN5!AK?,\$&X[=NF-4=YO$H>M$/:H)$G5&L.)6=9G;HR MVHLVDCC([I;9W4O(U+3F*$Y2B8/V59LUXM0[:_;I9Z89M>&%)69%>Q2I]$%$#UX4 MIZY,)9%L*X>\[IC7DS1$TYFC.$4CCD=[IC<*<7R-O0,;>P[9M3J\U/KBK"B/ M1W[WS.]),)9'D.Q5D.S1GNDUD.P9^69R1L1`7AJ+RS+K>/CJESD^66$(!,E> M![9I>`\F>0;)U5E:GKAQNWDF^[WCD>,\10DZ^/WHF[.:\T$;@J(+L'9OF->3\/(A($(.*D(.:-<, M&D(.#'S19LXJ\68>D-<#\WH2CG0B8N2H8N2(]LRH8>18DV\&=V-62,EG>2>/ MR.N1>3T)YSD1(7)4(7)$&V;4('*LP=?E*&(.*\S%RR_)(W)Z9$Y/TGDQ/#!6 M`7)$VV74`'*LL=&'QLC3(Z)$9/4M#(#R.*CQ.:+=,&CQ.'(\E85B9 ML)Z$[)V8O;.`Q`DA<5(A<4)[9-(@<:HYUV?11[S.D[QO)V3NQ,R=!1I.B(:3 MBH83VB&3AH93S;B1WSB8,G5=LO*^E."[0D(>%4FO9@ MFK1+^-M6R,Z9V3D+$L1_&85_&:T(68-_&9V[)N=S'>\,LU(D+>%C)V9L;,` MOQG!;U;!;T9;8M;`;V;P:X/\KM2L,I*\'67D["/(W(69 M.PNT6Q#M%A7M%K0A%@WMEAIBP\49@BAUH75!/I8IR-J%63L+M%L0[185[1:T M)18-[98:8HG$0YE9'7CY6)"O"_-UD89`L%M4L#N\]H<9"`WNCE7(1E+-K!F8 MDC#,TD7`73(P)V%T00D#DQ)&%94P[&PWB6<.O%#4!D8D#/-W$8"7#`Q)&%U* MPL"8A%'E)`P[`P;21(TT,"!AF+^+N"H8D3"ZC(2!(0FC2DF8O^9>J686.8+6 MYOFF(J`OM8-+HRRD@E]J1Y>F3C3X.U9!682:63/0VCP%503HI79@:9)%A;W4 MCBQ-G6C`=ZRZW63D+9L7BMI`:_,(5!&8E]IYI4D;%?52.[$T=:+AWK$*/V7: M-;-FH*UY^*F(\3U$O&15R$OML-+8B=5`[U@%91%J9LU`6_/<4Y%B>^V(TB2+ M"GVI'5*:.M'`[UB%96G7S)J!MN9YIR(%]MKAI$D6%?92.YXT=:(!W[$*R]*N MF34#'9V">86:63/0T2SEY(W$O.U(TBB+ M4X:#<3I8%P]NHRR718.[,-Y$+-_DC82[[3#2)(L.=]MQI*D3%>ZZ-L9R632H M"X--Q))-WH@K@JCK=*C;#B)-G:A0URE05ZB9Q<>AHUFFR1L)==OQHU$6KT/= M=@!IZD2%NEZ!ND+-K!GH:)9E\D9"W7;L:))%A[KMX-'4B0IU?4VP`WY:D*[G MM=$0.,TD&&DBEFGR1J+>=@!IDDE'O>T(TM2)BGH].\;-P1?QQ'=66VPR\AO7 M!,--Q-)-WD@4W,XB31_3T%%P.XTT=A)4%!Q8FH'2,)LH$Z^U5"*0">: MF0O8VF`$BE@&RI.$T>W(TJ20#J/;H:6I$]VGZU@>.,DV8X4V`Y?!(!2Q))0G M<6T0J*,.J-O1I:D3"-1I%*B&Y?#S$RB-^K"Z1LAF57T"?=<=7B^?S#\NGOJ/ M_7`=+:M'IX___VHOGV#_4?YP][Y^[?ZU/KQN]L?%M_YTZG?GBQO;[N/M\_[_?N'N[O=X_-J MO=S]LGE?O1T^^;+9KI?[PZ_;KW>[]^UJ^70Z:/UZ%X:AW*V7+V^W#_>GO_VV M?;C??-N_OKRM?MO>[+ZMU\OM_SZM7C<_/M[*[?2'WU^^/N^/?[A[N+^;CWMZ M6:_>=B^;MYOMZLO'VU_EPT+&<,2<(/]^6?W8=?^_.4;_>;/YX_C+/Y\^W@[' M(%:OJ\?]\1S+PX_OJ\7J]?5XJL.E_WLYZU\7/1[8_W\Z^]]/XSW$_WFY6RTV MK_]Y>=H_'\(=;F^>5E^6WU[WOV]^_&-U&40^GO!Q\[H[_7OS^&VWWZRG0VYO MULL_SS]?WDX_?YP_:1(1!9/T$23M!.I\@P0D* M!EG/PSACWDZ8%DK30(L>E"63;&4CE`RA5+Q*/H>2^ZO45)-HL`7`4AMSTL,I M1CBE"R>2<$I_G1:'853#`5A.,I`;58UP*F2GJ>'4[CKE^CY=8NDQ+18]D&9, MN0:!C/H)1F,D8W^",*@C&2%C8U*'TH-"2%$/Y61A62QG@#M M!9V!!7FOE%$MFP7B4LT#FX86\PE07V!31V6K:>I4#TN(RC-3%$`TX8J`TR4Q M/2A&HCIBT9$@'Y%[&%06N8PV`(LP&0Y6Z0=L1_1I$/JBEI9TAD=4JB3YP2K] M$#SW+UBE'Z*#YT-?U(S+`)38#5+K?AI.\C!9L.HT9`>3A;[^)`DM%Z*FMZQ`:AUTH?!J(4\C6?TS-EHM0-Q M<,S9V"M]&'2U`I`T21O5,I[&$QR3]@*ZE%=5.]T%@$IBX[$( M(0(AQ(&:9NL2D[!,6U37Z1R:!#4G"`JL#N4K%I.N/"@/QVG".'4(/JL0UR0$EF& MS)6,GAO8`WM*F*$XZD]SB`N'XB9M1[*X)B'7Z`_MJ6>1.$0]'J`:5I?)8IKD M8IID,4U"IM&?3U//(96T0``JE=6EU7LDX!G61"6K8TBCIRZSQ0YY<-1E[IN! MV'2J0I"0^9:MAX@,/!-)$Y6MQC\'5THL;LC1DQ*H^:C/>@`%UC%DBQ4R=`R1 M<%U6JWA*27:EQ.K6<_&DI%\F+(6D!$"5!6-5<>ZKF"Y494OC@L!GW9#$&,I(JUZU&085B"+5XHN"*@2UGINX!" ML@N=0F;#L=J$`@03V5Z%)>ZE>`JR6+10JJ,@"SQ&Z.OE"P"EQ%)BB7M!<6?C ML<2]N,2]6K10/>)>83E`SPA@V%I\M0BAHK03TJZ6M%>7M%=+VJM'VBM(>R;; M4+CF3RBI6B5'/E9S"DO;JDO9J27OU2'OM53OEJ@L9H*32I)C;A%C%NG#4 MOD!EC&'0N0UQ#20/0[)JN<(:/0NI04BU5A(2XH8QL9"LYJ,B-Y#=5%A@(+>L MQT0A=ZQ9FP<-28:00[/(H7GV#9L`*Y.=1*ADM(IXQ"+6M6.$(LXCV1<%6$B%S;G1JN2QKV0F M9B,LZ17)^I,0P*R`K/YC1%[0I6PLZGV`8'0(!F)M)XZN+?_1XH01MPYT'1O; MS\>B0S`0TZ($S)+(*62P=/WTZ<\K40;3$328OH#9H-2K-N$G!-$A6<)^^K3+ M"[-;#):TGS[UY,4T\@P>=9]04T=-3#.`HHDQ33P#"#Q[Y)7!4OC3IY[$6!I_ M^M21F/K3(F*8JV!,"\\`K7]F-J#!4OG3IXZTV#X_\0B]@(F/I(5@KH*Q;7Y8 MU+J("%CX#M6;F=,/#8&9^?1TK]\<4U_:3-@FU,]C"LZ83/,@N@>)MHGH30;& MXVA$1+<.3M,0O8/4TF:;_:[J?M8U^XG(1B6WU M$X^/:$+9:7%(O]A^0#0$)K(<*Z8C4'R60#$]@6*;`J>T!%W7(2T$T^+1?-_/-D;BT/^BJCFGQ*+]I"Q3P!4;:$NEFOCDM/N77[7QS M)"[E#[VJ$V,]@H1MO(KI#90KAH.60:ISI.90KTR'1.#`49GWA M3:ZLB2P<^PT$H)Q$$V.*O\]X**;S4%S60P%7(5FE19#P&V7J/WH/>7I-_8\^ M_=#CRT,C;GC$I4(=?Z);_N:@/"\Q3JAY4Y]X(A&7:F(O>8II(A1T M$3+%2[A'2:H=495FR3(S"3H)*9GJ5L)Y5.A9)JJ7^IY!ADAT#V"5WGS3F2AH M34QL6+JC<,H-6@IIN>J>PCD2CWEY0DW3D*QB(FI@#ZVF0U'0HLB,^Z(["^?4 M^'H"W5LX1^+J"3)L*+!W_V`[@6T>B6E4%'0JT@K7#89S9GP]@6XQG"-Q]02Y ME_M*-EH0E9C=6$S#HH!C,1:6&MUH.*6F^-H"TQPHQ=46@.]/1E)/Q;,R8%H# MY[CN<1X3O(1+9*S_??V28JV#,S@(MC,R+*;KS<$Z+R]LL MNO=PCL3C;IY0-JT#B.7%M#$*^ACI8KQN0)S?Z/9U`KH%<8[$U0E4H`#R:A>B M:&),DD`_(_N6$-%MB'-B?'V`;D2<(W'U`=6Q,4`P5\&810V>QD@W!G0CXIP6 M7Q-@6@>ENIJ`ZM@8()BK8,RBOG(-$DD!2V"K_:S"@*#''ZNPYT[=/3@%!?9! MJG-M\`4%.#,HLT%!0R+3N>;8N""8JV#,;S%!.R+_+@J3*="0R'2N.;8B">8J M&+.-0&LC>R55=$OBG);LJD_=E#A'XG$_3R@[+1[Y-^V-@OY&^@T\NBUQ3HM/ M_G5CXAR)2_Z;KNR8%H_ZFQ9'08\C\\F+;DRHP-OS M%^>=?]EOWC]>O@AP_C;"A_\#4$L#!!0````(`%)594=ZH&8!/00``*@7```9 M````>&PO=V]R:W-H965TJO[97*5L MG5]E434OJVO;WM:NVQROLLR:3^HFJ^[)6=5EUG:W]<5M;K7,3D-06;C,\T*W MS/)JM=T,;5_K[4;=VR*OY-?::>YEF=6_7V6A'B\K?S4W?,LOU[9O<+<;]QEW MRDM9-;FJG%J>7U:?_?5!1#UD0'S/Y:/1_CL]^3>E?O8W7TXO*Z_G(`MY;/L4 M67=YESM9%'VFKN?_IJ0???:!^O\Y^V$8;D?_+6OD3A4_\E-[[=AZ*^.]:54YAZR<,OLU7O-JN#[&)[$WA>$!;`I@SP"6 MD`%\"N"V`6(*$+8!P100V`:$4T#X$3`6?RS64.I]UF;;3:T>3CVNCUO6+T-_ M'7:3>72:H;$>9[`K=M.UOF]%$&_<]S[1A&$#YE7'A`D&V>L0_XEP.P)/%@QC M,?7```NTBQW`A!Y*PR)/:I'GH&-8[.$#XMB`^%A6KM8`4&9X@I`8DH+R%67D+ MH[R%V7@+P[T%]D(9![,Q#F8V#M@3Y0K,QA68V15@3Y3D&92\,*2@),^L),\H MR3,;R3-<\K`72L_,1L_,K&?8$Z539J-39M8IW*%3^N.Z_GA@>+=S2G\]'']QZ[O>97XJU_?^RY#]LN0%$"H M[2^G+(5#2S%L@#GU:<0#&Z%SZN.(A\M"3SG^:0-[H>R$1\M"3SG^W0%[H>R$ MQ\LB3WELT0ME)1Q:28BG$*A'3/,F/)MY$ZA'S!_ROL6\32!RPR4H&Q',8MX$ M4#>Q;Q&4Q`6WF#S!;;LB#T&@\DS'*)3R!%2>0;R"4IZ`R@M1BQ:Z\K@7_+5W MG$R8PD%*E$P%E&F,VJP`;WT6A,83(@HXDG*U4\52UI?A`+AQCNI>M7VMM=;G M(?-GUI]*_M'^ZJ]W/M*^]]?I>(KYD7Z[N647^6]67_*J<=Y4VZIR.+@\*]7* MCKGWJ:OJ56:GYTTASVW_-^K+/1XDCS>MNLWGXL_#^>W_4$L#!!0````(`%)5 M94?/+#N$L0$``!P$```9````>&PO=V]R:W-H965T[#2E4?VF<'AH!J8VH[H?OW]8509Q?U!7O& MYYPYXPO%)-6;[@`,^A!\T'O<&3/N"-%U!X+I&SG"8%=:J00S-E1'HD<%K/$D MP4E*Z1T1K!]P6?C3*\'^!)(7T2@JF_#\#EM,<)OB2>^V-G7(*4!5EX M32]@T+T8DRZAJBN M$-L%0JR!Q46ZYB(++M*(GVSIND"V)I`'@2QN(Q+PF$UH(V"&4&1#MY2NXJIK MW%T2XZX,Y=\8RJ\,):N&\KC0?T5(=)`C.\(?IH[]H-%!&GLG_`&V4AJP2O3F M%J/./M4EX-`:-]W8N0JW-P1&CI>WN/P0RD]02P,$%`````@`4E5E1]H<+$SV M`@```PX``!D```!X;"]W;W)K&ULC5?;CML@%/P5 MRQ]0<_%UE43JIJK:ATJK?6B?V80DUMHF-62S_?N",:GI`N'%%SQG/`P>P*LK M&U_YB5*1O/?=P-?I28CS0Y;QW8GVA']B9SK()PV^-)J(9LL\IN M=?NVIP-OV9",]+!./\.'+9X@$^)G2Z]\<9TH\2^,O:J;[_MU"I0&VM&=4!1$ MGM[HEG:=8I)O_CV3_GNG*EQ>&_:O4W>E_!?"Z99UO]J].$FU($WV]$`NG7AF MUV]T[D.A"'>LX],QV5VX8+TI29.>O.MS.TSGJWY2@[G,78#F`G0K@'FP`,\% M^+^"3"N;^O6%"+)9C>R:C'HPSD2-.7S`TKE=PJ?&4=LE>\9EZ]LFK]$J>U-$ M,P9-F,SP,Z9P*CRIX**@]%*,8P*L?;,*-`91F-*'66*,XY&11-C2G/?E";6%!3*-K*RW?@HG$$TBR&,,04Y@VA4 MH`A39E#(%`_$%A**,[+BW$`/A3-[QHX\RH[0TH>*&#N*^W:X(;:04(*1E>`& M>2B&ULC5E-<^(X M$/TK%/=@JR7Y(T6H&FQ2NX>MFIK#[MD!)U"#,6L[8>;?CS]DHG:Z!3D$;)Y: M_5K2>[*UO)35SWJ?Y\WL5W$\U4_S?=.<'SVOWN[S(JL7Y3D_M;^\EE61->UE M]>;5YRK/=GVCXNB![P=>D1U.\]6RO_>]6BW+]^9X..7?JUG]7A19]7N='\O+ MTUS,QQL_#F_[IKOAK9;>M=WN4.2G^E">9E7^^C3_)AZ?50_I$?\>\DMM?9]U MR;^4Y<_NXN_=T]SO>Y,=C%ZGM^7\3]+//KJ']?8S^W--M MTW_)ZCPIC_\==LV^S=:?SW;Y:_9^;'Z4E[]RPT%W`;?EL>[_S[;O=5,68Y/Y MK,A^#9^'4_]Y&7Z)?-.,;@"F`5P;7/NA&TC30'XV4,X&RC10UP;@[D&;!OK> M'@+3()@T\(9B]:5.LR9;+:OR,JN&^7'.NFDH'H-V,+>SNK]9#2/8%KMN[WZL M5*R6WD<7R&"@QZQM3!!3D-2&B"O":Q.X9@%4%J8'L)H#U4%B(T*?S.%FD,WM M(,\H2$0SD103.=13HGIJ.H"B`J@A@$(!`IQD.)1KP)R&`?';/PJ5V"BM&51J MHT!PL`V"^<*&(6K:04TC:B$=('`4-T`!F-$)'1F$*,!D*NNAN*%=MB_E&$") M#5(,*+5!(F10&X32;&$C!ZW(HJ6Y`+&CL/$]L[;3:3:%[D0B;B;`V#&2I$:/-"6BJ6B: MTA995@@03'"9IQBF^'&T<3+B^;DL1"C$3]/\;IC(R,^&/?#\%"H#SP^%<\U3 MEY$(C0@&=$IZHM%L5Z3EC%T%J"O&M`1I.D9<17B7NKH$7F"%C^@1C?!4Y$7E M)G`P_6<,%+%C/I+N,F8?H^QIVS4@,_.Y?4B"89R^I@@F_(#;UF"<4"Q!<)D? M(/,37`C27@.X)HG9.H(MH;'^ZIEF6W@G[AGC@I@OH$N1P59D MT,S.#DC1&PN(1$]P#R$N60$D*X)V>-!H9G'"F;IP."67_`"2'T$[L@&-4AX$ M9.:I`X835)<22%595[9I(N=9-8W<@:KZ6]QWX0 MDA3Y!*/HT;HKTH:+A&FY]O,2[>?I";:6XN98W8:D"/(@E6(X89B.)$/+Y0(2 MN8"@S5;:JAU$(3-:@%<70^Z>6!L^%J;F?+>"]NW`A7!MC25R"9@H062J@]Z< M^(M`4K`$P52T@(B"I5.8UA1L@V&P\!G]D2X'D\C!@'8PJ6_/:0;Q$'@_DE%_+:++.R.68(%BW MSF)ZG=T5;>.(ANFY?%XBGP?Z+:VTO5=Q#UD)AK$;<@03$'-/-!CG>*&H7)ZO MD.=#2!)4M@>W6Q#V%;,#AU-R^;5"?CT56V6ZPJ#IV'K6X4B15V_].58]VY;O MIZ:S&>ON]:SL&W2'*Y/[:_&8".)^*AXWPTG89_C5\IR]Y?]DU=OA5,]>RJ8I MB_[\Y;4LF[S-VE^T2WB?9[OKQ3%_;;JO8;>VA_.PX:(IS^/QWO6,YB!P[)`0``*@4```9````>&PO=V]R:W-H965T5YVQH9)%JE)9)&O&EB\50#Z`QSEO M?[@(1DU:LC:V$5^W^F^);JS-0]2_FPOGK?.G+*KF975IV]O:=9O#A9=Y\UG< M>-7=.8FZS-ONLCZ[S:WF^7$P*@N7>E[HEOFU6FTWP]CW>KL1][:X5OQ[[33W MLLSK_UYY(1XO*[*:!GYV'W"W&W>V.UY+7C5743DU/[VL_B'KC/H],A`_ MK_S1*+^=/O@W(7[W%U^/+RNOCX$7_-#V+O+NZYWO>%'TGKJ9_Y5./^;L#=7? MD_=LD-N%_Y8W?">*7]=C>^FB]5;.D9_R>]'^$(\O7&H(>H<'433#IW.X-ZTH M)Y.54^9_QN]K-7P_QCNQ)\UP`RH-Z&P0,:,!DP9L-I@#PPU\:>!_&/A&@T`: M!+8SA-(@7,S@CLD:4KW/VWR[J<7#J8!Z<9!NMQ!;MD-]WH M^S9@WL9][QU)A@[,3F7"!$-2%2$SX78!S%%0+`HY`U7,*3;!7B4B-,STJ9-, MXP2$R;`PV9@L!I*ET>EC#OS1@0\<+(*,QER,3#6F,B(8LP<,\3P,2E4H"B., MR53F$Z$TP#4%!DT!T,3@-,&H*5!#H11C]BH3A#[&I"I#@QAC,I5A'M,H"@V* M0J`(C607JHD+"*H(,`2'4@C%:/XR`-$DPC5%!DT1T!2@FB)EEG"Y\Z0FE?$) M&FVJ,A$Z5:8B-&(Q+B@V"(J!H!`5%"NSQ#Z^[52F6R-@'1U#T#ZPD?0!C>)9Z;2 M-XEG-N*9NA0Q6@7V$"(AND-22-$8S5$&*::D&\HWM6?BFZKD)-^WD:\VUI!% MN'P5\CW-VH,63=%"EP&(1KKB0TQ]G`2FBCJ)#VS$PQ:\?/68U(-F'GKH%DFM M?&5Z7U"_J>L3V/83C0NTR4[E-[(JOZ:V1F*;\AO;K$(,-@X-$GP9`-:]3&H* M,/3&=!MQX8WHNIBI#Y+$I@0G-CE(E'`T_>:"FUPU*+$HNM7G=H,1"-WFNF]CH)C:Z M3:\9E%I46VI\S9#_%RF%SSD-,&P/,>(EZ+_/U,Y;9O`&<_#WV\:@_J-9_VUB MZM#4V'RGM`'(7SZ.KG)"4O+Z/!QF-Z7]"X*, MIV2=8>.=['5*&7*G"[F[,Y[B?(2TW=SR,_^6U^=KU3AOHFU%.1S:?4 M^]SMQPO/C_-%P4]M_S/J-^IXD#9>M.(VG0O.AY/;_P%02P,$%`````@`4E5E M1U$9J#S&`P``6Q$``!D```!X;"]W;W)K&ULC5A+ MCYLP$/XK*/<6;&,#4392-P&UATI5#^V939P$%7`*9-/^^YI7UL,.+I<`YIO' M-^.9P=G<5?6KODC9.'^*O*R?5I>FN:Y=MSY<9)'6']55EOK-255%VNC'ZNS6 MUTJFQTZHR%WJ><(MTJQ<;3?=VK=JNU&W)L]*^:URZEM1I-7?9YFK^].*K,:% M[]GYTK0+[G;C/N2.62'+.E.E4\G3T^H362>4MI`.\2.3]]JX=UKG7Y3ZU3Y\ M.3ZMO-8'F55[F2>MYJTY=^#TC>;K:!Y/VI/.KK:_9>TECN5_\R. MS45[ZZVL[*[W_DWH M#6*X`!T$Z$,@X%8!-@BPAP"Q"_B#@/\FX%L%^"#`EUH0@X"86'#[8'6AWJ=- MNMU4ZNY4_?ZXINTV)&NADWEPZFZQZC.H@UWKU=`Q`6Q)!R:VD4)\6P\>N?M+N)OCX(.12L`=@,(9[@!$ M?+ST)RBC04#VM@%$^)+*XTO8FW,C1)O^'F"(P+LY`-$0#6,"0(S.[7G;D"(" ME,W,F"/H/!@K+UA4>;;N2\(EVR]_'7<>:/(3?BZ#C;0P7M45B#!><@=-6 MZ!J'ND)6Y^[\73L'=2N;-K7&ZN.,_]P=\2?K.[+>$V0])NL$6]>TUS'%WFB7 M]9O.AOOFTG9S3<_R:UJ=L[)V7E2CCZ_=6?.D5",U4^^CWH@7F1X?#[D\->UM MT.[0_NS?/S3J.OZ5\?@_9?L/4$L#!!0````(`%)594>@*QY-0`0``-,8```9 M````>&PO=V]R:W-H965T_'VX.NI9J=&+;?!1]VG)YZB1]W?3?N^N M6O?1C[IJNN?=M>]O3W'NB'R[;M[B[M;HX3X/J*H8D M47%=E,WNL)_N?6T/>_/>5V6CO[91]U[71?OOBZ[,_7G'=NN-;^7;M1]OQ(=] M_!AW+FO==*5IHE9?GG>_L*>CG"`3XJ]2WSOKIW('^:]'IHZG^+L_]=6";[**S MOA3O5?_-W'_72PUR#'@R53>]1J?WKC?U.F07U<6/^;ULIO?[_$V6+,/<`V`9 M`(\!3)`#^#*`?QH0S\RFNGXM^N*P;\T]:N?%N!7CFK,G/LS<*>JFF^T\74-E MW7#WXR!%NH\_QD`+!B;,BXT!%^*($-D#$@\$'BS`Q8+/+`"Q\`3@K@!B#L!1 M@!R33.._E@6)[ZY,ZD@__%. ML=.`%M$R'J):1AD'$P&Z74!SN8E[1MP03,1I0"L1&:#8!41GH5R*J0#%,K5= MKAN"B5#^Q-(`L;)TFX@;@HE0%L:R$)EFVT3<$$R$0)E$@`!\EQ`F_LJQA$;*U!=#_``H8+=TOCW5J"L"42` M5L'V'?_VBF#4_@J41X$,$"W8'N7?8C',O\<"96>@`L0+ME?Y]U@,\^^Q0-D: MI`$BAFU;\T`P$""9"61>7 M`<+D[O8*$0GHP#AE61Q9EO*IRFDRBS`Y,AGODSME#QS9P^=G]W4Z[)8FS=V_ MYR-"92D(#QVJ]^'(:I3')U!7(\!MXQB5YK[#!,JV!+(MQ3TAJ-Y'L)`U$I2; M"`A8(['M)AX()D*YB>`!JR.VW<0#P43(4Q[D)LKS2Q/4.8^00>M"*5BHD'79 M?H;R0#`1JMD0:&PO=V]R:W-H965TU%I:H7[36;.`DJX!3(IGW[=>?-B>_O30F/XR-JM*701#Y55[4F]UVO/:MV6WMM2N+VGQKO/9:57GS]]64 M]O:\$9OEPO?B=.Z&"_YNZ]_;'8K*U&UA:Z\QQ^?-BWC*0C4@(_&C,+=V=>P- MXM^L_36#>ENWXU]M?V\Y62Y.-5^5_ MIL^B'C]OTS=),#?#&\BY@;PWD`G;0,T-U$,#?U(VCNMCWN6[;6-O7C/=C$L^ MW'/QI/J9VWOM>+&9IJL?6=M??=^%4;3UWX=",R-'YG7-"(S(UH2,PCOC]PKN M,B0F8^Y"K@N@70`BP7M06`]Z&J@"`XWQ`AHKH*8"&A0@%(2,@A",((2CC*=Y MF)AZ8H((8S+`J``7$C%"(C"2%'8R,:^`B0.,R2@&"(D9(3$H(/`""7-/$I=[ MDC(*4J!`HE,!&85.!<4`(4.JD$J&+U!L*T*7*8%0C$\)A"@QG'4%]%Q*E$!-MTQ) M[#0EJ.T6%8E#E,W0E%-QK!,TS`"5Z)1:]YR)1>H0:!!*\$0C(?A#QOE8`A\G M1*A)SL?2R<>2\[$$[DOP10LA(ME("(KA?"R!CQ.TG]<'2.-B($1M--!$6,2` M1$@B7`R$<#N3$!3#98L$B9!0=QI-A&6Q1$Z+A?L9EK'+8H$0:K*,A*`8+EMD MXK)8`)3B9B8A*(9+%IFZ+!8`I0(70T%P`\LEBP+)DDJB!).[Y/_X;GO)3^9KWIR*NO7>;-?9:GQ]?+2V,[V* MX$.?+&>3'^XGI3EVPV'<'S?3N_/II+.7Y5\!]_]'[/X!4$L#!!0````(`%)5 M94?;N^^J0@8``$(F```9````>&PO=V]R:W-H965T5JMZ_U:<\OI+>2G.[2\O M977*F_9C];JJ+U61/_>-3L>53A*W.N6'\W*S[K_[5FW6Y7MS/)R+;]6B?C^= M\NJ_;7$LKX]+M9R^^'YX?6NZ+U:;]>K6[OEP*L[UH3POJN+EP\=))> M\?>AN-;!^T5G_JDL?W0?_GQ^7":=A^)8[)NNB[Q]^2AVQ?'8]=2._._8Z>>8 M75WLRN,_A^?FK76;+!?/Q4O^?FR^E]<_BG$.O<-]>:S[ MOXO]>]V4IZG)AU^29.Q&=U`CPWTK<%M'+J!&1N8SP:VG^G@ MK)_7;WF3;]95>5U4P\VXY-T]5P^FO7+[1=U_60V7JYU9W7[[L7$)K%C M1O>:;:A1-\6J[?TVA*:&&)OKH+FF!M@A14J/8*@1S#`)@R;AZ`XLU8$=.K!! M!\9BCWZ8Q2`Y#Y)V*YB$DNVPS"G+N`%A.H"FX^D.G#`=ASI(L=%!LPTUQC"W MU0N#>#1(1@[B8P9)A4'2:`GV0>[KR8<6=LWD0X<3]N!I M*TCE,LX-R8#)30@!`[0;$XZC;4J["54V8_:?DGBB$%!41KNQ\_>(EF`C)$HF M(R%++#G(=M0,@^C$>W))[>YD)MCRV(]$)H70I#1MR(6W*4L9/P[[`<:.Q#"% M`$4NA^VH&9$.SM%ND,I9R[@A83>R2J4QX%9*2&= M!N48?&H)GSK$IZ7WI498U&E*KHL=ECG(&'IJB9XZI"<]\ZT.T>@R>OTAD0?N MVD@$U1KM!FXZ4NJCHW(?+<%*6^1"T9=D'E:,!!N18*5#6#&!3<.\#UJ"?4B0 MTB@WH@.;1O3)TI2A)M*9Q%IVH4B6HP$&Y&H9DRK9DJD)4R,NOF0X+%&5F2T:<:+%-.<^5""8;6SX<&.\]" M1H)]2"RTN#[&'(&M5""S414RD/`$8H5LO!P05R&#R`H92'""B`H9*!PBZ#N$ M5&V(8&X22(B"B#H9A/BARLN3'ZP3ZLL2JR"B5@91M3*(JI6!E&9!3*T,PB0* M?'LGF.6#=-9KKI8($@`AHFH&<56S.QE;-0,)?Q!3-8.HJAG$5%5#5S454S)V'+Q53-7(@C M/NAA&1_TG`0M%U$]GRU#TX(+>G8P- M>EY"H,=9)1WT/$H7N:"'5'S0\Q(!/=(0JI'!3=ZA_H0E5:U<9@VA)[#2+7B M5J!$5(_2P+N9C__X]XBH]T%O?"@$B7X->JO@D9U34;WVCS+5BWWY?FZZ!W6" M;V^/2WW5_2,_G_+-^I*_%G_EU>OA7"^>RJ8I3_U3/B]EV12MB^1+Z^*MR)]O M'X[%2].][>Q5PR-.PX>FO$Q/;-T>&]O\#U!+`P04````"`!2565'-.5A,7UV M```&^P$`%````'AL+W-H87)E9%-T&UL[+W9OZCGF? M3\DOF;/=Q5<`E)19W9T6(1"+^_5[[SGW[,L_-BF6^VY1I^N=W4#\4./M9WOVVV=5DLF_NRW#VL?AMX7O+;AZ):_\;9 MKZL_[LOGF_UZ]\^_2?ST-__R3TWU+_^T^Y<7F\7^H5SOG&*]=%ZN=]7NT;E< M\YC59NW,G.:^J,OFGWZ[^Y=_^BW>P_?ESL^;]>Z^@7N6Y;+[ZU6YG3NAYSJ! MY\?=']\N=G,G2(9_/#2?_WIQT^SJ8K'[O[MWRL7OR[L*KX`AWA0/9?>JYY?7 ME__7RS=7SJO+-Q=OGE]>O':N7K[_Y?+YRROG\LWSD4&?PXSJ8@4S69:?G7\K M'WO#[NL:9_VJ:A9PW;^718T[X[PH=KTIS&9^,`O]D4?]OERM9K^N-Y_6SE59 M-)MUN70NFV9?UMT;WFQ&AOAELP(X%_4C3&=5UCW8J47)G-^7VTV]J]9WSM6N MV.U[E_]['_HR`@WO/([S>)7U[DB M='/>[G?-#G``IC6*(O9FOX(O>]/L7OFNK*O-L/H9\C4QG!&':C_X[_\EZ%3\_SMFZNWKR]?7%R_?.'\ M]::OA'!G.V54/I;,$]&ZJ7>-\JG;WSF9W M#RA+,^Z![V-1K8J;53D#M%,2T4MQV^2-S,C\^[ MP[ZKRX<*[J,K<3>VB$`#AZ_>P\%3('#J]_@$UR M@`[!**OJMH2AFGV-*^@1=-K3`A;3A\GUVVL@L1=75R^OK_IHQI#IH0[#70&N M-Z]-76\^P:QN]P.XVUOXMG@<6C5/>E45-]5J$,(\\]>7%S]WKU^\?'_U#\[+WWVXO/[WWE(`6K$+IA&+M!F#C%[OA)]B"U7%;(TP'4VZ): MSF#>BV);`>B[5[XO=R#%P(/A7`-1N1L"^OYAOR)6PR=\L7D`6>B^7#?51T1= M^-Q#@6L0E@"E'WDO7%S,8M/LOG?",'+])%9@&%]DD"=ND'G6A;UE#Z/5$.X< M1$#GXLV+H^X\DAV;ZY?N75]?R^!YZ M:>Z.!^^VA,5MUH1>HW*`$BLZ(L`@\[]*_VL+[=OBZG95%`HMNR:9C5X\GMC?/B\OGXAKPKU^OF%HFMPW+J7_5P"1M0TDV(!4VE(N.BMY?U+I_R\!;E@3.(;W,$^)J!``3L& MQZ)TMJU3PL(&3G&(YQU[)1^HP3,)APJ^_QE.U-5/%[`>(.$7??4+U`Z9Y4O+[^$67[!(\;-8`B^87'W[:A@ M[)PA43_OX=#S^V)]AQWI:+'I%H M/VNQN5O3T_"D(LQ0,.\)G$!4OG?>EXL5Z)[5+0BQ!-YB^8>]4&D^9%VB_2AK M@,6O]DO&C_43MHUH/N+:`#5Z?H3^,0'_BZN?G%>OW_[^ZFF(96Y_]?[MS\Y; M(!D7UY=O?G0NGE]?_D+*1`_8%WK;@+QNT%ZP62\J`*K9&OP>/Y$AAH@>[M[- MH[/9HIT/12U`23C_@$3""LP:"5`0C+]@';'/Q5#=/K"^DUH^J(NZ1-L>!^F M`RCW0HGY4V3V;5W=56MZ3(,CKP[;=8"&+\H2Z!L9O_"*8^]\WSM#X[(&*)(H MTM.)*(XWYDS>-F4*&11@WAP+[)-L:0-&DMZ.3E_R4.SX("-F;$'&7U1;D"WJ M$E;X,&0:?+>O062$;4'.,(HQ]E75EQD3V_,%+`0I2V%O7=ZAK6*CM+6I:1RZ M5LB]AOF@0F0/N#W*?-B'"-Z+PLX"6`7@`5O[IM%=8\\9#\X-&1>';$SO-7+Q:3]\1WC]._NF M,1NF#:^=4NP17HB0=;5`T640&XSLA1:U(^%!A_H6B""H/GJEXO7P/6NG(MKYX>7/UZ^>8,0!AX(/.OR[8N3[G$WX_> M>;7?;EUTR[27!]M=I\LGV-XQ:(HWQJ(<'@S884WBBLS&QIKO4'NN=NM^H8:U!=H8^#A M#>[8$(L>O&A*,MWL2L<7;:1_XW/`N3^!O.2\8E0$*(FV#\HU[.X-?_OP?@,VPP4Y+U5QLZNVFYLEMZKN"!=*BH;OO81?QM"QX".(8R!;@>Y@* MZ_GZF8\N+*H&Q-%K1//>?HT! MB7/"\XD;1^#^,+^:.[!.D$@()Q8+--23M(BQ#K@,$0]@*G/GAW)1`.V#"0"X M:_)[(^!!K43'`0J:S/>K!]15J\W2=19P)D%:@^]-$`)9(#>;W1HQ>FF1DC5> M@A.Q58O!K=,;QG+:IEX2S$Y?E`4$V)PE&C:6Z/K9P";!37/GN2Q`]AWNA%\? MT6<.\O>^#<9:ZU),GF2[>5IX]T)B!NC^K75\Y\[5?G%O#;`0<-\72&E$Z<,] MMM0)E!N0C>%A*NL&\)P(W.YQ[ERL5BCE`1!@WP@F,W74;HH5[A7C#9%!9%G\ M++60-4Z*!?-2OY/F1PB%TJ%@Z+5`O7$[%TA/,=K,&'&'$P^T'`!$7 MMV]8@[K0-!@0@K,HG-NB:D-/K=JL"7&ITLB.O\'E^Q4+/Z(!X):WET5[RZA- M(C-BS"$JXMJ[3\<24$#8XT/Q:^F@H(BHP``'[-JS*(V$&/:[8,SB*>*)+I<: ML]'OSH(JWFHY>Y&,RYIQ9NJ]H)9#$51"N3Z6Z[WBOF(X[*WZNK5W\"W1"AQ) M3TG=(HBE/Z^K=>D\H--$1AO'C*HAGJV@61&=6=))^ZB7H,`$NW=3THP7]N-O M]X!->'IQTE73(FL@G^Y!-KC!00IUV#Z#D3@U4)SNSL$35WNZ@W)U:4BA``>]L`OM*.QID=)$%U:'PAWB**8=\9*Z!0@%@,.X?*)XMO1 M`8&;Q2E%`#P+W3#)^&WN^DFBWN9>3F_9Q-S?HM8F_KZL[N[I@'YDCXQZ'!MK M-R;H"X,A?-]-LA3?8;0!S!J_R]W`"^B[S,W3<`@`RD[\S)OG,88X^#[,?^Y% M^!HDVJC]]2:+N'XSM@''KN1BN?R>YV;PI&$;0%OK/?9I@XJ8`8G@7>&Z2TKO(`GC@D!Q!;:V-[(+9![YB(T:/E9 MI#92J(@Y3*"*?\(21H[D&X'J<#`W!SP`M M<',__!*@_4\"KQ.X^VG@.GK@/H\52\5U\1FT+A)H#E]QB,>&<.H'[K*]/O(5 MR!R@M9#LQF(XRVH:/+"&?:.$1Y02]V3\Q"$PE-C%/7I@X:=`E9WE'?'"S,K/ M:&=5K`VQ0&$'"9RTR:AXL[VX:>N@;(QG3=/82U!!N[U%!0U9)+I<6%[X["R` M68/2CT)OZ_+?@4C$*M2%N?$GN?%=O?D#$?8+HNW'1L^Y+>'Q4]'('$7%W.QK M#$O:@<[8W%=;$8V5P;4_?Q99E;@KHJ.U:M?Y=%^!/E=97C(4`%&/M.Q,^&R> MER7D_R"C7J$0[=)57]2^,9,%T_[8X66[8=R=X_R_1BLVE"YEY7F MO%)&284E,'-,Q>`G(<.I0!`G45O[.CO<&X#3WX."W0X$NDU+<7YA18P[4]CBU%!]CY[ M=<\HY':#FC)F333[&U12 M&KHFC]TPC9!_1XESYL?QN9-G%"S[7,REL-O6F#[P_"@$C3!TSL+\'#^G7NK\ M#-MS!Q.>W12+7Y&SFTG#KM[A25@SK+9(6E`K*C%;!"\(0C<)8]BSV#F+_'/\ MG.6Y\Y(L1YV1C%(.6PKW[V56;NCG3A1EL`0/)N6F<>IPU'DQM=.P<0'L0)[A M3D8@P\2THTF&6QIZ(!R'W@#F/!EZ<-ZS*(5W"8BX\*3$\\[5]UG,-VH'D74K M3"V*@"6?Y0"?",;(3P:T[P&1SE#\S^((!D+8>3'J`F.0QBL!TKGGG&7P6/B< MQ]F703IWPQS4)E!PSL+T'#^G078BI/TP=>(8!110PF!RQX$YA.5'<0[O8C?Q MZ.#D?L)@3EP?D'_0?G"/A*%K).G1*Z92`T2J>Z]^,`1:E)C0?[:KU'DAD=^(.>64!0NY))+A-&".K_7EUY_*%:Q<8I_;GT#(^!'6OH,[ M&?5L/L&OQ`VZW&'B,_.$%H,8^C!.5T",2)"LG#%*P^<\2_!SBA\#D&%BS2M. M)API'+D0"6N$M"<%^G46(YGV@69YPC.&20CP%B#D]-0`>$K*\TO=.$F8>WP) M,8F`YL.((4XE]ICP1S!TRESD%*(2YW+_#/[3'QBZ;2H"<_=H8_TLHIT&7@D/ MAR_X&0A(W!'5NXCI%$VH*W)0$,(F)%\ M"="!804H)B!"!0$L*PSQ,0&R-.0H0S!+`&;$;?V08)2D:,"CTY$%?%Q@H7ZN M><)15*A#S^UGHNT<.$E%_C;)=.H3>G3%]/!`$D/(_$B;([9C,O,#==M)5`;I M$(K#?%A7.\I^(:>*M8'H'`).8ER/'ZOR$ZL40-F5W@`,9(7*[1WH5@4H4IIS ML=]2#^>V8*SPIYE`(%?[W%OXX3H/@@+.``KP#L"Z)S'!U>$31QYR-G+=5I]A M$!UN9O-CRVM%#CGT8`);*4D]9D\K.=@,=Z?8F%O2';1?AEFUQ#'@5L/^M^TC M*FB5$*BM"C%OXNB!906Z:UVBXKTL;PF')%1!@$\AOHR2#\4=QNTO2\GCK5M. M0/1#P/VN6-\P!QWY-ZQO]:AP0*[1SL$VDN]*#@!H2L!">PV(86J+*O+V/6#\ M_*KZ%0,X:,DHQI!,T[)W&,>4<0[V1Y=P_(K\?3LR\N">HG(,J('@@Z77OY8" M$Q='6988D(5KL6%',@IK&?R.*IQL%F? MLXM96TNT06LRP-OVD6&`%T`>;_I4-7),D,S4Y>GSA\GP[BWM[6/:TR=6G\C_ M0?3=C(I6)Q*YFPK6A($7Z]T*08KA;/00M'-A?C`:E?H\"4DQ,)5*1WW3SE`H M#&D*1.%6K,$096KVM_"4"K\NR7>Y((0WZ0#Z^.ISP3@]=`)X4PSFB3$;%H%8 MNT78+2B,Y;IC:,/H=+9+L@:T?K3G*^%8A_CM9K];$;Z(';.X@5F(+G=HTE5C M^=M;$6^)^*8H!8RHCT#,3C,0\N6"<)L M2`;AKH7WJ:Y"O8AI19^G$X.`RFYN7%19+.Y;D1VLOW>-C`?M@>RVM_-AV6W? M^J:]B($E=1SW/UIS`4DT0"DT(+$_BE!&C;),KI%9HG0/*@+J*NCT'[PS].3. MX03'3RQ&(A6L-Y\I%@<.:%V3-*"E&P!J,$^=!V`Z*FP(ODKFD?GJ>$V_ZQ.D MO=ZNRN6=8F$+3#O<[D%*7'`0-0NZ*MB-3JT*_IZ30XK.C8ARO"Q@@TRQ&?%1 M^D;;-!HUK.MN)&A08K9K%/T>V=1!!`!][A0Z@8%:FYKCGQY;PB]G"]3T%VA. MYU+:[VVY+E;XO/F`S7O`5+0L;PY;LEV4BP>6]`=H4Z(@A_4U`,\;KBENTC>A+X:1O]G<@*),; M!OT@CI_X;@[J)%JST\2W[K(N4O?ME/L$3H2;YYD3):"_9=9-YHH,5.0L=[+` M1>QG91!-O)&;)!&]R]PL[54&>CV49,'QW0<<'#$Y./A2FZ/=H2;5B`?2>#@1 MJ_;-#D01LT#$GS<4HJ2J4K6BEA%3KN`:P/\UG/A/SK]OZE\QGA*!>]>*X")? M=H$12#`\.RPIP]OPQY-.;$%AR3N4O#$(CN4MQ8D10S8+2X^\V:Z3L9 MVQA-&Y:>MTCDUQ131@(6_+QY@+.N`Q,;Y9#^$[MQ%CI!`,P_RLAG MO*O%2^E[KA_G:*/G-_CC'@9T,C=*T7;/?W4NYNBS^`0ED9OZ`=I\PM1)X'2G M,9L[QHT/1F,-&+4:!S.2?DN3PRWA.[ M.="5/L0/;WL6NQ'Y@$(_D<]^$$QONQ^3$2YQ?=P++X=M"-K;GK@A>4;XK[WI M>3$"R*;'Z**,:=.S``65.(H! M^<*)3:>26>U-CU(W0+?/?=D[[[8:U#W[I,TUEHL$!&B@QAC=7I*J5`!'@\,D M\CF+@)9-"*.7-^L*1?^Z:G[E/3"!P?,6@&L+_LK6U:@X;XL?P+QA>3`TG#UB MEK>4TF%NV6`,_^"XY+A9E6,_`Z'#@!E6.240IN;H;4*)[;[>;BC7"RY?K40I MQ,L0`B#6-I9JSZ'"9?W0R(R9VRHA@(4WLMD5QK2G`TXVM\B@"[QL0U';Y7IB M77/[#-3=_K3CR*QY-$6?JUM6 M&[Q<1\6Q.D$;P=78&`XZZ5LG0:#D5GP&U:E4PQ)B858C6=1+>R>72"LWE+HX M=WX>,IUWH>*J2+/>'KJ'/%'JLA'\-W%^Q?2)9I*$VP8,9%D\TIK)Y+HMR))2 MBFU7^=1;2R/]LE@U&[U(Y!D;;5A#L*K$,U[J;8&FH@9MMZ!T`@[#+#_AXS>W MKL3AZ3,K2$Z\:S@U1Z?CLLL!!3U+S"7C\9*E?G+6[T"[`%EYRU9"S)3NE#S=AIN$[)JH1F+-7>NZ MWE+4S6G3T:UBDMDP8%(#Z5)=;,Z%%NA;+H'J5NSL0/%NC&V3,K(DQ<@VLEMN M'$KI(V!M%(W52KCFC!H8@(=ER6?CLI6-IJ?2&*MJ*UJDLI?2#ZY%NVK->8C: MLB/J"MV@JI-NZ_)CA7$:;(V>;6YO`9)+54&#KN6::QP5P=BU7QLS!=45V#\X ME%?0$,$]=VW5HFUW5]HZ+GZ%%,CV0(UK4I2^9N:HG0MC-PRK@Q+2VHQN$2\. ML[@M*ZK..S0Z4[FT$N=-48Z&V!`BGVO2IN#3!JN?(';HZ3(6D1O(\C%T%<#W M:HKZS0>>G&6OL]ZR^/Q.3_SW.(4W&_YKC<71U@/:I8K@-7*V>6<]QWPYH+_\ MK&52#)E"8XI/+G,_(L-CDE$,@_,3$@N)O4@P4PM>X'^_I=J`BIG$&!T"JE*> MPYO(#YTP:@MD?NK1OYF\MN2GF?Y/2RSFJQ&I`+5'S*SQ@QB>FF-(2A#!S,)Q MYHXAEOAO)J_'\64S$V6!`BTXBP.RDF5DUO7=L*5^^GERG!II@R$@)0J7`P.3 M%IG3V&$+"C[H%@G\'].5;4"`0AB&L/^IESF1IU1+T"I;D&AO]A?"(,H\5"FC MQ(DRT2W]<0"8`9^\];X;)*QT!B'%_U&PIU)!\VR(HC1MDJ+2KZSX^B/IA7:H M2P:#'1V^;A/[II.ZTP[D/C[/N$MLE,?%]E6,#M)/-W%TE0S]YD*VP_J%%C?V MO291UF?9A(F?+,)D?4N5/;C@Q,$+#AT?0@>D6X@>L%:,L8)_L];QP7A5//^A M3W^MPQ-3\"H@\@P(6N(G>`9G'1J64X&,RZ;0;,!+]K\[GB6X7Q'M$M)H MW*^PAV?()`GX'OUMX5F$/T9DUTN!%P9!%\_B]"EXYDWCF>^E:.OQ$<\PY#^> MPC/DK%\!ST`RP`Q3)R1V1FCF$8,DK@E+8%L!961U.HF\&C60N*-ZH=NRE;@F M=$1&&=19<5U'*JR6Y+\GQP%3]+NZ6);LP<<2JF1/%&V\>6S@8-C61C&/_)&7 MK&H3H)F0G&42VTTN0S'PH6I:KG0.E<843!Y7:*;;&@&#E6 M@LA_O"'7J=S>4ORL@#S;$@2KOL)`$D"3GU$UQS(ZM`%.HE9?B;%;L*H9*D%C M@>%N7_$/'$4B8HXRD%`,!"#U3NP`G\KB5[*U*KMW^;EJ3#[A@@+YV)]>L"FE M04%ESRKV"E`95"'"Q$U=EQSZ@VMBS^*RJ)=J/>DW6`_IV.39+V`EJ]5,X91> MEK'8W/Q!4@5U$!0.>,/A<*#IE[5">HY1PX(M"XQ#:YI*>4"52D]%H,B2T``F MHFVE05+/48@J*I.#KA;JY/8WZ<5F?[.[W:_4#F7?=H M8((9&7H[9B3VVUJW4[47.X8)/0M_W$O='@K5Q;!F/&M`-?ZXQ\(PFS6=0YKI M@[+2N`9,A'YT2*IZL7_`"2W0+`#;A5D2:JOR;[55'1J[7ZOUT30W7*H8*R?Q MX:9[)&V&QVV(XN#VJ8BT3T5-<==(>S=8@7$+\CG6G^*[+>[0J(37?:W83UW> MKE2Y'!6@3,$E>W)`V$3(Q+M0L!G&M!B#5<,VJV4_GI!^%[*\Q<"RQM*.,+N5 MA(#B$0=647-K89/E9_FPH9"$N_M=*_#/C+_!$$0620[&V-9J3F-I:QD1"W?Y9TU$?Y9HE MS6)M]IMLM"N,W7`X4&M5%A1V)!.05<(D_'.9'-)O8,+X.QT_3M6^ MG8^;U?Y!LZN.O&C'8*Z[CP$!7S]D#?^4GY&A($$+E"R-[6MT>)FR:^+$.=0U MM.=:_&%3]S!;FYLKB>J_DU0MLJ!R$"Y:;#>M1[E.I$=N2C'Y,MZWS-4\QU2R MMHTW@;X/Q:6@7`FN;:[N\'#79H"N)O1$0)",<4@XR#=$2E@&M5T8=GVS6OO\ M!."8--C8H-*5Z>4(P1#XJ/V^E[AVE#S(J45T&#$7&#!&6O+Y^^`L)=ETY MQY81-"LD(O^2:]XHL^:`_F6I3QA<@>8VU"A"-TO(W!:X<4IZAJ66@6X5M]6J M,'##(,'V2%[@Q*#LHZH2)JX?)_UP%]",PT2K5A3U,J):18D;A;&#EK#8]2-0 M^")4Q6)0N4#YF3!&NBD\.(DRL4;.:!U^>FHH#/_7"HA!C2NG`D"HZ^.B*;/!3W+6@$*1"-A12L2*< M?!"Y29@/![_P?_QI#`*>F\!D(C(\`Y#CF.Z)<$LFK)&Y&P2^DP8I9=^G#`+? M]9)CHY%T8`S_UPJ/@=V%5>4AV71A(IF\20D&:I/"!%`+-@&UW;'0CZ-]=VY7 M,R(G(JF=MC.SG4C#;BD)?2'66Y,OVWQC%1LQ#GT]&K$[TK^H&DS'<<;Z$SMM MN'#QHZL2%4`$53'UA2CL1!\Q80($[GJ_W2VHWM"6?$4-7;$$^D^QNE8Z!7P) M`@LR&/6L#HRZ*95G+@0(7^EM96OA@\L\T8%W='*`%055.X;=MV2%K7$%FDKUGV9&Z!\+O&DREF=>]J!3:R'+1/DIL:1 M=5V8KK],Z/ZXOXPIMDQ?!TEI$'8A]"TX@MG6SB[S:3E@<_,Q`R$A^Z3K\9&B M'(6X97.+\?P!64E]?(L5&.R0.3CJ<2"!BMJ;@'%[.9$O((0Q?9/`$0T'5OFE M2PA\-R>W6I8SS\+J?5G':.@&>>($&!4(K"#S6@N((@@%Y0-X>6D"0 MTC<8S8ED%Z=V@7YS5K(SGL#OK"\P'P?R'1*J$W`\&"/B7>+).WZ@+Q%.-D^*V!G*I9 M0/'D@Q(8PUJ_>6OJ'.!'TUW8+.M"J,Q!?W%&"!=2GH"<2I_]"7!.`TK&5N<3 MOK`^EYB"QHHJ*$)/7+],,-R`.A$!@0/O%B+ M>"`!MJ6\3#S,`9R+,";Q1(2\$6.ZB'[Y,[G"K!^$H6]/-\PN0.2TM0)O6!(($TA25P1"`\U00OLJ"6$#6U M<#.2U9(,012[*;O,7';W8\QT2H9Y$T^=P"\$$;HN!^V'/5` MP8,0/3$1?`\7PCU^Q@=!B96OZ/*03&)"2=-G#HH=`>0F5490K#`]4B?`9X<<3TI5I\P0VH4 MFR.`:@)8B(\*W!PH4!P!V7&/TU31DB`V5^L_[KD-03&4@831>EP$#Y@$60R+FM.'K%XKE=WY4UU0 MM]JQF"@M+'>+0KX.3J]NV6RL1??1S%BQKZH-MZZ1=V2;MJMBP1)U'P04.5AH?6LT8%52 ME]&[H:.+>1?$)LP66XRSUI9X%Z,@<0Z,CCS!+>L+`SN)PO+`QY M;:I;-N*+(Q5&(L0IU`8;&@U,Z!AMXV3*GU*Z;0)$KB6.`\V*6W0[S.LXU2'1)`*S]T#X)JF`*3UX=Q'8, M0\PD.AFY]P'01=B;1Q M+;H+C\'*^&@Q<35EAB^QV9I6`"660II[<$441@MR/&"5BE9J*+E+"ZZ:4GS< M5$O=7@G=)F0`,Z37.":,\_R2&EGI0AMFHZDJ$CO=R"/!:VW5V.7.&JVZJYJQ M&2R7:)L)-)].V^T-Q!D`U"RMF[U"GEI[ M95/N7SC?C9W)H3`?X$#N9.-%U,?*`,]M$26NR6-2J64JY8"S5MOAU#5+-5ES M#N"\FQ0?E4_2R2#A-F,ZP62.X6S*1@L[9(UI8;8BFPYVS"/VU,Z%X?2-`K>& M`2U$%$9#DD`)X=# MY5%@=5R___7(8P;0ED6;-;B:6-L<>D,B%-;ZX41"LDRWM"R\;&[-2'FTD`B@D`M" M(49+@O-RHB;+:!J*0'1RCLC,W[3DV)M)(#XFA.-1&566K+3?#PSW= M(V6Q82)`7=JKZ!F%_OC!K-5-HR7CJ+A-;N9%C)NS*Y3G\J:$27?;#1CZ=];/ MR^".AO^Z7PU='G:N[59#XB21@KM:EFA@P8IO`ID6H6[*_J0/DM^!D/R3*/,` M]3CNJB$:\WX`N'^KZPX1A6>B'JM7+LBER$)M#MOXI>W2%L2GI9KST#%H2HG- M;@X(,F<7KU^_/N<:%CM3C5%7A537-R/2>K=.C$I3&A^GU9IU?)POL/(\S5#S M-:OE,%R__H@'R\&P8X+";'+JZD!ND(RX399FDV5A0NP^EB8Y!C=Y(2;OP<<\ MPX^IU[4Q^:E#-O$@P?^MA)#6B,&@)]\-`_1)1!'GB@3T71!$ M1UN@XBRA?S,L"$/_/JQ%MX,=G5$+`OP'[[*,_AEO-AO8,TI"Y0H]E-.'7Z+U M_YE4D!D.@-NLR'+Q"2/,=O>]_CEXQE`Y-WYG*3CSE3+U#J"_"F\#OO"O>QC= M-!4Q.=U$UCZ6E)?Q#C5:VECKSH'''\1&K.UD(H[.?.J&@7@YB89NDJ)W"3-J M/<'%=HP&WN!*$0_G\ MC/#.QC8_Y1@^#`NQ7(F)FU/S"*I\CV%9Y-GS--)9.]XG4=\:7D@A8&I^8=>!V&O!)XSER$4IM0=AB M`SGR)+SR*,"S2\<)`PI.@1=6_.,H8J\'+^S60>0ZS%KP@F-#[/4LS0/NGD." MK@&8E=ZA#+0BS3([M<-`57T<$_XH\8XJN8R[E0]8LDU`8[U)],H*JZ6[7"\A%S+OG_?CD#;<2%O,GVJE!A5.UPR>*P$2NMQ[4>P M;DS[)+7B./Y42M.T.OM^#_+"^6@(,`'X'^&2B6MZ%>+H>KAAJLP27O/Q_$"A M);CHXWGKZU9),GT-/*N;<3O"-^AJFIH=O\S?ZE&&CARV)74-TNL863]B7!AG/G M)W,AMU>"W0$0Y,8`U@>8C,,'C=72D[OOS#GIIN\I#*>['ECBCPB+XKV1W`AZ MZ:`0OOX7G;'5M13JW[HCF&<"`B\Q:0\U$]@82OU9JF,WOAZKWI3D)RJV3'== MZPMY":[EQUP7E+(X&!=,-[\T+;21NZB"^EBY#"DL9VZII#YRO7W"/';.-*`\ M(G$A8@\QICMFB%7)1FMKTH_,4B@F@4[_4ERZ:$Y$-_9"5O7<#(-3[T0X]Y,I M)=.,4OUY99]1:<2D8U?[`/$Q2Q!:**)9S-;'ZR_4MY\S1 MY]\:L>8=-D-&ZTKYV=XQE;W M=9TCJ8ZJRB%!QUBYDP1+BF!Q!1MT>K#8Q21,34B=.@B8OOQ`M-+JB((8@H,0 MD($PZ<1RGI'&9;Z#0ES08BD!%B3+M)%+/XZFW;Y!/^I"'X_>;3<;M'8,Y^-R MH3ULWK*3Y@A8$D[+A(:'H-^"BW!RG`32^0S06@*-94SJHSE*-ROR()Y_[B"PS($_12V62V7B+U M3RF:CJ]5AV_?)_-:T#/S>#QJW?/Q=8O8:C-EH%K-ETE-Y"MEF%5$W=^IL?C'V?=CN@KWM=#P<;>=AI\%9VYW`]5IJP7?-4]4`#6E&5'W4_ MJ:H54$Z/5MJ`Q#$5.K&LN_W#N62G;)JM=7]EA'0/86/[*!ZI`D\UX7:P1(^A[:K_(IB^_1&'EG-;'`[1XTCUJ9V9VI>$\Z"H?2QU@5_L5F,% MCK),UFH3O9.**XTJ]36]AU5?=N_6QOX;"N\#G',:O4VP^"C2"G(N5)J,C"N] M`IQFLUIJ?[Q]TF_+ZMBY'CVM(O[^U66+R>6:-AZR3'5ITR?-TCM444<9T*J+E3)%4O$O"@;D\ZW. M=$12-*S_-90GVR+:>R322;+>?,*P7F;0 M=!]2,FX\Q)K_(97,E'KX3R;?3U&VWH""\7QH_@IT;<3Y-RBL?UT>_I]`XIXX MO'^7D@](R9V=/$HLIA*?'TL[(ZUU8\>N])4XQS%"T4$N\K_V8?M&A+&-(R-+ M?*(%SF3$#\<@'R2??S]C[3-VNCPJ6",Q!;VPV2,[7+`J&_&">1UJW5H\VEAI M1JT^/A,/M\]%+Y;,;27[]H7=GF"K-/0N6@X@5S=U<``J`X+@>K,S3JY7DOB, M?@GNL?=3N>(TCBMLV&S]+CWXBH7X,;#X=+G;K4KED3&9O-CTFXR$.ZL9M=!O/N]2A8CN1HU/9CBYM#<`&JZ?A5Y,S^>4$_9W#YL" M3/Z2-1(7Q];FH(_8]QGKN-+FKJIR#Q07@%9(2T<[E\EH]EU9KU5LP1G]@Q+W27'+4_9GTC609O_8[ECF8<6(.W'*&VE#XENA^U7 MY9(B`*C$!J7.4%WUJ]UF\>LIUQYJXIU0K?#)$:Z%9;*7XJ%4^46XKZ]^>OT# MEX+*W4T[CSOC7K8++[42WAAYICTY(\['0T8-MCE$L M/S(!M*FBO@P'.#VO6LD(`W4#:$8\1R31>-R\K'7Z$K]_^IBG\&W:(R2E^8&` M+BO*>&,/.[F>#$7J;V?;P4$E"RJR<=+XKDW8D'IQP(5VK[?Z5ECSHK7R$ZNA M`H.8S_G`-3!(IK,"^^@D%FJ^0,!U;1+JXLJN;I(B@,YOZH+:82RH!:KJA2%+ M5[XON^BJ&9EZ"JAYK%2M)9P,N^.K]>UJSX(O5I6H*VQ;4&C99&>+SM\[9\4Y MUE-H%4:E23%[WVF*;J%BT?>TJ+ZB#%QAFHH_=G0F&;8XU_$6'*X#(EW5K)C!=^0Z)2\+!]0&]QMIP6LV$<-2ESPRMT1`/%+:H'UI MJSR%%8VISQ*%"&T4H](=*,SY)/^O[E8F`IB2M4P9)71/5^O!7J[VN#@GZ5%J MEBWPIR@DT7-%OH%S:]97;+=LOEEB%7:TO&&&<`.J"_N\+<)B5[\H/TLHTWU! MICB>R#,?"(XY&`K>-,8]$87MOE[ MC(6RTJX>.3B&0G:0WW:9R7O]2*SUQ`U`FZ,N.L2A4N)0P[?^7L7UE%S_B_O] MDA>)RX\4YEJN):(&029<+"H25SD*:@ULG]O.[FNKB4[!-7BLBU6EL>8>./\, M29=SNV?&0V/,@=6<-!>4XTCE6RH`6_9]W'4M'%54]V0M40*:S5D"$@4`Z?9) M)I)0Z;!KKCF""(:-:BA@FN]1U>L,LU;E@*R(9VO$3C:#9EC]GCX&-*VMV:[* MY1US,6M8WBM[=\RVX48I"4)+Q`"MIK@M?RW++45WW7&FPS59\/%JCJDT+6L? M,-96>-?PPQF.&K#G$8S,X;N1.-#!;YX\KTL`8,&E6U MV%I^G7]`F6[=*#%,F@>4\%,QQN$?@`D)S]&Y7N)WJ(D6XHP[R0QF!ZZ;(` MW`*C_5%?(DKO0(=]:P#3K8X'4#N`:W7.L,V>->)?_OP?*.FB71AY`QN74)-> M4=*L8DJBG.+`ERW/>'A&GITJ,7(C;/ M6V+B*+PQ@Z-JL$2N9204CT'Z@T4#1P7!6:M(6UH<5C)#TE&#UH>AZ!H#B%L5 M-'M,@*+CUID[E8\D^J'*MZZJNTIB$:E8+);=VVE[F[VM%"E-YA)!(?M'U]K5 MD^9!>5#6)$02`8WT%G]^`%Y([%4LCT;AP3IC'.9CS+VN8YHCX0&J2SI6\-S( M\\]^/6=\L0'"XJG2QTT#H\).:2*[O%X@08"4#C)&@US$8M'U?=D>VFY7OGXD MU5IJTG+'-UUI3X+]+3N8/5WR(5.@X1^H%QE.#BT&7'M.+Y[,F#84[C>]S3T` M8;?WC7I`8\@+1^>3\([J@QK=/)BQFNW;:'<@_,9M9&7*;)F88E5A(6VBG0.K MHP+).UF:8PJ2MM5XFAB($U@T.0&GSL0_!F#`HH!GI4Y(&RY*E`!Y4"N.X8=O7Q1JDE\E@J$0M' M"X(2,#C7G.^Y31@TVU-C6YP/,_>`ZAB2U10?R59,F\'VWX%#9W!>JEOR-.'P MJ?D]%)_)&JHL2)1NA(,@&V!#0"FVCU7U4#%J7KZ_@DF"AG952F%9GA4<45U\ MU-`8U@MQ#QV!WPW*:X7*RDE3!'5]PBV@$F M52OYHDVO;4I-/%;X-<@LDG"_5#/SN*KK,9/+>?+X+%[;QPD[,[J MD7.8M;B_V-3H[,`X#GV`1Z1IZKO`ML>N M.\<^8+9I7D4\V.(U8`B/HZI[FZ/S3AT=X\A]&$K11@?$9FU9U\DT:41;)>Q7$].TX26%7L0I+A3=7OIRC.K MJ!['4ER`$+Q";$RFO,=`V),D4)-ABZ*J;;%2=4^JIMGWGLHL\IU(254C%3X5 MVN$P.[)*4-O`&DT+:Y6%_[`!_&6/C,$QI;E:.G.'.XDPT>P7"ZN3KLD07MJ1 M^,S9'[;W5#1#CMJ>O36J;2*>B5_+1R,P2WY>1['JUG)D.PFO5W#%92Q7"P0, MO"TKU;[81GO>:!.18XB&$HXGB,R;8XA01SC^?8E&/+ATXLV'M2@=%^C[!&WI M"5]<\A/#)SU(J6#0' MV3YQ\Y3K=,[C&']+40^(@KD7.#\*_5!-A4(WRA,%?4X&
I1CT:QYYN&G.`,Y/_+FH)*T M5EB2-4BM+7&YBABNS:>U>;*V?/*WEKQ%VH75H:-'?3NYVK;'XX%!P8QQE'X\^=J_UVR^%E,,V7G\O%GISC[XVT/2EOH,A`47,4S]'8@Y5Z,$MT MUQ;5JY?OWY$H8@?^Z5L:UC-ETU0_5C.BMC2UO%V&P9YDX/U$@VMK#(H,I*)* M'(8-.OI>BO0SLU2:PJ[XC)$,7RR;8[=K"]U\U\^SOY)\_I+QOM7SQPQ@1%9V M<*C3&_WM3V^I)J[G&%I:0CBP?SWW_\5BL7^0RAB(2'5YCRCR$6O>``:4IUX_ M[K)Q/C^LOF^VQ:+\Y]]LI9_%;]B/DU.DP,&A!P064]6=K(,F]+NP!M,AV]:0 M%0]Y8TM(:$Y$A@`8_86FPA'CX*';/ZPQC)P(%Y7-/\,HZG/R_6NY%6?6%*M6 MW`2&1(WY@B[A(7P%>_9T=4F2,MLU>M$I&%%QQ+/`#>*.A!L_MC7Z61:?8UUIJG:+-DE%H51? MK?'1DC#%.Q-8:GM[!F#T#"0I+TEECP(NK1D%QPFP?WT`]UW9M(`\Y`6$`968 M39/T:P$YH)JI^/I-@!QDT3DHFCY6>`Y/A;.L@\K*XAAI_'1X'W.BH[_QB9;& MGAX;WEU8,IUH%Z/0OA*XXP0K9./K-P&WGWA4C=8__5!'7@1W1GYX",:\2XG' M-9?A;`2\2S'<>L2I_EL`N5]5&*?N4-S19E;I@!UO#DQA1D!%^6-^*U MG98N#S>.L2.9BZ%-Q;Q,M.P45#K/,N<;\!E.V9UZISQ1M+N*$1LRH3W?BT2F1\_-B1-NK MB)CH1@!G/G#.*\#26N72]Z.=_-2)IB<@I?NQR+XU!=UEIDU(T*A##;_@]:CV M/5]CTR.I\YT=L>E^E)Q+Q?W)58/\@2(!R+"G[+L?DPO\+,P.;GPN>% MD9\A<3]J[T%6PKGGZ5&T3:N55B$F?8M<(U/J931A./$O%)3XLU6__,C+#L7[ M^1XG/8W<;=MJ,!7W9E4U]VA=UL5#2!>W;!Z,C6YNJ9\-!WLB'5>KL7NY'5U_B/K2GU)F&7U98X(O:S<R58*Y*<=@H$J@\Z'$K>")_'%B"['2ZTZ*2*-?YK96CNJ**\!-7M.$L*D'"'@9*4/T4M!#`#JW0Z&X%U$!4, M``@7PZL4$^I'-.5A_BS;64=P>&I;&[53V!-/9;WM/FUFGXI'C5#*TRB]"M2J M3:(:!_619UA2CS3S&.`&X)A*/RM10V*H]Q[:VI&MOW+-AM.ST:M>D:SZEH M+DULZ'(=NJ&OGW@>10*L*2;8Q-E2`5O=JEH',#:\;PQWUS[O_/R9A#SJ(S(G MJB_Q:%0$7X#"*3`/<%`IY&I-Y)T>-WCTI*6NE/[M$^>F[`VOJ(<)9%!E/QTN M0ERC:?ZQ4^.S%;_U#XW\^@FA6'';<1A/DPG\\JYIX=)^;>V*O1$8H4P0^SBX M(T3&I"&`=.4@LB4.D>H!%OIV7X_B/BZ9:_MAJJL%;5UYF+QI4B>;ZZ0JX0") MO01GLOA&DY=,A5I72^6K;O=$O,T3&E5[UCK.4H.UY8;7>:]#TY?EJ^+8*M]0 MML'.R%>8;OE57-N?;AJBM)_`%1+V#UOMOV^7YF[G52D_SS`V+J@[-5>IX!AF M\]1ALJEVG>!F7)U]5EQ?\W""BN8ZC,"TRSI3J6>^JUPO[G'GU$-M6([M^N6\ MAP6Z,[Q%=[GKC2)VBA,L@;:5-3^N<174FBW6!<"N.KHD/0.,DK^N:Q(?'IW' M"BNAP`PQ)6.%.(-B)A71I`/KLMBI/+^P$3@)_12<)7(Y,F9(?CCN:TE/9A94 M41^J=F+YS6:]I*-F&IC8=8/ZS&@P2JCM=!L1M[5$>;"RBA`SC'VUB.::2BRH M(\O]@4[,W<0<>P*T70EEB`*V+5PV<1G3Y[`.C<$H71H-5:NZQ'P(.^*D5140 M%D`"#R,4U14P(JR(@-8DK2Y@\Z&5"R9KC#8J@I@#1$^XFB)MDIIX,9":2&W# MD\CUO:#SZ:WVWS/MG.Y5A2U3\\SUD]B\>:XC+3?66-C:S4V]U+Q1+>9!'ES\ MVC[:L/-W*-*LY010O'^Y)$#0!3,G"-TLS\V;EQPAUQZDS9BKG83E^6X:D"D,,%"K;1\5S+BJ)S(AOZZ%!?*YWM`0F32XUK?6!3(I0"D[L4ZF'GP MGK:BPXM8VXM@(LO!$[!LHM`DJ!'&&3$.?D9"M%09=A085Z-HMUV9?F=:8^*I M:2.)K4$KZBAMSQN2+H7'\2Q-]J@EHK87PMUN,3=M5>V^FPTD;S-O;W@2HR7JK:-*^E'3A\QVY6ZL_Z MDBDM#`J7H,GZ*9R[\PRK\2[0VTC_Y?.A]['H!<21M[; M[L!+G!>FB=5SU!A>H<:@OVWEUG!:KS>+Y_%W3CCW\^\``](H"8-9#_-W,Q]_" M>0"/_&FS6IH8:(=;VRLWLA^H=V/HPECXI7,-8#[XKSW1B">:'SW)_F'X`DCW M`8LU0IX(6'^>PS(R-\JCKP+8()A[8_N%*02'MBP^#%<\_/])X#I@U.E:F<8M MPL;#UHMY>*X*K@S0"(EIL!!H@K1W5^I4@3C MU*JZQ2,&E)Y$AL!S4WA8^P_>^M[4<^,T"]_-L[#UBI==8!=98B?JQ%'^'AWD MT(V3I/6*=[P:$J`Q]$6V%IAOGH**E=&[W/4";+H>@X:64/MU*K`396Z8>29YJ/_A##5&]DG9 MMT-(I.'AX)NG(20B@T>O.2V*WQU"R,3U89/57];Y,'D@BA%X0R@9Y:G^9R%C ME+H!W!LGD9M'$<]`WD\B8^CEG3^#R!A0H)S]>A@9$WBV_7HD,J:@@XQ@NHN!:'==ZV3K\XUJ13!$JY5^J3PCVD.M_'&H?6]!1*SV#ZAUJ3:AXJ>P M?2V$W)3E+O6!Q-"_H_Z!4OJSS3W8PN?<,SOBVO+B/0+@#[OZY\X/);>276_4 M^LO/E%=*%=%;LK!4!#B:<[5\L69/D)_IS5?N<"J`*;FI' M))).S%CY04=`6$Y,=!]7.VV-Y.A2;B!"=1<&(=@O'C*$?*X\1N)#K,TCZ+;C M&+K=T&C4B;"9N>%/]`8-A?!\KK"'L].U\92KGA+MU#WTIC3WL)OX,_M86T8E M/K$PD4>&'X#EKEJ;,I32\U15_J/N&@TO60B2\I+LUYCSS?6AEJVNV34V45%4 M5C//]X8AX&COF.A.K*Z88"ED[16R??2BG21HZ2D55IC#JF55#T92/M#M*7UO77W/%$PH1PH@M4 M"J@@C/34B$0]5,@L3)E3@U-S2_QY!>(/=4HP3H3N7OS=;_UWO_7?_=8#?NL! M-6"0@NI>[5V=P2*6+38G$7ZF(ACMVY+`N9TML_$%:W=D(\74H9P9%D M*2S!6C8_EJ*K]3V'>NDFBJH"C1W[I>?0962VV&1)CT:29ZS1^]08<8^;QK4B M5%V,U;1Z5)AN!4:.-/%@+/@BY^SJ"A0P(5WMS$F=LUK]EM3JUZA67RJUNG,V M->+>C.KA8^=3[P[%/RZ($L(:R@>%'ZKOT]S6V*EHU-@DZJYF_Q6>K;3W(>&F M+<:`TBA%YA42N+HWQGJS5B@U4Y(0/$ZZ"](@KBYU2+[NM[]7;EM1$(!VEBJB MV_H)11Q5M94<>$PME2B)E)V>,T1MK&IQC5TN[G\B(8P>)U;E+@SUL5PK8ZLJ8B];^5PW MM(#Q+O9W\/'0D%C][!UK8CKM8+``^>S'C93-1\7,.;O:W^PV6R#?\*A7Y4U- MI:5-+ZZ!A\4S+W"MV#Y\VMDUC9'YWCG-655KFQPE=+56.+M\V.[-S+6R:*:7 MA?$LY-%EAR?'SAS7^4'U00;4O1%)#/WV[_;-/3G_+3C.G`O8G^6#!!E?-9@Z($N,4*2/_P!Q]SQ5G(S+O MYX#PJC`L'IY+TW>O@P:38T8CF#6)6),CQD^!4@L5<3E7)H;#RM_CO';0TRX; MW-\%4ADTD5YT`QQGF]O97U*Y@@%TJ_M%MR'-JF9`S?U-'PXO,>&7M9U&NN2`Q/H+)Q<#F%VYYW+T7R M:^U]:=])9?BZ-PR%9@Q4UIX<<^Z\['W7%O3OI.95O1%[@@B(V(616ZA)$R+J M";HJZIX5=#Y45F.B!D.KB/98F<`WY&Z@=%5++.,Z6Z8:Y;/`S6(N2OHL-&TS MYQ_7;,-IO,;!%K4WLQ7^HQTEU3*OM7>AZON\F6AD,`F%'XU\)YYLWSV'GFSX$[/0OG7H2O`<:7K*BL]M>;+/'\L0TX M=B47R^7W/#>#)\-U5'TW2B)\S1)ZGU$@27KJC)?Z6<.3#EU,3<<))FX*((9W M@>"[P:W?RD;W`5`R`#HGD23B=Z,'N^K_0/UL$7?$I=@+[FAJ>O< MU>BFV8_GQ;-,W[65#F2_#Y&(;_\DG?\U0+GP2Q*.#R.ER/)>"R]T\,E\]C-TPCZM*3 M8`&!^'PZ;-X/W"0*'1\0[PRK=WZ%V/D@=),PACV+G;/(/W]:`'WHYTX495BT MX%R"1SB\L9CT\F.U@I@".)XYD9M3(::S(*$*-RH492#RX:G0P]#Z"+WF28@A M'6>)YYV/A-RW;E6!`V^Y[O4K`'X3P0#(>PF0^]]O!(@G7M<\^PK MQ-\'N1OF0+.!NIZ%Z?G3@O#],'7B.-1A^,>!.83E1S%5?743CPY.[B<,9@KP MZ!(JZW!;@<-C-&B0SO5$H7LV_K6M:3WJ-_JX[IW6XUEF[0^BP^'1@+#$/EJJ M>BF9L6=H09ZIOJN8+:VZ80+)O;M#-[[8-"URJ]VW8GVS6IAJ5\J:9#`TKEA0 M,/[IJM-FL#-QW>W3/8F@=_.KCFOYS%8_H'ZVXX9*EEJ[C^5`C06C3M3R`SJ)YPC,@VU^%7XBU=7C/Q66*Q;'8S]&&J39Q4 MHN,#`I_S#`-\SJC<5^"[7JPYS\ED*(4#'"*9CI"2I4`-J5P0C)IA?6?B0,,$ M"3@5L`5Z:@`<*N7YI11,1[SH2TA3!!P$1@QQ*K'';"2"H5/F2:>0J#B7^RG0 M2WU@Z+9I$LS=HXWU,RIR!#HAL`+\@C_'0*OB1+.D/L:/PC!(W3`+N!$.L9@( MX[SHBRBG+U(`(T7?,Q,:93TSG>5E,1]Z>RKHL30XRA@`J(P7<;`9WJRSM00"QOB+W?#0QV2:[]) M!RE[678=,L"\R)?R6'R-S))JNV.7IAEISH-WJL):1VLN`TRSZY.G4KS]9J^' M]90CQAYD5N[8(UV.4[I'LR#'*'4A9;0.TB.L2-L!";0S&=![]Q38AC&&6(Q< M!])@U]28*K,F(`HE=!VWZ].7*@?E+:JR5,D<%`P,=(Y(`TD3W[K+ND@[-H'' M\S<1B*YY!NR5>@V8F\P5&1"B+'>RP$4Y$LMS8&`:/JL4SZ43C"DA`S=M6[T MJO=68L>*`Q3>EPU7"R/`^RD0=VK($-+Q]U/,/_-07'LH:XX@1Q#>U1@*"R<) MO@A"C$OV@9['H,D%0>:&H`JBNV!7[[D7-@@Q?IQ3OC&]P1_WV'\^_ MNH;IZ+,XK@&T[10X$+`-T$820-TT9H_'.`.4.[,4]!#4Y>0-;S3,V_6\G)+A M6`2(4V"U,-&+4:`#XXEB*\[\F4Y[Z$/\\+9GL1N14AKZB7SV@V!ZV_V8^#@U M88;GY+`-07O;$SI[SI>7KTIL<@-L#D`I`#(R=.:'[';7H*BJ:/ M#Y0WLNDQVDQBVO0L0(X31S$@7SBQZ8F;^9U-E_#^G@E.I6N)F$CMD%2\I&JS M:IP.YG"S"_P8A5(\PHT4Z9$D`%_O=; M)P@H61*C'@,G$E09.'%^B!7A+VQ<]U./_LWDM76>9OH_?9;,5[USQ"B*1`K- MV3[(NCD\%@1N$/S]0%&[@9.&ID7\-Y/7XTZ9F8GBXD!LLS@@22,C,="G-!9# MY7S0"(ZB5C88`CJKN!P8F(A53F.'+2CXP#XP#2VF*]N``+H#2F@,"D5&!;R9 M@@'Q:D&BO=E?"(,(>!I0KB@!@59(F#\.`#/@D[?>=X.$:5L0DMV+C)R*TH%, M-EARIT52E,]#*`:9O(ZC%SJD4CQB[<)?>A">_%3E:,G$/**`=)?8J&XGMFXS M.LA`X6[M:M9O5*,NZQ=:W-CWFD19GV43)GZR")/U+24ARDE+]E'Q^TTU+5%9_^6H'0X#\WCR@E,>0]4VAV M7)'O_ZWP+,']4FG$?H[[%?;P#)DD`=^CORT\B_#'B,3'%'@A]75IX5F(:<]2O@&4@&.34!(79&:.81@R2N.9M0;X?HL`H% M+C]OJ01UPQ9\73(50W'OT.I]AU'TQ_@N&JN#[FF#?P/=]!TRF"M,DX"]^QE5 M&-C;*VYZN2QJ&'6SO]G=[E=DZL;#R+635F,RGH5TJ/F@D()P"-V,&HO[@0N: M%7YA(3-@9-Q&QI#ZW,!=H1IVJ4P3]P@/E+`:\,`A@]%7LDI^QW]SE9)`@2!!S_%7;Y#D`I9 MO**X"IQ\$+E)F`]KIOP??QJ#@."[7G*LJ4!KK?Q?2W?%Y@"1FXQIG76D`4.3`Q-K3H!>0!J3ZT@""E M;]""%O?:\-UQ/]YB]4@]@&\!ZB!W4,6&(?G_R?93K79@0E/OH6,8>G`^7XJ3 ML.:LN$%,%3H;?OM+34>Y="DD=9&8[LHOK-V^-2Q@_ M/I>DE_?6LBB7%P<_9+#(",A4LB&1D^"S0`MG(R"_E3H3:-YH:]`Q(#_\[P.^ M8:P:G`[`?'5(?"^Q:3;R/)3A(M<'D2@",NP14@5>K+DE,-,VP\S$Q!$`+H8Q M47KAER/2G'!*;`[L-RTES;=4=H.O)GF"Z22Y_L,12"XRNV MZN?YA,P'2TNH)&5.E54P]DAXZZDRH+!5S6SU"96B+TF&(`*-BW4VE^U-:!M. M23(T=N,$?F%SO.LZIR!M;4V@M/$RSJ[`X MO,(TWXUAAZ,TI22AI1",T&ADC4,OQ3`%")ZF0\&04H;V0VB%& M*6(TNB5`<,25BYB"8ME!VPK7NNB[KA_8W7_NZR=/@D_&( M.#LAD7K'M&SLUQ.V._K[=MLT!9B\LD?$H?6.]WOTUR>JXTPF3*UJ.XF>CJ@< M3$J[]X.9[4%!!S""69)[1:DPG5W$SZ(B>&]*T,*'G6O;/,45=Q&LRQ1>IM9.MP40TQ;%:#%EBI9*LS3FE0I$*FQ&ES=)L,G0IQ'S!-,G1Q@^*4XI)@RG( M_O`Q];K"("@SI,\$"?YO>9-R'_\'+3["_X\-8T+;O^]B;U?0+")V-`7T71!$ M1XN*<9;0OQD&+=&_#^A_V2QH1V>4M^/G7,`XHW_&^L?*4481+!Q%1@$!^"5J M;L\XRJE7T`"`AZ#ZA"X6#+V=.LDFR%'"&H]S,MF/V-VW(@_P(Q[@P=&_4@S! M@;.EFWU+#K=)\].-")C,?BRI98IIKVO=.?#X@ZB.P8W&JG_F4WX:(OTDCKM) M2CU:`.,\0?2V'XK=.R%BMS$9YQR633ZCW#\>JT%G#IRSB/(>SK`S/&/W_3OV\-+R0_NG4U M*77Y40!#XG,6)^=8_.,,F]0/0"W@[<"&V"VXH9054UM[^/HDP"'9H2P7)''! M:7"+Q!?F]^&6,4B##M@R3K*D'MCB\`Z30;C99^P+879$!&Q&1A[=_`*_R9)# M\/+DM$A&)3"1WB$3WZOG!'8`;((Y/><.39H/`BME??!9@&'&&Y'K,&O!"XX-\>ZS-`\XGY4$;PVP M?EVB[1Y[E(,B=0&"(4>;XC;UT\;RE0A'NOL=[*; MKVHLFZ5J_M*11;!LFYKO90(.E@@ M0"?!AN)+)!Q0CD55!5?)Q`.PFT@XI[A6+BNB*1M\3CW]'8_;KT6W,.TUMJMR M>8>E)PX.E[E^QK_SL*J\V*,=_WE+S7F'`/V,0PMI@*^_^0-2P#?=>VRBH.".!L&X9>!(_>H*DVOB-##=K5Y!$'[!ZE#]VXUE8V% MJ=:;M4J$PH[-+)%7"UW(CAJQ3.L(`Y6$CAE4X9">44SI9$;Z@V:M)%?@"*GP=C8-D'D"A?JE*K=0G':$U! M/+@9JJE<$(7GF)\+S.\LQE38LQASA3'915(A37&M)57[`Z1"/PMH$"``AMR! M91`*2#PHL9F+E9`Z@X)3S[\AY5(':_2H2*-CC$++4^-_+M+[PK:O`S&#W*44">8R)ZB$F$\,F;PX%JK5#Z/( M02[6MKUEK&1J]G4E`+I\?5"NCN8ZTNIGGTDW/BQK=&I M*D,8L6$&&8+R-O#^"^ M]$D+R+F0"L904U&.)/U:0`Y(OEQ8,IUH>.-]+7#'"1IS\?6;@-M//#*<^*?Z,HO[E'2'L5P)U*#W> M^.\W`7>(MF`$0#LH$6S M&`8_55R&=]I&U(_*L\2G7:=1<#&TI]C(A2K68@,J8V,F;S@N` MPTPC9A00#1KX&W/(%<53:OI6*!ZWN-:.-5"ASITK.$JUZA54*N./W(E%W9QH M>@+B"D.GE34%'472IG:H.%%D&KP>%9[S-39=%YLZ8M/]*#D7#];DJ@-*M4!/ M_RG[[L=D)#D+LX,;'V/2Q8&=%VGC##G047OO4^(=4/ZC"+"TR;&[+A;Z%KE& MIM0EP58]*ZM`^W$%B]ED)6W:E^A.LDMS87G)&F%')ARJT7A4_(&MQ,HC"(NL M-AD<5^5=5$O[KMVR7FO"6]O M<13V:XAMI4I=2Y4#G6[EY8DL"B;50E[MB;Y8``^4CUS MM)4P8^X%K^#*JK[6.^%BG;\8L,Y3**;43&Y_.K6LX4P53)Y-5TZ>J5K)LZ]1 M-'FFRB3/GE8O&0LDDZ>1WO5Q[.#^'[/Q0VX1CH'E>L?M3W8)2KRV5822ZT[. MGEC\>*9K'<\.5#V>J3K'LZ]1\'BF2AS/GE;K.,G%'XSOOH0<8A+(`8)X<9BD MPBA?2+J0P$BNI_:\LI@[7`'Q*91!%]YZ+16Z=$R').KP7];&:BOB@"L!\WY' M((/QZT#TY-@#,@!QI/]./R#-`W[M@=6BF_NUU6>1R&NC6^`-$U-L];0HFZ/R MAZ0K%+:]7%6-\H1TU8RI.8P3=34/%DE(M*%KE@X@-TAINIC!-,#*F*9Q&)4]>45)*^I;G&&K MT5[C>+-X'G_GA',__P[KU4:9<['=UD75D'5?>W-_X7:,>B32NK"S;%.IGG-P M#USHS4+O.V!-\R3Y#K9@M>+P"71KQM_-?/PMG`?PR)^X4[C2SSGN4ZEM?J#> MC>$DH_J7SC6`^>"_]D0CGFA^]"3[)^X+(-T'+/KZGPA8?Y[#,C`3,_HJ@`V" MN3>V7^@6.[1E\6&X(IWYSP'70?%?QSH,=N$>I&+MIL3=HO@C+>&G2R(_5Z$7 M`U1&K!`6"DYPH*Z$_;UI([Y4_;&X4S0'2I)[&F> MNQZ5N(E!4$TB55\%5NZ&F6=Z&7)CPBAR$]C!"*:74G6`+`M8_//RI#]5U>@R MR4/]C])/%48.=!_Y9@B)7"`TX]%\6@D,O-$M4^9Z?>3R(@E*MM_!I$Q(/N[_7H8&9,H:KT>B8PI M5F<)Z5T$2(=>L#B(L6>81D:N-M1%1J3_N1-BO7R09[GN]PR;+23!!#)B50SU M;]:O/C;40D[LO!CT^N'JA7/V#&U.OU6Q-$!N/ZRI2>PS?'^M2&]WY*,ZGDWT MS3RF!5OWIA,Z?"';X*][MJF)GFEXEQ)J]:^]`8[LH#:^^*_56VUBD<>W4YL8 MY"MV5#L5'JJ)VG$0>6\616V;G?_Z,U'BWLY?@+JOIVG915Y^%D57VF*V.A_J M";[3A^B_8L])]CA./Z.WW67K26MS#$9:*$YLW.BJG?_F_%RMJX?]PW$;P3/C MAU.W=(L8F[ID_=:T$ZM;T+/66\W,ZU*"B$ M[5U1[]9EW=Q7VV,N[QWTW M]\1LV#GI>TIRB,K(FT)0ZR'H7N`BD;V1[>K>8P\9@>JU&57%+W.WG MW%WBB$'0841-Z)>2!"(.$G%LC)1C;S58U,QOFKL-88>0BUY,JWUM=`(F]8YD MRS9[A=*21:':#49=)^U)ZTUU8G1DOT'.='[;&'V^!TGW3PJM=#;3HL M1U)/(M#'Q1(Q6>XC:=4R7E&2`,4J_S=G#"I&='T%HFMG-UU[7W";1F8_L6M)-.73`ZCR,!,CZI8P?@&1YY]0N0W>GHVF9UW91PDILBJ*8[J=IKW MB(BI6"\5L7C%HF9O/"LY>2";I;?])M>YSP)4ZO,`?^&3._'L5IY)[Z0>T,&, MQ$.YBU0?5X.76[]:A=T.SO?$VELYAJG*(COI,`TEOG0=T-C-OR7/3X M=#Q,P">F<$`_#+WA$8%2;6#KGS*DG:5.2>POV0O#]&N<1K>RR%M%"4\9Q^3W,$U+KXA>O`$YC$]WH1@P,VL3,,J M.=-#U*%;WD[UMM+$Z^B;1N]0:N.V@?!?T;$%MH\8=I!<"JP3 M-`T0)*V36TZ*K=9)X=V%=A>M@?[XBD-2(L5Y2O31:W*&'`[%X6.^[\I=^R/[ M+1?29YJ.AI;J)B>1QDM=H((GF&6JW&!!2Q4^@$DU.@`MPC#Z MF)!U0P_$;:I_5AARDSS5"3S?K\[R(;`2ZVWQ3*Y&G.0DD6+A,WF2)YE M/^W!8-%38C'I1B"J+L[7?,8\X]E[ M>W3F:@CS#GOM87<=*>?&[E+SX#D4?Z$M'KTPX9I;=.!4?C2&'XU-MRLP=M:N MH)9YL&]?90,1*FJ:B%!1RTA(A%;91KB&FB;"-=2R$!IS5K81I:.FE2@=]3P) MB:2K^Q*NHZXWX3H,=BH")[L9,!'&7F(B#)T0-CGV+LD"C1V4!9J[RVS*EG:8 M%[FHR[Q(0Z=M&TF[!8PRS?8)FQN/GFFO^:U(_J[28G^Z'?MV%OCB*3- ME;T4RMYXJ*HC^WX(V6)%GJ@TZI=B_(E>:H,26OW74*TLZR.[O&)KLG=H./LC MA.:`A9!GF3&7C7Q-\N8[(YJCG`#=9^64C4Q&E,EL5AJ_HKZ5U:\8MX)^KUY, M;[.Z77ZEMN.19,7&XPKTK1_7]/3-DWQX-,R1AQ;(G6"JG"$K"-Y:1\+2P_X4 MI*6%_(0JI'5WD,0.6Q,@,86,3I\JI'E@$.K?N_KPY7(9JWB"X*^_O;OVDC?N M==ZAC1D#VDPFE&]#;N.G?ABY/_WL?=7UIS9[/AO@6K:W$<@`+M\#()*#HH), M4+`M]\)!3SV`U[1Q"A2Q1$;:D/`QD,&'5&%P9>O[;*"*B`00ME)V;1G!A*F0 M75=&?R'I9`O;=5,,$;+;*\DBF$4OZ.[]FO?U"[PQ=\-WZ?"*__[>D1<`!%_V M?T>%4%QL?1V\^K3OF:LOX$'H/'9[MSOZ;^>VAUQ'CRKI'NE-[[LWP'W;=PY0 M#?Y_'<'\N&DZJAESM4-Z6GD(F;!0N/?P8^<6F1\\#A_IF[3<[^TC_+P5LSB3?#F?CMV>3_?['K[J3-)P M62U+._S+T3DHDXYSJ@_AP;Y(0,'HC!P33)&$7H(N%-@DF!(,B80E3_[!4V_X M7.H*=I%#E]1$OC4[/:1 M6@4H90(G]SWQZQERY>HMD;,N>( M^18U%3D>BI6"_3,"Y@-T/3HK\7B^#HAZT?SZ*.K8`F>E2"C6/K^3)DQ3Y&U_ M]PX,\F$W8>X`[_D\#9Q::SX_PP(1!B>?$E0+Q=WJR'#NDWG!L@<"N8CMW;=S M?"C@X=:5WL\Y?J'%*)K:MZSU"7C>\21-T[G2T^FOAVQ=K(0XL/4F_G4'YG?] M"EBJX:G%!*X*R2\+?#7!U",@GD=\5QP5EME6Y4B*B/\&.?2N@T$,EO*M"RAA MM!2*'DS'\BKPX'+I1G"#YX56@`87WWP]8K`\)L-LBF!Q].$A76EA+;I:YO3\ MC5,!;JF2I>BP4&]Y1;HF^8'XX]PZ-VA/_OOE7L21RQ8_/],&X7"GBL:]!;C? M33AL9)K'K6PX8FMYU(*TL587&SDOF09_G9?\&4O>6M,R(;?XZL>KJOK&C65, MZR2/(1V,\?Q'@,#5MX:#GB479KI.7<46MZ#@<[@.`4*V<*97$*N9!14V"BUV@SE1/O]IY7F+M(%?NZ\<9^\N;?G\^9&\T M]%'\G*=%S'-N,_!8IORK\/ZX3;#SPGW=!*GG[O]PE."EXEH&%1=";X\\.Q&PO7W)E;',O=V]R:V)O;VLN>&UL+G)E M;'-02P$"%`,4````"`!2565'VD;B*/4"``#'"@``$```````````````@`'! M!```9&]C4')O<',O87!P+GAM;%!+`0(4`Q0````(`%)594<-*;I9/@$``&D# M```1``````````````"``>0'``!D;V-097)PC$`8``)PG```3``````````````"``5$)``!X;"]T:&5M M92]T:&5M93$N>&UL4$L!`A0#%`````@`4E5E1VL*@H```T````` M`````````(`!D@\``'AL+W-T>6QE&PO=V]R:V)O;VLN>&UL4$L! M`A0#%`````@`4E5E1QRW1]QQ`@``O@@``!@``````````````(`!,A8``'AL M+W=O3]P_S&00` M`#\3```8``````````````"``=D8``!X;"]W;W)K&PO=V]R:W-H965T&UL4$L!`A0#%`````@`4E5E1T1V MOI/L!@```"8``!@``````````````(`!EQ\``'AL+W=O)Y!10'`,``%L,```8```````````` M``"``;DF``!X;"]W;W)K&PO=V]R:W-H965T M&UL4$L!`A0#%`````@`4E5E1['N&Y&C`0``L0,``!@````` M`````````(`!>R\``'AL+W=O[8IFDHP$``+$#```8``````````````"``50Q``!X;"]W;W)K M&PO=V]R:W-H965T&UL4$L! M`A0#%`````@`4E5E1W&PO=V]R:W-H965T&UL4$L!`A0#%`````@`4E5E M1X.EO3>B`0``L0,``!D``````````````(`!E#H``'AL+W=O&PO=V]R:W-H965T&UL4$L!`A0#%`````@`4E5E1^^2#GRA`0``L0,` M`!D``````````````(`!(D```'AL+W=O&PO=V]R:W-H965TXFKZ< MI@$``+$#```9``````````````"``=1#``!X;"]W;W)K&UL4$L!`A0#%`````@`4E5E1PW12&++`0``X`0``!D````````````` M`(`!L44``'AL+W=O&PO=V]R:W-H965T M&UL4$L!`A0# M%`````@`4E5E1Z&PO=V]R:W-H965T&UL4$L!`A0#%`````@`4E5E1Z8S M10!T`P``!`\``!D``````````````(`!I%$``'AL+W=O&PO=V]R:W-H965T&UL4$L!`A0#%`````@`4E5E1UMH8[YJ"P```5$``!D` M`````````````(`!&F(``'AL+W=O&PO M=V]R:W-H965T80]U-3`D` M`!)!```9``````````````"``6UV``!X;"]W;W)K&UL4$L!`A0#%`````@`4E5E1]V2Q\Q]"P``F5```!D``````````````(`! M\'\``'AL+W=OJ!F`3T$``"H%P``&0``````````````@`&DBP``>&PO=V]R:W-H965T&UL4$L!`A0#%``` M``@`4E5E1]H<+$SV`@```PX``!D``````````````(`!`)(``'AL+W=O&PO=V]R:W-H965TYB!P[)`0``*@4```9``````````````"``:V:``!X M;"]W;W)K&UL4$L!`A0#%`````@`4E5E1U$9J#S& M`P``6Q$``!D``````````````(`!")\``'AL+W=O34`$``#3&```&0`````````````` M@`$%HP``>&PO=V]R:W-H965T&UL4$L!`A0#%`````@`4E5E1]N[[ZI"!@``0B8``!D````` M`````````(`!WJL``'AL+W=O&PO XML 13 R33.htm IDEA: XBRL DOCUMENT v3.3.0.814

Federal Home Loan Bank Stock (Details) - USD ($)

Sep. 30, 2015

Dec. 31, 2014

Federal Home Loan Bank Stock [Abstract]

Federal home loan bank stock $ 1,708,000 $ 1,761,000

FHLB Stock, at par value (in dollars per share) $ 100

X

- Definition
This elements represents face amount of Federal Home Loan Bank Stock per share, generally not indicative of the fair market value per share.
+ References
No definition available.
+ Details

Name: czfs_FederalHomeLoanBankStockParValue

Namespace Prefix: czfs_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 325

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6478792&loc=d3e63345-112809

+ Details

Name: us-gaap_FederalHomeLoanBankStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_InvestmentsAllOtherInvestmentsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 14 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 15 R25.htm IDEA: XBRL DOCUMENT v3.3.0.814

Earnings per Share (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 9 Months Ended

Sep. 30, 2015

Sep. 30, 2014

Sep. 30, 2015

Sep. 30, 2014

Basic earnings per share computation [Abstract]

Net income applicable to common stock $ 2,857 $ 3,368 $ 9,166 $ 9,909

Weighted average common shares outstanding (in shares) 3,011,687 3,035,214 3,019,202 3,038,973

Earnings per share - basic (in dollars per share) $ 0.95 $ 1.11 $ 3.04 $ 3.26

Diluted earnings per share computation [Abstract]

Weighted average common shares outstanding for basic earnings per share (in shares) 3,011,687 3,035,214 3,019,202 3,038,973

Add: Dilutive effects of restricted stock (in shares) 1,464 1,486 1,468 1,427

Weighted average common shares outstanding for dilutive earnings per share (in shares) 3,013,151 3,036,700 3,020,670 3,040,400

Earnings per share - diluted (in dollars per share) $ 0.95 $ 1.11 $ 3.03 $ 3.26

Restricted Stock [Member]

Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]

Antidilutive restricted stock excluded from net income per share calculations (in shares) 2,696 1,938 2,696 2,913

Restricted Stock [Member] | Minimum [Member]

Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]

Antidilutive stock share price range (in dollars per share) $ 44.50 $ 34.70 $ 44.50 $ 34.70

Restricted Stock [Member] | Maximum [Member]

Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]

Antidilutive stock share price range (in dollars per share) $ 53.15 $ 50.50 $ 53.15 $ 50.50

X

- Definition
Agreed-upon price for the exchange of the underlying asset relating to the share-based payment award.
+ References
No definition available.
+ Details

Name: czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice

Namespace Prefix: czfs_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Antidilution

-URI http://asc.fasb.org/extlink&oid=6505113

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Diluted Earnings Per Share

-URI http://asc.fasb.org/extlink&oid=6510752

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Contingent Stock Agreement

-URI http://asc.fasb.org/extlink&oid=6508534

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

+ Details

Name: us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 55

-Paragraph 52

-URI http://asc.fasb.org/extlink&oid=32703322&loc=d3e4984-109258

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.23)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 18

-Article 7

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 20

-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 21

-Article 9

+ Details

Name: us-gaap_EarningsPerShareBasic

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareBasicAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 18

-Article 7

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 20

-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 21

-Article 9

+ Details

Name: us-gaap_EarningsPerShareDiluted

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareDilutedAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Additional shares included in the calculation of diluted EPS as a result of the potentially dilutive effect of share based payment arrangements using the treasury stock method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 28A

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1500-109256

+ Details

Name: us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

-URI http://asc.fasb.org/extlink&oid=51831255

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.18)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.22)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

-URI http://asc.fasb.org/extlink&oid=51831270

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 19

-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 20

-Article 9

+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 16

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1505-109256

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

+ Details

Name: us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 10

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1448-109256

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Weighted-Average Number of Common Shares Outstanding

-URI http://asc.fasb.org/extlink&oid=6528421

+ Details

Name: us-gaap_WeightedAverageNumberOfSharesOutstandingBasic

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_RestrictedStockMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_RangeAxis=us-gaap_MinimumMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_RangeAxis=us-gaap_MaximumMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 16 R37.htm IDEA: XBRL DOCUMENT v3.3.0.814

Accumulated Comprehensive Income, Reclassification (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended

Sep. 30, 2015

Sep. 30, 2014

Sep. 30, 2015

Sep. 30, 2014

Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]

Investment securities gains, net $ 129 $ 242 $ 430 $ 488

Provision for income taxes (681) (913) (2,200) (2,655)

Salaries and employee benefits (3,069) (2,790) (9,118) (8,600)

NET INCOME 2,857 3,368 9,166 9,909

Reclassification out of Accumulated Other Comprehensive Income [Member]

Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]

NET INCOME ^[1] 51 151 183 297

Unrealized Gains (Loss) On Available For Sale Securities [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]

Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]

Investment securities gains, net ^[1] 129 242 430 488

Provision for income taxes ^[1] (44) (82) (146) (166)

NET INCOME ^[1] 85 160 284 322

Defined Benefit Pension Items [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]

Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]

Provision for income taxes ^[1] 17 4 52 13

Salaries and employee benefits ^[1] (51) (13) (153) (38)

NET INCOME ^[1] $ (34) $ (9) $ (101) $ (25)

[1] Amounts in parentheses indicate expenses and other amounts indicate income

X

- Definition
The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13(h))

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.3)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

+ Details

Name: us-gaap_GainLossOnSaleOfSecuritiesNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Income Tax Expense (or Benefit)

-URI http://asc.fasb.org/extlink&oid=6515339

+ Details

Name: us-gaap_IncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.4)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

+ Details

Name: us-gaap_LaborAndRelatedExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

-URI http://asc.fasb.org/extlink&oid=51831255

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.18)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.22)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

-URI http://asc.fasb.org/extlink&oid=51831270

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 19

-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 20

-Article 9

+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 17 R9.htm IDEA: XBRL DOCUMENT v3.3.0.814

Income Tax Expense
9 Months Ended

Sep. 30, 2015

Income Tax Expense [Abstract]

Income Tax Expense
Note 3 - Income Tax Expense

Income tax expense is less than the amount calculated using the statutory tax rate, primarily as a result of tax-exempt income earned from state and municipal securities and loans and investments in affordable housing tax credits.

Investments in Qualified Affordable Housing Projects

As of September 30, 2015 and December 31, 2014, the Company was invested in four partnerships that provide affordable housing. The balance of the investments, which is included within other assets in the Consolidated Balance Sheet, was $1,024,000 and $1,218,000 as of September 30, 2015 and December 31, 2014, respectively. Investments purchased prior to January 1, 2015, are accounted for utilizing the effective yield method. As of September 30, 2015, the Company has $1,094,000 of tax credits remaining that will be recognized over seven years. Tax credits of $50,000 and $149,000 were recognized as a reduction of tax expense during the three and nine months ended September 30, 2015, respectively.

X

- References
No definition available.
+ Details

Name: us-gaap_IncomeTaxDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32559-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32718-109319

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

+ Details

Name: us-gaap_IncomeTaxDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 18 R29.htm IDEA: XBRL DOCUMENT v3.3.0.814

Loans, Impaired Financing Receivable (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended

Sep. 30, 2015

Sep. 30, 2014

Sep. 30, 2015

Sep. 30, 2014

Dec. 31, 2014

Impaired Financing Receivable [Abstract]

Unpaid Principal Balance $ 10,852 $ 10,852 $ 11,265

Recorded Investment With No Allowance 6,841 6,841 8,239

Recorded Investment With Allowance 1,309 1,309 583

Total Recorded Investment 8,150 8,150 8,822

Related Allowance 196 196 98

Average Recorded Investment 7,995 $ 9,050 8,584 $ 9,943

Interest Income Recognized 36 41 123 137

Interest Income Recognized Cash Basis 1 0 9 0

Real Estate Loans [Member] | Mortgages [Member]

Impaired Financing Receivable [Abstract]

Unpaid Principal Balance 304 304 222

Recorded Investment With No Allowance 119 119 125

Recorded Investment With Allowance 149 149 66

Total Recorded Investment 268 268 191

Related Allowance 27 27 13

Average Recorded Investment 269 197 239 201

Interest Income Recognized 4 3 8 7

Interest Income Recognized Cash Basis 0 0 5 0

Real Estate Loans [Member] | Home Equity [Member]

Impaired Financing Receivable [Abstract]

Unpaid Principal Balance 62 62 130

Recorded Investment With No Allowance 0 0 60

Recorded Investment With Allowance 62 62 65

Total Recorded Investment 62 62 125

Related Allowance 12 12 12

Average Recorded Investment 62 130 97 131

Interest Income Recognized 1 1 3 3

Interest Income Recognized Cash Basis 0 0 0 0

Real Estate Loans [Member] | Commercial [Member]

Impaired Financing Receivable [Abstract]

Unpaid Principal Balance 7,965 7,965 8,433

Recorded Investment With No Allowance 5,314 5,314 5,708

Recorded Investment With Allowance 99 99 404

Total Recorded Investment 5,413 5,413 6,112

Related Allowance 34 34 72

Average Recorded Investment 5,462 6,770 5,728 7,616

Interest Income Recognized 14 22 46 66

Interest Income Recognized Cash Basis 0 0 0 0

Real Estate Loans [Member] | Agricultural [Member]

Impaired Financing Receivable [Abstract]

Unpaid Principal Balance 170 170 0

Recorded Investment With No Allowance 170 170 0

Recorded Investment With Allowance 0 0 0

Total Recorded Investment 170 170 0

Related Allowance 0 0 0

Average Recorded Investment 57 0 19 0

Interest Income Recognized 1 0 1 0

Interest Income Recognized Cash Basis 0 0 0 0

Real Estate Loans [Member] | Construction [Member]

Impaired Financing Receivable [Abstract]

Unpaid Principal Balance 0 0 0

Recorded Investment With No Allowance 0 0 0

Recorded Investment With Allowance 0 0 0

Total Recorded Investment 0 0 0

Related Allowance 0 0 0

Average Recorded Investment 0 0 0 0

Interest Income Recognized 0 0 0 0

Interest Income Recognized Cash Basis 0 0 0 0

Consumer [Member]

Impaired Financing Receivable [Abstract]

Unpaid Principal Balance 0 0 0

Recorded Investment With No Allowance 0 0 0

Recorded Investment With Allowance 0 0 0

Total Recorded Investment 0 0 0

Related Allowance 0 0 0

Average Recorded Investment 0 10 0 13

Interest Income Recognized 0 0 0 0

Interest Income Recognized Cash Basis 0 0 0 0

Other Commercial Loans [Member]

Impaired Financing Receivable [Abstract]

Unpaid Principal Balance 2,238 2,238 2,480

Recorded Investment With No Allowance 1,125 1,125 2,346

Recorded Investment With Allowance 999 999 48

Total Recorded Investment 2,124 2,124 2,394

Related Allowance 123 123 1

Average Recorded Investment 2,107 1,943 2,488 1,982

Interest Income Recognized 15 15 64 61

Interest Income Recognized Cash Basis 1 0 4 0

Other Agricultural Loans [Member]

Impaired Financing Receivable [Abstract]

Unpaid Principal Balance 113 113 0

Recorded Investment With No Allowance 113 113 0

Recorded Investment With Allowance 0 0 0

Total Recorded Investment 113 113 0

Related Allowance 0 0 0

Average Recorded Investment 38 0 13 0

Interest Income Recognized 1 0 1 0

Interest Income Recognized Cash Basis 0 0 0 0

State and Political Subdivision Loans [Member]

Impaired Financing Receivable [Abstract]

Unpaid Principal Balance 0 0 0

Recorded Investment With No Allowance 0 0 0

Recorded Investment With Allowance 0 0 0

Total Recorded Investment 0 0 0

Related Allowance 0 0 $ 0

Average Recorded Investment 0 0 0 0

Interest Income Recognized 0 0 0 0

Interest Income Recognized Cash Basis $ 0 $ 0 $ 0 $ 0

X

- References
No definition available.
+ Details

Name: czfs_ImpairedFinancingReceivableAbstract

Namespace Prefix: czfs_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Average amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5212-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 17

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5258-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of interest income recognized that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5212-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of interest income recognized on a cash-basis method of accounting that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (c)(3)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5212-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 14A

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953550-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of allowance for credit losses related to recorded investment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (a)(3)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5212-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableRelatedAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of unpaid principal balance of impaired financing receivables with related allowance for credit losses and without related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (a)(4)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5212-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of investment in impaired financing receivables for which there is no related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 14A

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953550-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of investment in impaired financing receivables for which there is a related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 14A

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953550-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_RealEstateLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=czfs_AgriculturalMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=czfs_ConstructionRealEstateLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_OtherAgriculturalLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_StateAndPoliticalSubdivisionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 19 R28.htm IDEA: XBRL DOCUMENT v3.3.0.814

Loans (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended

Sep. 30, 2015

Sep. 30, 2014

Sep. 30, 2015

Sep. 30, 2014

Sep. 30, 2015

Dec. 31, 2014

Segments of loan portfolio and allowance for loan losses [Abstract]

Total Loans $ 583,009 $ 554,105

Allowance for loan losses 7,045 6,815

Net loans 575,964 547,290

Individually evaluated for impairment 8,150 8,822

Collectively evaluated for impairment 574,859 545,283

Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]

Individually evaluated for impairment 196 98

Collectively evaluated for impairment 6,849 6,717

Total $ 7,045 $ 6,751 $ 7,045 $ 7,098 7,045 6,815

Financing Receivable, Allowance for Credit Losses [Roll Forward]

Balance at beginning of period 6,959 6,751 6,815 7,098

Charge-offs (51) (95) (166) (792)

Recoveries 17 10 36 30

Provision 120 150 360 480

Balance at end of period 7,045 6,816 $ 7,045 6,816

Minimum [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Number of days past for loan to be considered impaired, Minimum 90 days

First Mortgage [Member] | Minimum [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Period of mortgage on real estate 15 years

First Mortgage [Member] | Maximum [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Period of mortgage on real estate 30 years

Second Mortgage [Member] | Maximum [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Period of mortgage on real estate 15 years

Residential Real Estate Loans [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Total Loans 178,280 185,438

Individually evaluated for impairment 330 316

Collectively evaluated for impairment 177,950 185,122

Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]

Individually evaluated for impairment 39 25

Collectively evaluated for impairment 874 853

Total 913 879 $ 913 946 913 878

Financing Receivable, Allowance for Credit Losses [Roll Forward]

Balance at beginning of period 931 879 878 946

Charge-offs 0 0 (34) (45)

Recoveries 0 0 0 0

Provision (18) 7 69 (15)

Balance at end of period 913 886 913 886

Commercial and Agricultural Real Estate Loans [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Total Loans 233,931 215,584

Individually evaluated for impairment 5,583 6,112

Collectively evaluated for impairment 228,348 209,472

Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]

Individually evaluated for impairment 34 72

Collectively evaluated for impairment 3,769 3,798

Total 3,803 3,809 3,803 4,558 3,803 3,870

Financing Receivable, Allowance for Credit Losses [Roll Forward]

Balance at beginning of period 3,679 3,809 3,870 4,558

Charge-offs 0 (11) (56) (486)

Recoveries 4 4 11 9

Provision 120 (99) (22) (378)

Balance at end of period 3,803 3,703 3,803 3,703

Construction Real Estate Loans [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Total Loans 10,159 6,353

Individually evaluated for impairment 0 0

Collectively evaluated for impairment 10,159 6,353

Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]

Individually evaluated for impairment 0 0

Collectively evaluated for impairment 17 26

Total 17 13 26 50 17 26

Financing Receivable, Allowance for Credit Losses [Roll Forward]

Balance at beginning of period 14 13 26 50

Charge-offs 0 0 0 0

Recoveries 0 0 0 0

Provision 3 10 (9) (27)

Balance at end of period 17 23 17 23

Consumer [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Total Loans 8,473 8,497

Individually evaluated for impairment 0 0

Collectively evaluated for impairment 8,473 8,497

Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]

Individually evaluated for impairment 0 0

Collectively evaluated for impairment 91 84

Total 91 86 91 105 91 84

Financing Receivable, Allowance for Credit Losses [Roll Forward]

Balance at beginning of period 89 86 84 105

Charge-offs (11) (26) (35) (40)

Recoveries 13 6 25 21

Provision 0 20 17 0

Balance at end of period 91 86 91 86

Other Commercial and Agricultural Loans [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Total Loans 64,712 58,516

Individually evaluated for impairment 2,237 2,394

Collectively evaluated for impairment 62,475 56,122

Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]

Individually evaluated for impairment 123 1

Collectively evaluated for impairment 1,322 1,223

Total 1,445 1,151 1,445 942 1,445 1,224

Financing Receivable, Allowance for Credit Losses [Roll Forward]

Balance at beginning of period 1,502 1,151 1,224 942

Charge-offs (40) (58) (41) (221)

Recoveries 0 0 0 0

Provision (17) 70 262 442

Balance at end of period 1,445 1,163 1,445 1,163

State and Political Subdivision Loans [Member]

Segments of loan portfolio and allowance for loan losses [Abstract]

Total Loans 87,454 79,717

Individually evaluated for impairment 0 0

Collectively evaluated for impairment 87,454 79,717

Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]

Individually evaluated for impairment 0 0

Collectively evaluated for impairment 586 545

Total 586 455 545 330 586 545

Financing Receivable, Allowance for Credit Losses [Roll Forward]

Balance at beginning of period 568 455 545 330

Charge-offs 0 0 0 0

Recoveries 0 0 0 0

Provision 18 (5) 41 120

Balance at end of period 586 450 586 450

Unallocated [Member]

Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]

Individually evaluated for impairment 0 0

Collectively evaluated for impairment 190 188

Total 190 358 190 167 $ 190 $ 188

Financing Receivable, Allowance for Credit Losses [Roll Forward]

Balance at beginning of period 176 358 188 167

Charge-offs 0 0 0 0

Recoveries 0 0 0 0

Provision 14 147 2 338

Balance at end of period $ 190 $ 505 $ 190 $ 505

X

- Definition
The maximum number of days past due before a loan is classified as impaired.
+ References
No definition available.
+ Details

Name: czfs_NumberOfDaysPastDueForLoanToBeConsideredImpairedMaximum

Namespace Prefix: czfs_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
Refers to period of mortgage on residential real estate.
+ References
No definition available.
+ Details

Name: czfs_PeriodOfMortgageOnRealEstate

Namespace Prefix: czfs_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: czfs_SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract

Namespace Prefix: czfs_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
A valuation allowance for financing receivables that are expected to be uncollectible.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of recovery of financing receivables doubtful of collection that were previously charged off.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(4)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.
+ References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of direct write-downs of financing receivables charged against the allowance.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(3)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The balance of financing receivables that were collectively evaluated for impairment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (h)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name: us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The balance of financing receivables that were individually evaluated for impairment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (h)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name: us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(d))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 30

-Section 50

-Paragraph 2

-Subparagraph (b)(1)(ii)

-URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section L

-Subsection 1

+ Details

Name: us-gaap_LoansAndLeasesReceivableAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
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.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

+ Details

Name: us-gaap_LoansAndLeasesReceivableGrossCarryingAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_LoansAndLeasesReceivableNetReportedAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.11)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

+ Details

Name: us-gaap_ProvisionForLoanLeaseAndOtherLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Details

Name: us-gaap_RangeAxis=us-gaap_MinimumMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MortgageLoansOnRealEstateDescriptionLoanCategoryAxis=us-gaap_FirstMortgageMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_RangeAxis=us-gaap_MaximumMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MortgageLoansOnRealEstateDescriptionLoanCategoryAxis=us-gaap_SecondMortgageMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_ResidentialRealEstateLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_CommercialAndAgriculturalRealEstateLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_ConstructionRealEstateLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_CommercialOtherLoansAndOtherAgriculturalLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_StateAndPoliticalSubdivisionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_UnallocatedFinancingReceivablesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 20 R30.htm IDEA: XBRL DOCUMENT v3.3.0.814

Loans, Credit Quality Indicator (Details) - USD ($)
9 Months Ended

Sep. 30, 2015

Dec. 31, 2014

Financing Receivable by credit exposure [Abstract]

Total $ 186,753,000 $ 193,935,000

Minimum [Member]

Financing Receivable, Recorded Investment [Line Items]

Percentage of dollar volume of commercial loan portfolio to be reviewed 55.00%

Amount over which all new loans to be reviewed, minimum $ 1,000,000

Amount over which all relationships to be reviewed, minimum 1,000,000

Amount which is 30 days past due to be reviewed for all aggregate loan relationships 750,000

Real Estate Loans [Member] | Commercial [Member]

Financing Receivable by credit exposure [Abstract]

Total 197,775,000 190,945,000

Real Estate Loans [Member] | Agricultural [Member]

Financing Receivable by credit exposure [Abstract]

Total 36,156,000 24,639,000

Real Estate Loans [Member] | Construction [Member]

Financing Receivable by credit exposure [Abstract]

Total 10,159,000 6,353,000

Real Estate Loans [Member] | Mortgages [Member]

Financing Receivable by credit exposure [Abstract]

Total 118,395,000 122,858,000

Real Estate Loans [Member] | Home Equity [Member]

Financing Receivable by credit exposure [Abstract]

Total 59,885,000 62,580,000

Consumer [Member]

Financing Receivable by credit exposure [Abstract]

Total 8,473,000 8,497,000

Other Commercial Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 52,195,000 47,451,000

Other Agricultural Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 12,517,000 11,065,000

State and Political Subdivision Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 87,454,000 79,717,000

Pass [Member]

Financing Receivable by credit exposure [Abstract]

Total 369,400,000 324,932,000

Pass [Member] | Real Estate Loans [Member] | Commercial [Member]

Financing Receivable by credit exposure [Abstract]

Total 181,306,000 169,383,000

Pass [Member] | Real Estate Loans [Member] | Agricultural [Member]

Financing Receivable by credit exposure [Abstract]

Total 32,326,000 19,575,000

Pass [Member] | Real Estate Loans [Member] | Construction [Member]

Financing Receivable by credit exposure [Abstract]

Total 10,123,000 6,353,000

Pass [Member] | Other Commercial Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 46,435,000 40,683,000

Pass [Member] | Other Agricultural Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 11,756,000 9,221,000

Pass [Member] | State and Political Subdivision Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 87,454,000 79,717,000

Special Mention [Member]

Financing Receivable by credit exposure [Abstract]

Total 8,326,000 17,482,000

Special Mention [Member] | Real Estate Loans [Member] | Commercial [Member]

Financing Receivable by credit exposure [Abstract]

Total 3,860,000 8,948,000

Special Mention [Member] | Real Estate Loans [Member] | Agricultural [Member]

Financing Receivable by credit exposure [Abstract]

Total 3,302,000 3,394,000

Special Mention [Member] | Real Estate Loans [Member] | Construction [Member]

Financing Receivable by credit exposure [Abstract]

Total 36,000 0

Special Mention [Member] | Other Commercial Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 480,000 4,413,000

Special Mention [Member] | Other Agricultural Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 648,000 727,000

Special Mention [Member] | State and Political Subdivision Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Substandard [Member]

Financing Receivable by credit exposure [Abstract]

Total 18,356,000 17,756,000

Substandard [Member] | Real Estate Loans [Member] | Commercial [Member]

Financing Receivable by credit exposure [Abstract]

Total 12,575,000 12,614,000

Substandard [Member] | Real Estate Loans [Member] | Agricultural [Member]

Financing Receivable by credit exposure [Abstract]

Total 528,000 1,670,000

Substandard [Member] | Real Estate Loans [Member] | Construction [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Substandard [Member] | Other Commercial Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 5,140,000 2,355,000

Substandard [Member] | Other Agricultural Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 113,000 1,117,000

Substandard [Member] | State and Political Subdivision Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Doubtful [Member]

Financing Receivable by credit exposure [Abstract]

Total 174,000 0

Doubtful [Member] | Real Estate Loans [Member] | Commercial [Member]

Financing Receivable by credit exposure [Abstract]

Total 34,000 0

Doubtful [Member] | Real Estate Loans [Member] | Agricultural [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Doubtful [Member] | Real Estate Loans [Member] | Construction [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Doubtful [Member] | Other Commercial Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 140,000 0

Doubtful [Member] | Other Agricultural Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Doubtful [Member] | State and Political Subdivision Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Loss [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Loss [Member] | Real Estate Loans [Member] | Commercial [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Loss [Member] | Real Estate Loans [Member] | Agricultural [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Loss [Member] | Real Estate Loans [Member] | Construction [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Loss [Member] | Other Commercial Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Loss [Member] | Other Agricultural Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Loss [Member] | State and Political Subdivision Loans [Member]

Financing Receivable by credit exposure [Abstract]

Total 0 0

Internally Assigned Grade [Member]

Financing Receivable by credit exposure [Abstract]

Total 396,256,000 360,170,000

Performing [Member]

Financing Receivable by credit exposure [Abstract]

Total 185,498,000 192,708,000

Performing [Member] | Real Estate Loans [Member] | Mortgages [Member]

Financing Receivable by credit exposure [Abstract]

Total 117,363,000 121,968,000

Performing [Member] | Real Estate Loans [Member] | Home Equity [Member]

Financing Receivable by credit exposure [Abstract]

Total 59,714,000 62,296,000

Performing [Member] | Consumer [Member]

Financing Receivable by credit exposure [Abstract]

Total 8,421,000 8,444,000

Nonperforming [Member]

Financing Receivable by credit exposure [Abstract]

Total 1,255,000 1,227,000

Nonperforming [Member] | Real Estate Loans [Member] | Mortgages [Member]

Financing Receivable by credit exposure [Abstract]

Total 1,032,000 890,000

Nonperforming [Member] | Real Estate Loans [Member] | Home Equity [Member]

Financing Receivable by credit exposure [Abstract]

Total 171,000 284,000

Nonperforming [Member] | Consumer [Member]

Financing Receivable by credit exposure [Abstract]

Total $ 52,000 $ 53,000

X

- Definition
Represents amount over which all new loans to be reviewed for all internal and external loan on aggregate basis to ensure the appropriateness of the loan grade.
+ References
No definition available.
+ Details

Name: czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents amount over which all relationships to be reviewed for all internal and external loan on aggregate basis to ensure the appropriateness of the loan grade.
+ References
No definition available.
+ Details

Name: czfs_AmountOverWhichAllRelationshipToBeReviewed

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents amount to be reviewed for all internal and external loan all aggregate loan relationships which are over 30 days past due to ensure the appropriateness of the loan grade.
+ References
No definition available.
+ Details

Name: czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: czfs_FinancingReceivableByCreditExposureAbstract

Namespace Prefix: czfs_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Refers to percentage of dollar volume of commercial loan portfolio to be reviewed on annual basis .
+ References
No definition available.
+ Details

Name: czfs_PercentageOfCommercialLoanPortfolioToBeReviewed

Namespace Prefix: czfs_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Net amount of the investment in a contractual right to receive money on demand or on fixed or determinable dates that is recognized as an asset in the creditor's statement of financial position. Examples include, but are not limited to, credit card receivables, notes receivable and receivables relating to lessor's rights to payments from leases other than operating leases that have been recorded as assets. Excludes trade accounts receivable with contractual maturity of one year or less and arose from the sale of goods or services.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.3)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_NotesReceivableNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_RangeAxis=us-gaap_MinimumMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_RealEstateLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=czfs_AgriculturalMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_OtherAgriculturalLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_StateAndPoliticalSubdivisionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=czfs_LossMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=czfs_InternallyAssignedGrade1Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 21 R31.htm IDEA: XBRL DOCUMENT v3.3.0.814

Loans, Past Due (Details) - USD ($)
$ in Thousands
9 Months Ended

Sep. 30, 2015

Dec. 31, 2014

Recorded investment of past due [Abstract]

Total Past Due $ 8,268 $ 5,151

Current 574,741 548,954

Total Loans 583,009 554,105

90 Days or Greater and Accruing 668 836

Financing receivables on nonaccrual status [Abstract]

Total Past Due And Non-accrual 5,594 2,243

Current And Non-accrual 725 4,356

Financing receivable nonaccrual status 6,319 6,599

Financing receivables on accrual status [Abstract]

Total Past Due And Still Accruing 2,674 2,908

Current And Still Accruing 574,016 544,598

Total Financing Receivables And Still Accruing $ 576,690 547,506

Minimum [Member]

Financing receivables on nonaccrual status [Abstract]

Period of past due after which loans considered as non accrual 90 days

30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due $ 1,848 1,479

Financing receivables on nonaccrual status [Abstract]

Total Past Due And Non-accrual 319 48

Financing receivables on accrual status [Abstract]

Total Past Due And Still Accruing 1,529 1,431

60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 681 822

Financing receivables on nonaccrual status [Abstract]

Total Past Due And Non-accrual 204 181

Financing receivables on accrual status [Abstract]

Total Past Due And Still Accruing 477 641

90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 5,739 2,850

Financing receivables on nonaccrual status [Abstract]

Total Past Due And Non-accrual 5,071 2,014

Financing receivables on accrual status [Abstract]

Total Past Due And Still Accruing 668 836

Real Estate Loans [Member] | Mortgages [Member]

Recorded investment of past due [Abstract]

Total Past Due 1,184 1,223

Current 117,211 121,635

Total Loans 118,395 122,858

90 Days or Greater and Accruing 303 214

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 729 676

Real Estate Loans [Member] | Mortgages [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 388 318

Real Estate Loans [Member] | Mortgages [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 133 230

Real Estate Loans [Member] | Mortgages [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 663 675

Real Estate Loans [Member] | Home Equity [Member]

Recorded investment of past due [Abstract]

Total Past Due 700 801

Current 59,185 61,779

Total Loans 59,885 62,580

90 Days or Greater and Accruing 106 132

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 65 152

Real Estate Loans [Member] | Home Equity [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 521 442

Real Estate Loans [Member] | Home Equity [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 21 99

Real Estate Loans [Member] | Home Equity [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 158 260

Real Estate Loans [Member] | Commercial [Member]

Recorded investment of past due [Abstract]

Total Past Due 4,570 1,760

Current 193,205 189,185

Total Loans 197,775 190,945

90 Days or Greater and Accruing 60 310

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 4,441 5,010

Real Estate Loans [Member] | Commercial [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 302 97

Real Estate Loans [Member] | Commercial [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 130 231

Real Estate Loans [Member] | Commercial [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 4,138 1,432

Real Estate Loans [Member] | Agricultural [Member]

Recorded investment of past due [Abstract]

Total Past Due 208 0

Current 35,948 24,639

Total Loans 36,156 24,639

90 Days or Greater and Accruing 0 0

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 0 0

Real Estate Loans [Member] | Agricultural [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 38 0

Real Estate Loans [Member] | Agricultural [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 170 0

Real Estate Loans [Member] | Agricultural [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

Real Estate Loans [Member] | Construction [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

Current 10,159 6,353

Total Loans 10,159 6,353

90 Days or Greater and Accruing 0 0

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 0 0

Real Estate Loans [Member] | Construction [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

Real Estate Loans [Member] | Construction [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

Real Estate Loans [Member] | Construction [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

Consumer [Member]

Recorded investment of past due [Abstract]

Total Past Due 94 130

Current 8,379 8,367

Total Loans 8,473 8,497

90 Days or Greater and Accruing 0 6

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 52 47

Consumer [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 41 119

Consumer [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 29 4

Consumer [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 24 7

Other Commercial Loans [Member]

Recorded investment of past due [Abstract]

Total Past Due 1,314 1,237

Current 50,881 46,214

Total Loans 52,195 47,451

90 Days or Greater and Accruing 199 174

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 1,032 714

Other Commercial Loans [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 528 503

Other Commercial Loans [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 30 258

Other Commercial Loans [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 756 476

Other Agricultural Loans [Member]

Recorded investment of past due [Abstract]

Total Past Due 198 0

Current 12,319 11,065

Total Loans 12,517 11,065

90 Days or Greater and Accruing 0 0

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 0 0

Other Agricultural Loans [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 30 0

Other Agricultural Loans [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 168 0

Other Agricultural Loans [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

State and Political Subdivision Loans [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

Current 87,454 79,717

Total Loans 87,454 79,717

90 Days or Greater and Accruing 0 0

Financing receivables on nonaccrual status [Abstract]

Financing receivable nonaccrual status 0 0

State and Political Subdivision Loans [Member] | 30 to 59 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

State and Political Subdivision Loans [Member] | 60 to 89 Days Past Due [Member]

Recorded investment of past due [Abstract]

Total Past Due 0 0

State and Political Subdivision Loans [Member] | 90 Days Or Greater [Member]

Recorded investment of past due [Abstract]

Total Past Due $ 0 $ 0

X

- Definition
Recorded investment in financing receivables that are current and non accrual.
+ References
No definition available.
+ Details

Name: czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Recorded investment in financing receivables that are current and still accruing.
+ References
No definition available.
+ Details

Name: czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Recorded investment in financing receivables total that are still accruing.
+ References
No definition available.
+ Details

Name: czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Recorded investment in financing receivables that are past due and non accrual.
+ References
No definition available.
+ Details

Name: czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Recorded investment in financing receivables that are past due and still accruing.
+ References
No definition available.
+ Details

Name: czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: czfs_FinancingReceivablesOnAccrualStatusAbstract

Namespace Prefix: czfs_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: czfs_FinancingReceivablesOnNonaccrualStatusAbstract

Namespace Prefix: czfs_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Refers to period of past due after which loans are considered as non accrual.
+ References
No definition available.
+ Details

Name: czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual

Namespace Prefix: czfs_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
Recorded investment in financing receivables that are 90 days or more past due and still accruing.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5111-111524

+ Details

Name: us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Financing receivables that are current.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953401-111524

+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentCurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Recorded investment in financing receivables that are on nonaccrual status as of the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5111-111524

+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Recorded Investment in financing receivables that are past due at the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953401-111524

+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentPastDue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
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.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

+ Details

Name: us-gaap_LoansAndLeasesReceivableGrossCarryingAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_RangeAxis=us-gaap_MinimumMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables30To59DaysPastDueMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables60To89DaysPastDueMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_RealEstateLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=czfs_AgriculturalMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_OtherCommercialLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_OtherAgriculturalLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_StateAndPoliticalSubdivisionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 22 R8.htm IDEA: XBRL DOCUMENT v3.3.0.814

Earnings per Share
9 Months Ended

Sep. 30, 2015

Earnings per Share [Abstract]

Earnings per Share
Note 2 - Earnings per Share

The following table sets forth the computation of earnings per share.  Earnings per share calculations give retroactive effect to stock dividends declared by the Company.

Three months ended
Nine months ended

September30,
September30,

2015
2014
2015
2014
Net income applicable to common stock
$2,857,000
$3,368,000
$9,166,000
$9,909,000

Basic earnings per share computation

Weighted average common shares outstanding
   3,011,687
   3,035,214
     3,019,202
   3,038,973
Earnings per share - basic
$0.95
$1.11
$3.04
$3.26

Diluted earnings per share computation

Weighted average common shares outstanding for basic earnings per share
   3,011,687
   3,035,214
     3,019,202
   3,038,973
Add: Dilutive effects of restricted stock
          1,464
          1,486
            1,468
          1,427
Weighted average common shares outstanding for dilutive earnings per share
   3,013,151
   3,036,700
     3,020,670
   3,040,400
Earnings per share - diluted
$0.95
$1.11
$3.03
$3.26

For the three months ended September 30, 2015 and 2014, there were 2,696 and 1,938 shares, respectively, related to the restricted stock plan that were excluded from the diluted earnings per share calculations since they were anti-dilutive. These anti-dilutive shares had prices ranging from $44.50-$53.15 for the three month period ended September 30, 2015 and prices ranging from $34.70-$50.50 for the three month period ended September 30, 2014. For the nine months ended September 30, 2015 and 2014, 2,696 and 2,913 shares, respectively, related to the restricted stock plan were excluded from the diluted earnings per share calculations since they were anti-dilutive. These anti-dilutive shares had prices ranging from $44.50-$53.15 for the nine month period ended September 30, 2015 and prices ranging from $34.70-$50.50 for the nine month period ended September 30, 2014.

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for earnings per share.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1278-109256

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 55

-Paragraph 52

-URI http://asc.fasb.org/extlink&oid=32703322&loc=d3e4984-109258

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

+ Details

Name: us-gaap_EarningsPerShareTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 23 R32.htm IDEA: XBRL DOCUMENT v3.3.0.814

Loans, Trouble Debt Restructuring (Details)
3 Months Ended 9 Months Ended

Sep. 30, 2015

USD ($)

Contract

Sep. 30, 2014

USD ($)

Contract

Sep. 30, 2015

USD ($)

Contract

Sep. 30, 2014

USD ($)

Contract

Dec. 31, 2014

USD ($)

Loans [Abstract]

Reserves of allowance for loan losses $ 39,000 $ 39,000 $ 26,000

Recidivism receivables [Abstract]

Total recidivism, Number of contracts | Contract 0 0 0 1

Total recidivism, Recorded investment $ 0 $ 0 $ 0 $ 483,000

Foreclosed assets held for sale [Abstract]

Foreclosed assets held for sale $ 1,429,000 $ 1,429,000 $ 1,792,000

Interest Modification [Member]

Financing receivable modifications [Abstract]

Number of contracts | Contract 1 0

Pre-modification Outstanding Recorded Investment $ 71,000 $ 0

Post-Modification Outstanding Recorded Investment $ 71,000 $ 0

Term Modification [Member]

Financing receivable modifications [Abstract]

Number of contracts | Contract 1 2

Pre-modification Outstanding Recorded Investment $ 19,000 $ 153,000

Post-Modification Outstanding Recorded Investment $ 19,000 $ 153,000

Real Estate Loans [Member] | Mortgages [Member] | Interest Modification [Member]

Financing receivable modifications [Abstract]

Number of contracts | Contract 1

Pre-modification Outstanding Recorded Investment $ 71,000

Post-Modification Outstanding Recorded Investment $ 71,000

Real Estate Loans [Member] | Mortgages [Member] | Term Modification [Member]

Financing receivable modifications [Abstract]

Number of contracts | Contract 1

Pre-modification Outstanding Recorded Investment $ 19,000

Post-Modification Outstanding Recorded Investment $ 19,000

Real Estate Loans [Member] | Commercial [Member]

Recidivism receivables [Abstract]

Total recidivism, Number of contracts | Contract 0 0 0 1

Total recidivism, Recorded investment $ 0 $ 0 $ 0 $ 483,000

Real Estate Loans [Member] | Commercial [Member] | Interest Modification [Member]

Financing receivable modifications [Abstract]

Number of contracts | Contract 0

Pre-modification Outstanding Recorded Investment $ 0

Post-Modification Outstanding Recorded Investment $ 0

Real Estate Loans [Member] | Commercial [Member] | Term Modification [Member]

Financing receivable modifications [Abstract]

Number of contracts | Contract 2

Pre-modification Outstanding Recorded Investment $ 153,000

Post-Modification Outstanding Recorded Investment $ 153,000

Consumer Residential Mortgages [Member]

Foreclosed assets held for sale [Abstract]

Foreclosed assets held for sale 305,000 305,000

Formal foreclosure proceedings on potential foreclosure assets $ 1,256,000 $ 1,256,000

X

- References
No definition available.
+ Details

Name: czfs_FinancingReceivableModificationsAbstract

Namespace Prefix: czfs_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Carrying amount as of the balance sheet date of pending formal foreclosure proceedings on potential foreclosure assets.
+ References
No definition available.
+ Details

Name: czfs_OtherRealEstateFormalForeclosureProceedingsForeclosedAssetsPending

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: czfs_SubsequentDefaultAbstract

Namespace Prefix: czfs_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of allowance for credit losses related to recorded investment in financing receivable categorized as troubled debt restructuring.
+ References
No definition available.
+ Details

Name: czfs_TroubledDebtFinancingReceivableRelatedAllowance

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Number of financing receivables that have been modified by troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953676-111524

+ Details

Name: us-gaap_FinancingReceivableModificationsNumberOfContracts2

Namespace Prefix: us-gaap_

Data Type: xbrli:integerItemType

Balance Type: na

Period Type: duration

X

- Definition
Post-modification amount of investment in financing receivables modified by troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953676-111524

+ Details

Name: us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Pre-modification amount of investment in financing receivables modified by troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953676-111524

+ Details

Name: us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Number of financing receivables that have been modified by troubled debt restructurings within the previous 12 months and for which there was a payment default.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 34

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953682-111524

+ Details

Name: us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1

Namespace Prefix: us-gaap_

Data Type: xbrli:integerItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of investment related to financing receivables modified by troubled debt restructurings within the previous 12 months, for which there was a payment default.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 34

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953682-111524

+ Details

Name: us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Carrying amount as of the balance sheet date of other real estate and foreclosed assets. Other real estate may include real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. Foreclosed assets include all assets obtained in full or partial satisfaction of a debt arrangement through foreclosure proceedings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.10(4))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_OtherRealEstateAndForeclosedAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_OtherRealEstateAndForeclosedAssetsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_ReceivablesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_LoanRestructuringModificationAxis=czfs_InterestModificationMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_LoanRestructuringModificationAxis=czfs_TermModificationMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_RealEstateLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=czfs_ConsumerResidentialMortgagesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 24 R40.htm IDEA: XBRL DOCUMENT v3.3.0.814

Fair Value Measurements, By Balance Sheet Grouping (Details) - USD ($)
$ in Thousands
9 Months Ended

Sep. 30, 2015

Dec. 31, 2014

Financial assets [Abstract]

Available-for-sale securities $ 300,630 $ 306,146

Financial liabilities [Abstract]

Consideration period for recognition of cash and due from banks 90 days

Consideration period for recognition of accrued interest receivable and payable 90 days

Level I [Member]

Financial assets [Abstract]

Cash and due from banks $ 10,314 11,423

Interest bearing time deposits with other banks 0 0

Available-for-sale securities 1,757 1,690

Loans held for sale 1,248 497

Net loans 0 0

Bank owned life insurance 20,773 20,309

Regulatory stock 1,983 2,035

Accrued interest receivable 3,566 3,644

Financial liabilities [Abstract]

Deposits 550,646 525,166

Borrowed funds 12,882 16,593

Accrued interest payable 693 756

Level II [Member]

Financial assets [Abstract]

Cash and due from banks 0 0

Interest bearing time deposits with other banks 0 0

Available-for-sale securities 298,873 304,456

Net loans 0 0

Bank owned life insurance 0 0

Regulatory stock 0 0

Accrued interest receivable 0 0

Financial liabilities [Abstract]

Deposits 0 0

Borrowed funds 0 0

Accrued interest payable 0 0

Level III [Member]

Financial assets [Abstract]

Cash and due from banks 0 0

Interest bearing time deposits with other banks 6,465 5,969

Available-for-sale securities 0

Net loans 605,361 564,944

Bank owned life insurance 0 0

Regulatory stock 0 0

Accrued interest receivable 0 0

Financial liabilities [Abstract]

Deposits 248,380 249,221

Borrowed funds 29,096 21,626

Accrued interest payable 0 0

Carrying Amount [Member]

Financial assets [Abstract]

Cash and due from banks 10,314 11,423

Interest bearing time deposits with other banks 6,460 5,960

Available-for-sale securities 300,630 306,146

Loans held for sale 1,248 497

Net loans 575,964 547,290

Bank owned life insurance 20,773 20,309

Regulatory stock 1,983 2,035

Accrued interest receivable 3,566 3,644

Financial liabilities [Abstract]

Deposits 797,848 773,933

Borrowed funds 44,657 41,799

Accrued interest payable 693 756

Fair Value [Member]

Financial assets [Abstract]

Cash and due from banks 10,314 11,423

Interest bearing time deposits with other banks 6,465 5,969

Available-for-sale securities 300,630 306,146

Loans held for sale 1,248 497

Net loans 605,361 564,944

Bank owned life insurance 20,773 20,309

Regulatory stock 1,983 2,035

Accrued interest receivable 3,566 3,644

Financial liabilities [Abstract]

Deposits 799,026 774,387

Borrowed funds 41,978 38,219

Accrued interest payable $ 693 $ 756

X

- Definition
Fair value of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.
+ References
No definition available.
+ Details

Name: czfs_BankOwnedLifeInsuranceFairValueDisclosure

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Refers to consideration period for recognition of accrued interest receivable and payable.
+ References
No definition available.
+ Details

Name: czfs_ConsiderationPeriodForRecognitionOfAccruedInterestReceivableAndPayable

Namespace Prefix: czfs_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
Refers to consideration period for recognition of cash and due from banks.
+ References
No definition available.
+ Details

Name: czfs_ConsiderationPeriodForRecognitionOfCashAndDueFromBanks

Namespace Prefix: czfs_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure. This item represents the aggregate of all deposit held by other banks, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, negotiable orders of withdrawal (NOW) and time deposits among others.
+ References
No definition available.
+ Details

Name: czfs_DepositsWithOtherBanksFairValueDisclosure

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable.
+ References
No definition available.
+ Details

Name: czfs_InterestReceivableFairValueDisclosure

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The fair value of regulatory stock approximates fair value based on applicable redemption provisions.
+ References
No definition available.
+ Details

Name: czfs_RegulatoryStockFairValueDisclosure

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of accrued expenses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.20)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_AccruedLiabilitiesFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=51813488&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=49167202&loc=d3e26610-111562

+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

+ Details

Name: us-gaap_CashAndCashEquivalentsFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of debt instrument payable, including, but not limited to, notes payable and loans payable.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 10

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13433-108611

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13476-108611

+ Details

Name: us-gaap_DebtInstrumentFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Fair value portion of deposit liabilities held by the entity, including, but not limited to, foreign and domestic, interest and noninterest bearing, demand deposits, saving deposits, negotiable orders of withdrawal (NOW) and time deposits.
+ References
No definition available.
+ Details

Name: us-gaap_DepositsFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.
+ References
No definition available.
+ Details

Name: us-gaap_LoansHeldForSaleFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Glossary Loan

-URI http://asc.fasb.org/extlink&oid=6517073

+ Details

Name: us-gaap_LoansReceivableFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 25 R2.htm IDEA: XBRL DOCUMENT v3.3.0.814

CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($)
$ in Thousands

Sep. 30, 2015

Dec. 31, 2014

Cash and due from banks:

Noninterest-bearing $ 9,437 $ 10,091

Interest-bearing 877 1,332

Total cash and cash equivalents 10,314 11,423

Interest bearing time deposits with other banks 6,460 5,960

Available-for-sale securities 300,630 306,146

Loans held for sale 1,248 497

Loans (net of allowance for loan losses: 2015, $7,045 and 2014, $6,815) 575,964 547,290

Premises and equipment 12,544 12,357

Accrued interest receivable 3,566 3,644

Goodwill 10,256 10,256

Bank owned life insurance 20,773 20,309

Other assets 12,222 7,166

TOTAL ASSETS 953,977 925,048

Deposits:

Noninterest-bearing 106,957 95,526

Interest-bearing 690,891 678,407

Total deposits 797,848 773,933

Borrowed funds 44,657 41,799

Accrued interest payable 693 756

Other liabilities 6,875 8,032

TOTAL LIABILITIES 850,073 824,520

STOCKHOLDERS' EQUITY:

Preferred Stock $1.00 par value; authorized 3,000,000 shares September 30, 2015 and December 31, 2014; none issued in 2015 or 2014 0 0

Common stock $1.00 par value; authorized 15,000,000 shares; issued 3,335,236 at September 30, 2015 and December 31, 2014; 3,335 3,335

Additional paid-in capital 25,131 25,150

Retained earnings 84,698 79,512

Accumulated other comprehensive income 842 767

Treasury stock, at cost: 334,165 shares at September 30, 2015 and 296,280 shares at December 31, 2014 (10,102) (8,236)

TOTAL STOCKHOLDERS' EQUITY 103,904 100,528

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 953,977 $ 925,048

X

- Definition
Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e681-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669686-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 31

-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Value received from shareholders in common stock-related transactions that are in excess of par value or stated value and amounts received from other stock-related transactions. Includes only common stock transactions (excludes preferred stock transactions). May be called contributed capital, capital in excess of par, capital surplus, or paid-in capital.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.30(a)(1))

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 31

-Article 5

+ Details

Name: us-gaap_AdditionalPaidInCapitalCommonStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.18)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 12

-Article 7

+ Details

Name: us-gaap_Assets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=51813488&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=49167202&loc=d3e26610-111562

+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The carrying amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.10)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_BankOwnedLifeInsurance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_CashAndCashEquivalentsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section 45

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6676-107765

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3044-108585

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_CashAndCashEquivalentsAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.1)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 1, 2, 3

-Article 9

+ Details

Name: us-gaap_CashAndDueFromBanks

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
A savings certificate entitling the Entity (that is, bearer) to receive interest at an established maturity date, based upon a fixed interest rate. A certificate of deposit may be issued in any denomination. Certificates of deposit are generally issued by commercial banks and, therefore, insured by the FDIC (up to the prescribed limit). Certificates of deposit generally restrict holders from withdrawing funds on demand without the incurrence of penalties. Generally, only certificates of deposit with original maturities of three months or less qualify as cash equivalents. Original maturity means original maturity to the entity holding the investment. As a related example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three-years ago does not become a cash equivalent when its remaining maturity is three months.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_CertificatesOfDepositAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Sum of the carrying values as of the balance sheet date of all debt, including all short-term borrowings, long-term debt, and capital lease obligations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.13,16)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.16)

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

+ Details

Name: us-gaap_DebtAndCapitalLeaseObligations

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_Deposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_DepositsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 350

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=35741047&loc=d3e13816-109267

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 350

-SubTopic 20

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6388280&loc=d3e13770-109266

+ Details

Name: us-gaap_Goodwill

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The aggregate of all domestic and foreign interest-bearing deposit liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_InterestBearingDepositLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
For banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.2)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section 45

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=6476743&loc=d3e59706-112781

+ Details

Name: us-gaap_InterestBearingDepositsInBanks

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of interest payable on debt, including, but not limited to, trade payables.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.15(5))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.15(a))

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

+ Details

Name: us-gaap_InterestPayableCurrentAndNoncurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.8)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_InterestReceivable

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.19-26)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_Liabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.32)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 25

-Article 7

+ Details

Name: us-gaap_LiabilitiesAndStockholdersEquity

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_LoansAndLeasesReceivableNetReportedAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The face amount of loans that will be sold to other entities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

+ Details

Name: us-gaap_LoansReceivableHeldForSaleAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_NoninterestBearingDepositLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.17)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 10

-Article 7

+ Details

Name: us-gaap_OtherAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.15)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Name: us-gaap_OtherLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.3-04)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29

-Article 5

+ Details

Name: us-gaap_PreferredStockValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.13)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 360

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 13

-Subparagraph a

-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 8

-Article 7

+ Details

Name: us-gaap_PropertyPlantAndEquipmentNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The cumulative amount of the reporting entity's undistributed earnings or deficit.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.31(a)(3))

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_RetainedEarningsAccumulatedDeficit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SAB TOPIC 4.E)

-URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74512-122707

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29-31)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 4

-Section E

+ Details

Name: us-gaap_StockholdersEquity

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_StockholdersEquityAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 30

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=6405834&loc=d3e23315-112656

+ Details

Name: us-gaap_TreasuryStockValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

XML 26 R6.htm IDEA: XBRL DOCUMENT v3.3.0.814

CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) - USD ($)
$ in Thousands
9 Months Ended

Sep. 30, 2015

Sep. 30, 2014

CASH FLOWS FROM OPERATING ACTIVITIES:

Net income $ 9,166 $ 9,909

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

Provision for loan losses 360 480

Depreciation and amortization 370 358

Amortization and accretion of investment securities 1,521 1,632

Deferred income taxes (39) 562

Investment securities gains, net (430) (488)

Earnings on bank owned life insurance (464) (366)

Originations of loans held for sale (13,510) (8,055)

Proceeds from sales of loans held for sale 12,942 7,690

Realized gains on loans sold (183) (110)

Decrease in accrued interest receivable 78 39

Decrease in accrued interest payable (63) (142)

Other, net (842) (222)

Net cash provided by operating activities 8,906 11,287

Available-for-sale securities:

Proceeds from sales 18,393 17,338

Proceeds from maturity and principal repayments 39,472 39,416

Purchase of securities (58,667) (44,769)

Purchase of interest bearing time deposits with other banks (500) (3,232)

Proceeds from redemption of regulatory stock 2,150 2,891

Purchase of regulatory stock (2,097) (1,895)

Net increase in loans (29,148) (4,680)

Purchase of premises and equipment (633) (555)

Proceeds from sale of foreclosed assets held for sale 340 647

Net cash (used) provide by investing activities (30,690) 5,161

CASH FLOWS FROM FINANCING ACTIVITIES:

Net increase in deposits 23,915 19,726

Proceeds from long-term borrowings 5,288 6,815

Repayments of long-term borrowings (700) (4,200)

Net increase in short-term borrowed funds (1,730) (31,818)

Purchase of treasury and restricted stock (2,315) (733)

Dividends paid (3,783) (4,998)

Net cash (used) provided by financing activities 20,675 (15,208)

Net (decrease) increase in cash and cash equivalents (1,109) 1,240

CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 11,423 10,083

CASH AND CASH EQUIVALENTS AT END OF PERIOD 10,314 11,323

Supplemental Disclosures of Cash Flow Information:

Interest paid 3,672 3,884

Income taxes paid 2,425 2,085

Loans transferred to foreclosed property 241 867

Premises and equipment transferred from other assets 0 549

Investments sold and not settled $ 5,187 $ 0

X

- Definition
Represents investments sold and not settled included in other assets.
+ References
No definition available.
+ Details

Name: czfs_InvestmentsPurchasedAndNotSettled

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Value of loans transferred in noncash transactions to foreclosed property during the reporting period.
+ References
No definition available.
+ Details

Name: czfs_LoansTransferredToForeclosedProperty

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Value of premises and equipment transferred from other assets.
+ References
No definition available.
+ Details

Name: czfs_PremisesAndEquipmentTransferredFromOtherAssets

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

+ Details

Name: us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_AvailableForSaleSecuritiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_BankOwnedLifeInsuranceIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section 45

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6676-107765

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3044-108585

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_CashAndCashEquivalentsAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 830

-SubTopic 230

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=49171198&loc=d3e33268-110906

+ Details

Name: us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Deferred Tax Expense (or Benefit)

-URI http://asc.fasb.org/extlink&oid=6510177

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SAB TOPIC 6.I.7)

-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section I

-Subsection 7

+ Details

Name: us-gaap_DeferredIncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The aggregate net amount of depreciation, amortization, and accretion recognized during an accounting period. As a noncash item, the net amount is added back to net income when calculating cash provided by or used in operations using the indirect method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

+ Details

Name: us-gaap_DepreciationAmortizationAndAccretionNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The gains (losses) included in earnings that represent the difference between the sale price and the carrying value of loans made to finance real estate acquisitions. This element refers to the gain (loss) and not to the cash proceeds of the sale. This element is a noncash adjustment to net income when calculating net cash generated by operating activities using the indirect method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

+ Details

Name: us-gaap_GainLossOnSaleOfMortgageLoans

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13(h))

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.3)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

+ Details

Name: us-gaap_GainLossOnSaleOfSecuritiesNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4297-108586

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 25

-Subparagraph (f)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3536-108585

+ Details

Name: us-gaap_IncomeTaxesPaid

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in the amount due from borrowers for interest payments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

+ Details

Name: us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 230

-Section 45

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6477933&loc=d3e60009-112784

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 8

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3095-108585

+ Details

Name: us-gaap_IncreaseDecreaseInDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in interest payable, which represents the amount owed to note holders, bond holders, and other parties for interest earned on loans or credit extended to the reporting entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

+ Details

Name: us-gaap_IncreaseDecreaseInInterestPayableNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of cash paid for interest during the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4297-108586

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 25

-Subparagraph (e)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3536-108585

+ Details

Name: us-gaap_InterestPaid

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) of financing activities, excluding discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 26

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3574-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3521-108585

+ Details

Name: us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) of investing activities, excluding discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 26

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3574-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3521-108585

+ Details

Name: us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) from operating activities, excluding discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 25

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3536-108585

+ Details

Name: us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

-URI http://asc.fasb.org/extlink&oid=51831255

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.18)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.22)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

-URI http://asc.fasb.org/extlink&oid=51831270

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 19

-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 20

-Article 9

+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Other cash or noncash adjustments to reconcile net income to cash provided by (used in) operating activities that are not separately disclosed in the statement of cash flows (for example, cash received or cash paid during the current period for miscellaneous operating activities, net change during the reporting period in other assets or other liabilities).
+ References
No definition available.
+ Details

Name: us-gaap_OtherOperatingActivitiesCashFlowStatement

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of cash paid for the origination of mortgages that are held for sale.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 25

-Subparagraph (g)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3536-108585

+ Details

Name: us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3213-108585

+ Details

Name: us-gaap_PaymentsForProceedsFromLoansAndLeases

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash outflow to reacquire common stock during the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 15

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3291-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

+ Details

Name: us-gaap_PaymentsForRepurchaseOfCommonStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of cash outflow in the form of ordinary dividends to common shareholders of the parent entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 15

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3291-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

+ Details

Name: us-gaap_PaymentsOfDividendsCommonStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 13

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3213-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=49167202&loc=d3e26853-111562

+ Details

Name: us-gaap_PaymentsToAcquireAvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of cash outflow to acquire Federal Home Loan Bank (FHLB) stock.
+ References
No definition available.
+ Details

Name: us-gaap_PaymentsToAcquireFederalHomeLoanBankStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash outflow for purchases of and capital improvements on property, plant and equipment (capital expenditures), software, and other intangible assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 13

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3213-108585

+ Details

Name: us-gaap_PaymentsToAcquireProductiveAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash inflow from a debt initially having maturity due after one year or beyond the operating cycle, if longer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 14

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3255-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

+ Details

Name: us-gaap_ProceedsFromIssuanceOfLongTermDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow associated with maturities (principal being due), prepayments and calls (requests of early payments) on securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 12

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3179-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=49167202&loc=d3e26853-111562

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

+ Details

Name: us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The net cash inflow or outflow in Interest-bearing Deposits by banks in other financial institutions for relatively short periods of time including, for example, certificates of deposits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 230

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6477933&loc=d3e60009-112784

+ Details

Name: us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The net cash inflow or outflow for borrowing having initial term of repayment within one year or the normal operating cycle, if longer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 9

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3098-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

+ Details

Name: us-gaap_ProceedsFromRepaymentsOfShortTermDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=49167202&loc=d3e26853-111562

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 12

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3179-108585

+ Details

Name: us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of cash inflow from sale of Federal Home Loan Bank (FHLB) stock.
+ References
No definition available.
+ Details

Name: us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow from the sale assets received in full or partial satisfaction of a receivable including real and personal property; equity interests in corporations, partnerships, and joint ventures; and beneficial interests in trusts. Foreclosed assets also include loans that are treated as if the underlying collateral had been foreclosed because the institution has taken possession of the collateral, even though legal foreclosure or repossession proceedings have not taken place.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3179-108585

+ Details

Name: us-gaap_ProceedsFromSaleOfForeclosedAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow from sales of loans that are secured with real estate mortgages and are held with the intention to resell in the near future.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 25

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3536-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 21

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3461-108585

+ Details

Name: us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of expense related to estimated loss from loan and lease transactions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.11)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name: us-gaap_ProvisionForLoanAndLeaseLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash outflow for debt initially having maturity due after one year or beyond the normal operating cycle, if longer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 15

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3291-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

+ Details

Name: us-gaap_RepaymentsOfLongTermDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_SupplementalCashFlowInformationAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 27 R35.htm IDEA: XBRL DOCUMENT v3.3.0.814

Employee Benefit Plans (Details) - USD ($)
3 Months Ended 9 Months Ended

Sep. 30, 2015

Sep. 30, 2014

Sep. 30, 2015

Sep. 30, 2014

Dec. 31, 2014

Components of net periodic benefit cost [Abstract]

Employer contribution to 401 (k) defined contribution plan $ 60,000 $ 55,000 $ 215,000 $ 201,000

Directors [Member]

Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items]

Deferred interest expense 5,000 4,000 17,000 15,000

Pension Plan [Member]

Components of net periodic benefit cost [Abstract]

Service cost 110,000 77,000 242,000 230,000

Interest cost 128,000 104,000 281,000 311,000

Expected return on plan assets (243,000) (197,000) (533,000) (590,000)

Net amortization and deferral 65,000 13,000 141,000 38,000

Net periodic benefit cost 60,000 (3,000) 131,000 (11,000)

Employer contribution to pension plan 400,000

Supplemental Executive Retirement Plans [Member]

Components of net periodic benefit cost [Abstract]

Obligation included in other liabilities 1,304,000 1,304,000 $ 1,198,000

Cost recognized 35,000 $ 38,000 106,000 $ 114,000

Deferred Compensation Plan [Member]

Components of net periodic benefit cost [Abstract]

Obligation included in other liabilities $ 952,000 $ 952,000 $ 969,000

Restricted Stock [Member]

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Number of shares authorized (in shares) 100,000 100,000

Number of shares available for grant (in shares) 60,662 60,662

Restricted stock activity [Roll Forward]

Outstanding, beginning of period (in shares) 7,018 7,187 6,971 7,172

Granted (in shares) 0 0 3,496 3,598

Forfeited (in shares) (139) (7) (139) (7)

Vested (in shares) 0 0 (3,449) (3,583)

Outstanding, end of period (in shares) 6,879 7,180 6,879 7,180

Weighted average market price [Roll Forward]

Outstanding, beginning of period (in dollars per share) $ 50.63 $ 48.28 $ 48.55 $ 42.02

Granted (in dollars per share) 0 0 50.02 52.82

Forfeited (in dollars per share) 51.49 37.10 51.49 37.10

Vested (in dollars per share) 0 0 45.80 40.30

Outstanding, end of period (in dollars per share) $ 50.61 $ 48.29 $ 50.61 $ 48.29

Share-based compensation expense $ 44,000 $ 42,000 $ 129,000 $ 115,000

Compensation cost related to nonvested awards that has not yet been recognized $ 349,000 $ 349,000

Compensation cost related to nonvested awards, period to be recognized 2 years 6 months 29 days

X

- Definition
The net amortization and deferral expenses. The net amortization and deferral component is a portion of the benefit obligation and is unaffected by the funded status of the plan.
+ References
No definition available.
+ Details

Name: czfs_DefinedBenefitPlanNetAmortizationAndDeferral

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The compensation expense recognized during the period pertaining to the deferred compensation arrangement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 710

-SubTopic 10

-Section 30

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6409875&loc=d3e20015-108363

+ Details

Name: us-gaap_DeferredCompensationArrangementWithIndividualCompensationExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_DeferredCompensationArrangementWithIndividualPostretirementBenefitsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
This represents the entire liability recognized in the balance sheet that is associated with the defined benefit pension plans.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.15)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=21915240&loc=d3e1703-114919

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=58740216&loc=d3e2410-114920

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=58740216&loc=d3e1928-114920

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.15)

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=58740216&loc=d3e2417-114920

+ Details

Name: us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
An amount calculated as a basis for determining the extent of delayed recognition of the effects of changes in the fair value of assets. The expected return on plan assets is determined based on the expected long-term rate of return on plan assets and the market-related value of plan assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Expected Return on Plan Assets

-URI http://asc.fasb.org/extlink&oid=6512171

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (h)(3)

-URI http://asc.fasb.org/extlink&oid=58740216&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase in a defined benefit pension plan's projected benefit obligation or a defined benefit postretirement plan's accumulated postretirement benefit obligation due to the passage of time.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (h)(2)

-URI http://asc.fasb.org/extlink&oid=58740216&loc=d3e1928-114920

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (a)(2)

-URI http://asc.fasb.org/extlink&oid=58740216&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanInterestCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The total amount of net periodic benefit cost for defined benefit plans for the period. Periodic benefit costs include the following components: service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) due to settlements or curtailments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (h)

-URI http://asc.fasb.org/extlink&oid=58740216&loc=d3e1928-114920

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (j)

-URI http://asc.fasb.org/extlink&oid=58740216&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The actuarial present value of benefits attributed by the pension benefit formula to services rendered by employees during the period. The portion of the expected postretirement benefit obligation attributed to employee service during the period. The service cost component is a portion of the benefit obligation and is unaffected by the funded status of the plan.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Service Cost (Component of Net Periodic Pension Cost)

-URI http://asc.fasb.org/extlink&oid=6525008

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (h)(1)

-URI http://asc.fasb.org/extlink&oid=58740216&loc=d3e1928-114920

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (a)(1)

-URI http://asc.fasb.org/extlink&oid=58740216&loc=d3e1928-114920

+ Details

Name: us-gaap_DefinedBenefitPlanServiceCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of employer's best estimate of contributions expected to be paid to the plan in the current remaining fiscal period.
+ References
No definition available.
+ Details

Name: us-gaap_DefinedBenefitPlansEstimatedFutureEmployerContributionsInCurrentFiscalYear

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of the cost recognized during the period for defined contribution plans.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 70

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=49170846&loc=d3e28014-114942

+ Details

Name: us-gaap_DefinedContributionPlanCostRecognized

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of discretionary contributions made by an employer to a defined contribution plan.
+ References
No definition available.
+ Details

Name: us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Weighted average period over which unrecognized compensation is expected to be recognized for equity-based compensation plans, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (i)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1

Namespace Prefix: us-gaap_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
Unrecognized cost of unvested share-based awards, other than options, awarded to employees as compensation.
+ References
No definition available.
+ Details

Name: us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

+ Details

Name: us-gaap_ShareBasedCompensation

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The number of equity-based payment instruments, excluding stock (or unit) options, that were forfeited during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(1)(iv)(3)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Weighted average fair value as of the grant date of equity-based award plans other than stock (unit) option plans that were not exercised or put into effect as a result of the occurrence of a terminating event.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(2)(iii)(3)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(2)(iii)(1)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
The weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(2)(iii)(1)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
The number of non-vested equity-based payment instruments, excluding stock (or unit) options, that validly exist and are outstanding as of the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(2)(i)-(ii)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The weighted average fair value of nonvested awards on equity-based plans excluding option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, revenue or profit achievement stock award plan) for which the employer is contingently obligated to issue equity instruments or transfer assets to an employee who has not yet satisfied service or performance criteria necessary to gain title to proceeds from the sale of the award or underlying shares or units.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(2)(i)-(ii)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The number of equity-based payment instruments, excluding stock (or unit) options, that vested during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(2)(iii)(2)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
The weighted average fair value as of grant date pertaining to an equity-based award plan other than a stock (or unit) option plan for which the grantee gained the right during the reporting period, by satisfying service and performance requirements, to receive or retain shares or units, other instruments, or cash in accordance with the terms of the arrangement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(2)(iii)(2)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The maximum number of shares (or other type of equity) originally approved (usually by shareholders and board of directors), net of any subsequent amendments and adjustments, for awards under the equity-based compensation plan. As stock or unit options and equity instruments other than options are awarded to participants, the shares or units remain authorized and become reserved for issuance under outstanding awards (not necessarily vested).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (a)(3)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
The difference between the maximum number of shares (or other type of equity) authorized for issuance under the plan (including the effects of amendments and adjustments), and the sum of: 1) the number of shares (or other type of equity) already issued upon exercise of options or other equity-based awards under the plan; and 2) shares (or other type of equity) reserved for issuance on granting of outstanding awards, net of cancellations and forfeitures, if applicable.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Details

Name: us-gaap_TitleOfIndividualAxis=us-gaap_DirectorMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_DeferredCompensationShareBasedPaymentsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 28 R22.htm IDEA: XBRL DOCUMENT v3.3.0.814

Employee Benefit Plans (Tables)
9 Months Ended

Sep. 30, 2015

Employee Benefit Plans [Abstract]

Components of net periodic benefit costs
The following sets forth the components of net periodic benefit costs of the Pension Plan for the three and nine months ended September 30, 2015 and 2014, respectively (in thousands):

Three Months Ended
Nine Months Ended

September 30,
September 30,

2015
2014
2015
2014
Service cost
$             110
$          77
$             242
$                  230
Interest cost
                128
    104
                281
                     311
Expected return on plan assets
              (243)
  (197)
              (533)
                    (590)
Net amortization and deferral
                   65
      13
                141
                       38
Net periodic benefit cost
$               60
$          (3)
$             131
$                   (11)

Schedule of restricted stock activity
The following table details the vesting, awarding and forfeiting of restricted shares during 2015 and 2014:

Three months ended September 30,
Nine months ended September 30,

2015
2014
2015
2014

Weighted

Weighted

Weighted

Weighted

Unvested
Average
Unvested
Average
Unvested
Average
Unvested
Average

Shares
Market Price
Shares
Market Price
Shares
Market Price
Shares
Market Price
Outstanding, beginning of period
         7,018
$          50.63
   7,187
$     48.28
               6,971
$          48.55
   7,172
$      42.02
Granted
                 -
                     -
           -
-
               3,496
             50.02
   3,598
52.82
Forfeited
           (139)
             51.49
         (7)
37.10
                (139)
             51.49
         (7)
         37.10
Vested
                 -
                     -
           -
-
             (3,449)
             45.80
  (3,583)
40.30
Outstanding, end of period
         6,879
$          50.61
   7,180
$     48.29
               6,879
$          50.61
   7,180
$      48.29

X

- References
No definition available.
+ Details

Name: us-gaap_CompensationAndRetirementDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the components of net benefit costs for pension plans and/or other employee benefit plans including service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) recognized due to settlements or curtailments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 715

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (h)

-URI http://asc.fasb.org/extlink&oid=58740216&loc=d3e1928-114920

+ Details

Name: us-gaap_ScheduleOfNetBenefitCostsTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of the number and weighted-average grant date fair value for restricted stock and restricted stock units that were outstanding at the beginning and end of the year, and the number of restricted stock and restricted stock units that were granted, vested, or forfeited during the year.
+ References
No definition available.
+ Details

Name: us-gaap_ScheduleOfSharebasedCompensationRestrictedStockAndRestrictedStockUnitsActivityTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 29 R36.htm IDEA: XBRL DOCUMENT v3.3.0.814

Accumulated Comprehensive Income (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended

Sep. 30, 2015

Sep. 30, 2014

Sep. 30, 2015

Sep. 30, 2014

Accumulated Other Comprehensive Income Loss [Line Items]

Beginning Balance $ 171 $ 1,100 $ 767 $ (1,225)

Other comprehensive income (loss) before reclassifications, net of tax 722 564 258 3,035

Amounts reclassified from accumulated other comprehensive income (loss), net of tax (51) (151) (183) (297)

Net current period other comprehensive income (loss) 671 413 75 2,738

Ending Balance 842 1,513 842 1,513

Unrealized Gains (Loss) On Available For Sale Securities [Member]

Accumulated Other Comprehensive Income Loss [Line Items]

Beginning Balance ^[1] 2,430 2,201 3,093 (108)

Other comprehensive income (loss) before reclassifications, net of tax ^[1] 722 564 258 3,035

Amounts reclassified from accumulated other comprehensive income (loss), net of tax ^[1] (85) (160) (284) (322)

Net current period other comprehensive income (loss) ^[1] 637 404 (26) 2,713

Ending Balance ^[1] 3,067 2,605 3,067 2,605

Defined Benefit Pension Items [Member]

Accumulated Other Comprehensive Income Loss [Line Items]

Beginning Balance ^[1] (2,259) (1,101) (2,326) (1,117)

Other comprehensive income (loss) before reclassifications, net of tax ^[1] 0 0 0 0

Amounts reclassified from accumulated other comprehensive income (loss), net of tax ^[1] 34 9 101 25

Net current period other comprehensive income (loss) ^[1] 34 9 101 25

Ending Balance ^[1] $ (2,225) $ (1,092) $ (2,225) $ (1,092)

[1] Amounts in parentheses indicate debits to the Consolidated Balance Sheet

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e681-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669686-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 31

-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount after tax, before reclassification adjustments of other comprehensive income (loss).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 55

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=51821188&loc=d3e1436-108581

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669686-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount after tax and reclassification adjustments, of increase (decrease) in accumulated gain (loss) from derivative instruments designated and qualifying as the effective portion of cash flow hedges and an entity's share of an equity investee's increase (decrease) in deferred hedging gain (loss).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 10A

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount after tax of reclassification adjustments of other comprehensive income (loss).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669686-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 55

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=51821188&loc=d3e1436-108581

+ Details

Name: us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 30 R24.htm IDEA: XBRL DOCUMENT v3.3.0.814

Fair Value Measurements (Tables)
9 Months Ended

Sep. 30, 2015

Fair Value Measurements [Abstract]

Summary of assets measured at fair value on a recurring basis
The following tables present the assets and liabilities reported on the Consolidated Balance Sheet at their fair value on a recurring basis as of September 30, 2015 and December 31, 2014 by level within the fair value hierarchy (in thousands). Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.

September 30, 2015

Level I

Level II

Level III

Total
Assets

  Securities available for sale:

     U.S. Agency securities

$                -

$             164,102

$                    -

$             164,102
     Obligations of state and

        political subdivisions

                   -

98,165

                       -

98,165
     Corporate obligations

                   -

12,707

                       -

12,707
     Mortgage-backed securities in

       government sponsored entities

                   -

23,899

                       -

23,899
     Equity securities in financial

       institutions

           1,757

                            -

                       -

1,757

December 31, 2014

Level I

Level II

Level III

Total
Securities available for sale:

     U.S. agency securities

$                -

$             150,885

$                    -

$             150,885
     U.S. treasuries securities

                   -

4,849

                       -

4,849
     Obligations of state and

       political subdivisions

                   -

105,036

                       -

105,036
     Corporate obligations

                   -

13,958

                       -

13,958
     Mortgage-backed securities in

       government sponsored entities

                   -

29,728

                       -

29,728
     Equity securities in financial

       institutions

           1,690

                            -

                       -

1,690

Summary of assets measured at fair value on non-recurring basis
Assets measured at fair value on a nonrecurring basis as of September 30, 2015 and December 31, 2014 are included in the table below (in thousands):

September 30, 2015

Level I

Level II

Level III

Total
Impaired Loans

$                -

$                         -

$            7,954

$                 7,954
Other real estate owned

                   -

                            -

1,429

1,429

December 31, 2014

Impaired Loans

$                -

$                         -

$            8,724

$                 8,724
Other real estate owned

                   -

                            -

               1,792

1,792

Significant unobservable inputs used in fair value measurement process
The following table provides a listing of the significant unobservable inputs used in the fair value measurement process for items valued utilizing level III techniques (dollars in thousands).

September 30, 2015
Fair Value

Valuation Technique(s)
Unobservable input
Range
Weighted average
Impaired Loans
$  206

Discounted Cash Flows
Discount in interest rates
0-5.5%
3.19%

  7,748

Appraised Collateral Values
Discount for time since appraisal
0-30%
16.66%

Selling costs
5%-10%
13.25%

Holding period
0 - 18 months
12 months

Other real estate owned
  1,429

Appraised Collateral Values
Discount for time since appraisal
0-20%
20%

Selling costs
4%-10%
9%

Holding period
0 - 18 months
12 months

December 31, 2014
Fair Value

Valuation Technique(s)
Unobservable input
Range

Impaired Loans
$  230

Discounted Cash Flows
Discount in interest rates
0-5.5%
1.99%

  8,494

Appraised Collateral Values
Discount for time since appraisal
0-30%
22.00%

Selling costs
4%-10%
8.55%

Holding period
0 - 18 months
15 months

Other real estate owned
  1,792

Appraised Collateral Values
Discount for time since appraisal
0-20%
20%

Selling costs
4%-10%
9%

Holding period
0 - 18 months
12 months

Fair value of financial instruments
The fair values of the Company’s financial instruments are as follows (in thousands):

Carrying

September 30, 2015
Amount
Fair Value
Level I
Level II
Level III
Financial assets:

Cash and due from banks
$   10,314
$   10,314
$   10,314
$          -
$             -
Interest bearing time deposits with other banks
        6,460
        6,465
                -
             -
6,465
Available-for-sale securities
    300,630
    300,630
        1,757
298,873

Loans held for sale
        1,248
        1,248
        1,248

Net loans
    575,964
    605,361
                -
             -
    605,361
Bank owned life insurance
      20,773
      20,773
      20,773
             -
                -
Regulatory stock
        1,983
        1,983
        1,983
             -
                -
Accrued interest receivable
        3,566
        3,566
3,566
             -
                -

Financial liabilities:

Deposits
$ 797,848
$ 799,026
$ 550,646
$          -
$ 248,380
Borrowed funds
      44,657
      41,978
      12,882
             -
      29,096
Accrued interest payable
           693
           693
693
             -
                -

Carrying

December 31, 2014
Amount
Fair Value
Level I
Level II
Level III
Financial assets:

Cash and due from banks
$   11,423
$   11,423
$   11,423
$          -
$             -
Interest bearing time deposits with other banks
        5,960
        5,969
                -
             -
        5,969
Available-for-sale securities
    306,146
    306,146
        1,690
304,456
                -
Loans held for sale
           497
           497
           497

Net loans
    547,290
    564,944
                -
             -
    564,944
Bank owned life insurance
      20,309
      20,309
      20,309
             -
                -
Regulatory stock
        2,035
        2,035
        2,035
             -
                -
Accrued interest receivable
        3,644
        3,644
        3,644
             -
                -

Financial liabilities:

Deposits
$ 773,933
$ 774,387
$ 525,166
$          -
$ 249,221
Borrowed funds
      41,799
      38,219
      16,593
             -
      21,626
Accrued interest payable
           756
           756
756
             -
                -

X

- Definition
Tabular disclosure of assets and liabilities by class, including financial instruments measured at fair value that are classified in shareholders' equity, if any, that are measured at fair value on a nonrecurring basis in periods after initial recognition (for example, impaired assets). Disclosures may include, but are not limited to: (a) the fair value measurements recorded and the reasons for the measurements and (b) the level within the fair value hierarchy in which the fair value measurements are categorized in their entirety (levels 1, 2, 3).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19296-110258

+ Details

Name: us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13476-108611

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13467-108611

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6447952&loc=d3e13220-108610

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 30

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 10

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13433-108611

+ Details

Name: us-gaap_FairValueByBalanceSheetGroupingTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_FairValueDisclosuresAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of quantitative information about the inputs used in the fair value measurement of assets. This disclosure may include, but is not limited to, the fair value of the asset, valuation technique used to measure fair value, the inputs used to measure fair value, the ranges of the inputs, and the weighted averages of the inputs.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (bbb)

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258

+ Details

Name: us-gaap_FairValueInputsAssetsQuantitativeInformationTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of assets and liabilities, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19190-110258

+ Details

Name: us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 31 Show.js IDEA: XBRL DOCUMENT /** * Rivet Software Inc. * * @copyright Copyright (c) 2006-2011 Rivet Software, Inc. All rights reserved. * Version 2.4.0.3 * */ var Show = {}; Show.LastAR = null, Show.hideAR = function(){ Show.LastAR.style.display = 'none'; }; Show.showAR = function ( link, id, win ){ if( Show.LastAR ){ Show.hideAR(); } var ref = link; do { ref = ref.nextSibling; } while (ref && ref.nodeName != 'TABLE'); if (!ref || ref.nodeName != 'TABLE') { var tmp = win ? win.document.getElementById(id) : document.getElementById(id); if( tmp ){ ref = tmp.cloneNode(true); ref.id = ''; link.parentNode.appendChild(ref); } } if( ref ){ ref.style.display = 'block'; Show.LastAR = ref; } }; Show.toggleNext = function( link ){ var ref = link; do{ ref = ref.nextSibling; }while( ref.nodeName != 'DIV' ); if( ref.style && ref.style.display && ref.style.display == 'none' ){ ref.style.display = 'block'; if( link.textContent ){ link.textContent = link.textContent.replace( '+', '-' ); }else{ link.innerText = link.innerText.replace( '+', '-' ); } }else{ ref.style.display = 'none'; if( link.textContent ){ link.textContent = link.textContent.replace( '-', '+' ); }else{ link.innerText = link.innerText.replace( '-', '+' ); } } }; XML 32 R7.htm IDEA: XBRL DOCUMENT v3.3.0.814

Basis of Presentation
9 Months Ended

Sep. 30, 2015

Basis of Presentation [Abstract]

Basis of Presentation
Note 1 - Basis of Presentation

Citizens Financial Services, Inc. (individually and collectively with its direct and indirect subsidiaries, the “Company”) is a Pennsylvania corporation organized as the holding company of its wholly owned subsidiary, First Citizens Community Bank (the “Bank”), and the Bank’s wholly owned subsidiary, First Citizens Insurance Agency, Inc. (“First Citizens Insurance”).

The accompanying consolidated financial statements have been prepared pursuant to rules and regulations of the Securities and Exchange Commission (“SEC”) and in conformity with U.S. generally accepted accounting principles.  Because this report is based on an interim period, certain information and footnote disclosures normally included in financial statements prepared in accordance with U.S. generally accepted accounting principles have been condensed or omitted.  Certain of the prior year amounts have been reclassified to conform with the current year presentation.  Such reclassifications had no effect on net income or stockholders’ equity.  All material inter-company balances and transactions have been eliminated in consolidation.

In the opinion of management of the Company, the accompanying interim financial statements at September 30, 2015 and for the periods ended September 30, 2015 and 2014 include all adjustments, consisting of only normal recurring adjustments, necessary for a fair presentation of the financial condition and the results of operations for the period.  In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. The financial performance reported for the Company for the nine month period ended September 30, 2015 is not necessarily indicative of the results to be expected for the full year.  This information should be read in conjunction with the Company’s Annual Report on Form 10-K for the year ended December 31, 2014.

X

- References
No definition available.
+ Details

Name: us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for organization, consolidation and basis of presentation of financial statements disclosure.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 205

-SubTopic 10

-Section 45

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=35735333&loc=d3e288-107754

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18780-107790

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 272

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6373374&loc=d3e70478-108055

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=18733093&loc=d3e5614-111684

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 205

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6359566&loc=d3e326-107755

+ Details

Name: us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 33 R3.htm IDEA: XBRL DOCUMENT v3.3.0.814

CONSOLIDATED BALANCE SHEET (UNAUDITED) (Parenthetical) - USD ($)
$ in Thousands

Sep. 30, 2015

Dec. 31, 2014

ASSETS:

Loans, allowance for loan losses $ 7,045 $ 6,815

STOCKHOLDERS' EQUITY:

Preferred Stock, par value (in dollars per share) $ 1.00 $ 1.00

Preferred Stock, authorized (in shares) 3,000,000 3,000,000

Preferred Stock, issued (in shares) 0 0

Common Stock, par value (in dollars per share) $ 1.00 $ 1.00

Common Stock, authorized (in shares) 15,000,000 15,000,000

Common Stock, issued (in shares) 3,335,236 3,335,236

Treasury stock, shares (in shares) 334,165 296,280

X

- References
No definition available.
+ Details

Name: us-gaap_AssetsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Face amount or stated value per share of common stock.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockParOrStatedValuePerShare

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
The maximum number of common shares permitted to be issued by an entity's charter and bylaws.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockSharesAuthorized

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockSharesIssued

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(d))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 30

-Section 50

-Paragraph 2

-Subparagraph (b)(1)(ii)

-URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section L

-Subsection 1

+ Details

Name: us-gaap_LoansAndLeasesReceivableAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29

-Article 5

+ Details

Name: us-gaap_PreferredStockParOrStatedValuePerShare

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29

-Article 5

+ Details

Name: us-gaap_PreferredStockSharesAuthorized

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29

-Article 5

+ Details

Name: us-gaap_PreferredStockSharesIssued

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_StockholdersEquityAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28,29)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29, 30

-Article 5

+ Details

Name: us-gaap_TreasuryStockShares

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

XML 34 R17.htm IDEA: XBRL DOCUMENT v3.3.0.814

Recent Accounting Pronouncements
9 Months Ended

Sep. 30, 2015

Recent Accounting Pronouncements [Abstract]

Recent Accounting Pronouncements
Note 11 – Recent Accounting Pronouncements

In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (a new revenue recognition standard). The Update’s core principle is that a company will recognize revenue to depict the transfer of 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. In addition, this update specifies the accounting for certain costs to obtain or fulfill a contract with a customer and expands disclosure requirements for revenue recognition. This Update is effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. The Company is evaluating the effect of adopting this new accounting Update.

In August 2014, the FASB issued ASU 2014-15, Presentation of Financial Statements -Going Concern (Subtopic 205-40).  The amendments in this Update provide guidance in accounting principles generally accepted in the United States of America about management's responsibility to evaluate whether there is substantial doubt about an entity's ability to continue as a going concern and to provide related footnote disclosures.  The amendments in this Update are effective for the annual period ending after December 15, 2016, and for annual periods and interim periods thereafter. Early application is permitted.  This Update is not expected to have a significant impact on the Company’s financial statements.

In February 2015, the FASB issued ASU 2015-02, Consolidation (Topic 810). The amendments in this Update affect reporting entities that are required to evaluate whether they should consolidate certain legal entities. All legal entities are subject to reevaluation under the revised consolidation model. Specifically, the amendments (1) modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (VIEs) or voting interest entities; (2) eliminate the presumption that a general partner should consolidate a limited partnership; (3) affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships; (4) provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds.  The amendments in this Update are effective for public business entities for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015.  For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2016, and for interim periods within fiscal years beginning after December 15, 2017. This Update is not expected to have a significant impact on the Company’s financial statements.

In April 2015, the FASB issued ASU 2015-03, Interest-Imputation of Interest (Subtopic 835-30), as part of its initiative to reduce complexity in accounting standards.  To simplify presentation of debt issuance costs, the amendments in this Update require 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 this Update.  For public business entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years.  For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within fiscal years beginning after December 15, 2016.  An entity should apply the new guidance on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. This Update is not expected to have a significant impact on the Company’s financial statements.

In May 2015, the FASB issued ASU 2015-08, Business Combinations - Pushdown Accounting - Amendment to SEC Paragraphs Pursuant to Staff Accounting Bulletin No. 115. This ASU was issued to amend various SEC paragraphs pursuant to the issuance of Staff Accounting Bulletin No. 115. This Update is not expected to have a significant impact on the Company’s financial statements.

In June 2015, the FASB issued ASU 2015-10, Technical Corrections and Improvements. The amendments in this Update represent changes to clarify the Codification, correct unintended application of guidance, or make minor improvements to the Codification that are not expected to have a significant effect on current accounting practice or create a significant administrative cost to most entities. Transition guidance varies based on the amendments in this Update. The amendments in this Update that require transition guidance are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted, including adoption in an interim period. All other amendments will be effective upon the issuance of this Update.  This Update is not expected to have a significant impact on the Company’s financial statements.

In August 2015, the FASB issued ASU 2015-14, Revenue from Contract with Customers (Topic 606). The amendments in this Update defer the effective date of ASU 2014-09 for all entities by one year.  Public business entities, certain not-for-profit entities, and certain employee benefit plans should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2017, including interim reporting periods within that reporting period.  All other entities should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2018, and interim reporting periods within annual reporting periods beginning after December 15, 2019.  The Company is evaluating the effect of adopting this new accounting Update.

In August 2015, the FASB issued ASU 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.  This ASU adds SEC paragraphs pursuant to the SEC Staff Announcement at the June 18, 2015 Emerging Issues Task Force meeting about the presentation and subsequent measurement of debt issuance costs associated with line-of-credit arrangements.  This Update is not expected to have a significant impact on the Company’s financial statements.

In September 2015, the FASB issued ASU 2015-16, Business Combinations (Topic 805). The amendments in this Update require that an acquirer recognize adjustments to provisional amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The amendments in this Update require that the acquirer record, in the same period's financial statements, the effect on earnings of changes in depreciation, amortization, or other income effects, if any, as a result of the change to the provisional amounts, calculated as if the accounting had been completed at the acquisition date. The amendments in this Update require an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current-period earnings by line item that would have been recorded in previous reporting periods if the adjustment to the provisional amounts had been recognized as of the acquisition date. For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2016, and interim periods within fiscal years beginning after December 15, 2017. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations.

X

- References
No definition available.
+ Details

Name: us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure of changes in accounting principles, including adoption of new accounting pronouncements, that describes the new methods, amount and effects on financial statement line items.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Change in Accounting Principle

-URI http://asc.fasb.org/extlink&oid=6507316

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Direct Effects of a Change in Accounting Principle

-URI http://asc.fasb.org/extlink&oid=6510796

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 250

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=56949863&loc=d3e22583-107794

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Indirect Effects of a Change in Accounting Principle

-URI http://asc.fasb.org/extlink&oid=6515603

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 250

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=56949863&loc=d3e22580-107794

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 270

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.10-01.(b)(6))

-URI http://asc.fasb.org/extlink&oid=27015980&loc=d3e46468-122699

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Accounting Change

-URI http://asc.fasb.org/extlink&oid=6503790

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 250

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=56949863&loc=d3e22499-107794

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Retrospective Application

-URI http://asc.fasb.org/extlink&oid=6523989

Reference 10: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 270

-SubTopic 10

-Section 45

-Paragraph 13

-URI http://asc.fasb.org/extlink&oid=51655806&loc=d3e765-108305

Reference 11: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 270

-SubTopic 10

-Section 45

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=51655806&loc=d3e725-108305

+ Details

Name: us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 35 R1.htm IDEA: XBRL DOCUMENT v3.3.0.814

Document and Entity Information - shares
9 Months Ended

Sep. 30, 2015

Oct. 26, 2015

Document and Entity Information [Abstract]

Entity Registrant Name CITIZENS FINANCIAL SERVICES INC

Entity Central Index Key 0000739421

Current Fiscal Year End Date --12-31

Entity Well-known Seasoned Issuer No

Entity Voluntary Filers No

Entity Current Reporting Status Yes

Entity Filer Category Accelerated Filer

Entity Common Stock, Shares Outstanding 3,001,071

Document Fiscal Year Focus 2015

Document Fiscal Period Focus Q3

Document Type 10-Q

Amendment Flag false

Document Period End Date Sep. 30, 2015

X

- References
No definition available.
+ Details

Name: czfs_DocumentAndEntityInformationAbstract

Namespace Prefix: czfs_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
If the value is true, then the document is an amendment to previously-filed/accepted document.
+ References
No definition available.
+ Details

Name: dei_AmendmentFlag

Namespace Prefix: dei_

Data Type: xbrli:booleanItemType

Balance Type: na

Period Type: duration

X

- Definition
End date of current fiscal year in the format --MM-DD.
+ References
No definition available.
+ Details

Name: dei_CurrentFiscalYearEndDate

Namespace Prefix: dei_

Data Type: xbrli:gMonthDayItemType

Balance Type: na

Period Type: duration

X

- Definition
This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.
+ References
No definition available.
+ Details

Name: dei_DocumentFiscalPeriodFocus

Namespace Prefix: dei_

Data Type: dei:fiscalPeriodItemType

Balance Type: na

Period Type: duration

X

- Definition
This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.
+ References
No definition available.
+ Details

Name: dei_DocumentFiscalYearFocus

Namespace Prefix: dei_

Data Type: xbrli:gYearItemType

Balance Type: na

Period Type: duration

X

- Definition
The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented. If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.
+ References
No definition available.
+ Details

Name: dei_DocumentPeriodEndDate

Namespace Prefix: dei_

Data Type: xbrli:dateItemType

Balance Type: na

Period Type: duration

X

- Definition
The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word "Other".
+ References
No definition available.
+ Details

Name: dei_DocumentType

Namespace Prefix: dei_

Data Type: dei:submissionTypeItemType

Balance Type: na

Period Type: duration

X

- Definition
A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation 12B

-Number 240

-Section 12b

-Subsection 1

+ Details

Name: dei_EntityCentralIndexKey

Namespace Prefix: dei_

Data Type: dei:centralIndexKeyItemType

Balance Type: na

Period Type: duration

X

- Definition
Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.
+ References
No definition available.
+ Details

Name: dei_EntityCommonStockSharesOutstanding

Namespace Prefix: dei_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Indicate "Yes" or "No" whether registrants (1) have 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 registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.
+ References
No definition available.
+ Details

Name: dei_EntityCurrentReportingStatus

Namespace Prefix: dei_

Data Type: dei:yesNoItemType

Balance Type: na

Period Type: duration

X

- Definition
Indicate whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, (4) Smaller Reporting Company (Non-accelerated) or (5) Smaller Reporting Accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.
+ References
No definition available.
+ Details

Name: dei_EntityFilerCategory

Namespace Prefix: dei_

Data Type: dei:filerCategoryItemType

Balance Type: na

Period Type: duration

X

- Definition
The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation 12B

-Number 240

-Section 12b

-Subsection 1

+ Details

Name: dei_EntityRegistrantName

Namespace Prefix: dei_

Data Type: xbrli:normalizedStringItemType

Balance Type: na

Period Type: duration

X

- Definition
Indicate "Yes" or "No" if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.
+ References
No definition available.
+ Details

Name: dei_EntityVoluntaryFilers

Namespace Prefix: dei_

Data Type: dei:yesNoItemType

Balance Type: na

Period Type: duration

X

- Definition
Indicate "Yes" or "No" if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.
+ References
No definition available.
+ Details

Name: dei_EntityWellKnownSeasonedIssuer

Namespace Prefix: dei_

Data Type: dei:yesNoItemType

Balance Type: na

Period Type: duration

XML 36 R18.htm IDEA: XBRL DOCUMENT v3.3.0.814

Earnings per Share (Tables)
9 Months Ended

Sep. 30, 2015

Earnings per Share [Abstract]

Computation of earnings per share
The following table sets forth the computation of earnings per share.  Earnings per share calculations give retroactive effect to stock dividends declared by the Company.

Three months ended
Nine months ended

September30,
September30,

2015
2014
2015
2014
Net income applicable to common stock
$2,857,000
$3,368,000
$9,166,000
$9,909,000

Basic earnings per share computation

Weighted average common shares outstanding
   3,011,687
   3,035,214
     3,019,202
   3,038,973
Earnings per share - basic
$0.95
$1.11
$3.04
$3.26

Diluted earnings per share computation

Weighted average common shares outstanding for basic earnings per share
   3,011,687
   3,035,214
     3,019,202
   3,038,973
Add: Dilutive effects of restricted stock
          1,464
          1,486
            1,468
          1,427
Weighted average common shares outstanding for dilutive earnings per share
   3,013,151
   3,036,700
     3,020,670
   3,040,400
Earnings per share - diluted
$0.95
$1.11
$3.03
$3.26

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

+ Details

Name: us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 37 R4.htm IDEA: XBRL DOCUMENT v3.3.0.814

CONSOLIDATED STATEMENT OF INCOME (UNAUDITED) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended

Sep. 30, 2015

Sep. 30, 2014

Sep. 30, 2015

Sep. 30, 2014

INTEREST INCOME:

Interest and fees on loans $ 7,248 $ 7,094 $ 21,416 $ 21,200

Interest-bearing deposits with banks 33 25 103 51

Investment securities:

Taxable 798 805 2,317 2,542

Nontaxable 749 844 2,398 2,526

Dividends 35 40 168 159

TOTAL INTEREST INCOME 8,863 8,808 26,402 26,478

INTEREST EXPENSE:

Deposits 1,044 1,092 3,088 3,291

Borrowed funds 174 142 521 451

TOTAL INTEREST EXPENSE 1,218 1,234 3,609 3,742

NET INTEREST INCOME 7,645 7,574 22,793 22,736

Provision for loan losses 120 150 360 480

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 7,525 7,424 22,433 22,256

NON-INTEREST INCOME:

Service charges 1,054 1,098 3,058 3,239

Trust 149 151 523 528

Brokerage and insurance 181 141 563 398

Gains on loans sold 85 40 183 110

Investment securities gains, net 129 242 430 488

Earnings on bank owned life insurance 158 124 464 366

Other 109 128 327 337

TOTAL NON-INTEREST INCOME 1,865 1,924 5,548 5,466

NON-INTEREST EXPENSES:

Salaries and employee benefits 3,069 2,790 9,118 8,600

Occupancy 347 313 1,064 967

Furniture and equipment 108 86 323 280

Professional fees 202 207 614 649

FDIC insurance 116 116 348 345

Pennsylvania shares tax 201 101 602 485

Merger and acquisition 282 187 405 237

ORE expenses 328 106 686 243

Other 1,199 1,161 3,455 3,352

TOTAL NON-INTEREST EXPENSES 5,852 5,067 16,615 15,158

Income before provision for income taxes 3,538 4,281 11,366 12,564

Provision for income taxes 681 913 2,200 2,655

NET INCOME $ 2,857 $ 3,368 $ 9,166 $ 9,909

PER COMMON SHARE DATA:

Net Income - Basic (in dollars per share) $ 0.95 $ 1.11 $ 3.04 $ 3.26

Net Income - Diluted (in dollars per share) 0.95 1.11 3.03 3.26

Cash Dividends Paid (in dollars per share) $ 0.510 $ 1.000 $ 1.320 $ 1.772

Number of shares used in computation - basic (in shares) 3,011,687 3,035,214 3,019,202 3,038,973

Number of shares used in computation - diluted (in shares) 3,013,151 3,036,700 3,020,670 3,040,400

X

- Definition
Refers to merger and acquisition expenses.
+ References
No definition available.
+ Details

Name: czfs_MergerAndAcquisition

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Refers to other real estate expenses.
+ References
No definition available.
+ Details

Name: czfs_OREExpenses

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Tax imposed by the Commonwealth of Pennsylvania on the book value of capital stock.
+ References
No definition available.
+ Details

Name: czfs_PennsylvaniaSharesTax

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_BankOwnedLifeInsuranceIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Aggregate dividends paid during the period for each share of common stock outstanding.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.3-04)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

+ Details

Name: us-gaap_CommonStockDividendsPerShareCashPaid

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of operating dividend income on securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.2)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_DividendIncomeOperating

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 55

-Paragraph 52

-URI http://asc.fasb.org/extlink&oid=32703322&loc=d3e4984-109258

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.23)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 18

-Article 7

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 20

-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 21

-Article 9

+ Details

Name: us-gaap_EarningsPerShareBasic

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 18

-Article 7

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 20

-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 21

-Article 9

+ Details

Name: us-gaap_EarningsPerShareDiluted

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
This element represents equipment expense including depreciation, repairs, rentals, and service contract costs. This item also includes equipment purchases which do not qualify for capitalization in accordance with the entity's accounting policy. This item may also include furniture expenses.
+ References
No definition available.
+ Details

Name: us-gaap_EquipmentExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of expense for Federal Deposit Insurance Corporation (FDIC) insurance.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.14)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_FederalDepositInsuranceCorporationPremiumExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Income from services rendered by trust departments or by any consolidated subsidiaries acting in a fiduciary capacity, including fees earned for (1) acting as an agent for fiduciary placement and loans and (2) custody or investment advisory services when such fees are not separately billed to the customer. This item excludes commissions and fees received for the accumulation or disbursement of funds deposited to Individual Retirement or Keogh plan accounts when such are not handled by the reporting entity's trust department.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13 (a))

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The gains (losses) included in earnings that represent the difference between the sale price and the carrying value of loans made to finance real estate acquisitions. This element refers to the gain (loss) and not to the cash proceeds of the sale. This element is a noncash adjustment to net income when calculating net cash generated by operating activities using the indirect method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

+ Details

Name: us-gaap_GainLossOnSaleOfMortgageLoans

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13(h))

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.3)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

+ Details

Name: us-gaap_GainLossOnSaleOfSecuritiesNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h)(1)(i))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

+ Details

Name: us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Income Tax Expense (or Benefit)

-URI http://asc.fasb.org/extlink&oid=6515339

+ Details

Name: us-gaap_IncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.1-5)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_InterestAndDividendIncomeOperating

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_InterestAndDividendIncomeOperatingAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.1)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_InterestAndFeeIncomeLoansAndLeases

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of the cost of borrowed funds accounted for as interest expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 835

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6450988&loc=d3e26243-108391

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.9)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_InterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_InterestExpenseAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Aggregate amount of interest expense on all borrowings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.7,8)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_InterestExpenseBorrowings

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Aggregate amount of interest expense on all deposits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.6)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_InterestExpenseDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Interest earned on deposits in United States money market accounts and other United States interest earning accounts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.4)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_InterestIncomeDomesticDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.12)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net amount of operating interest income (expense).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.10)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_InterestIncomeExpenseNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of operating interest income, including amortization and accretion of premiums and discounts, on securities exempt from state, federal and other income tax.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.2)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_InterestIncomeSecuritiesTaxExempt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of operating interest income, including amortization and accretion of premiums and discounts, on securities subject to state, federal and other income tax.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.2)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_InterestIncomeSecuritiesTaxable

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Fees and commissions from underwriting securities, private placements of securities, investment advisory and management services, merger and acquisition services, and other related consulting fees. Include fees and commissions from securities brokerage activities, from the sale and servicing of mutual funds, from the purchase and sale of securities and money market instruments where the bank is acting as agent for other banks or customers, and from the lending of securities owned by the bank or by bank customers (exclusive of trading revenue). Also includes the bank's proportionate share of the income or loss before extraordinary items and other adjustments from its investments in: unconsolidated subsidiaries, associated companies and corporate joint ventures, unincorporated joint ventures, general partnerships, and limited partnerships over which the bank exercises significant influence and that are principally engaged in investment banking, advisory, brokerage, or securities underwriting activities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13(b))

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.4)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

+ Details

Name: us-gaap_LaborAndRelatedExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

-URI http://asc.fasb.org/extlink&oid=51831255

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.18)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.22)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

-URI http://asc.fasb.org/extlink&oid=51831270

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 19

-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 20

-Article 9

+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Total aggregate amount of all noninterest expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.14)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_NoninterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NoninterestExpenseAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_NoninterestIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NoninterestIncomeAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Represents other forms of revenue earned, excluding interest, which is not otherwise specified in the taxonomy.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.4)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 13

-Article 9

+ Details

Name: us-gaap_NoninterestIncomeOtherOperatingIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.14(b))

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.6)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 30

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6455398&loc=d3e45280-112737

+ Details

Name: us-gaap_OccupancyNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Other noninterest expenses that are not separately presented in any other noninterest expense category.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.14)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

+ Details

Name: us-gaap_OtherNoninterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 946

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.6-07.2(a),(b),(c),(d))

-URI http://asc.fasb.org/extlink&oid=6488393&loc=d3e606610-122999

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 946

-SubTopic 225

-Section 45

-Paragraph 3

-Subparagraph (k)

-URI http://asc.fasb.org/extlink&oid=6488370&loc=d3e13550-115849

+ Details

Name: us-gaap_ProfessionalFees

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of expense related to estimated loss from loan and lease transactions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.11)

-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name: us-gaap_ProvisionForLoanAndLeaseLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Fees and other service revenues recognized in the period that are not otherwise specified in the taxonomy.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.1(d))

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

+ Details

Name: us-gaap_RevenueOtherFinancialServices

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 16

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1505-109256

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

+ Details

Name: us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 10

-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1448-109256

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Weighted-Average Number of Common Shares Outstanding

-URI http://asc.fasb.org/extlink&oid=6528421

+ Details

Name: us-gaap_WeightedAverageNumberOfSharesOutstandingBasic

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

XML 38 R12.htm IDEA: XBRL DOCUMENT v3.3.0.814

Federal Home Loan Bank Stock
9 Months Ended

Sep. 30, 2015

Federal Home Loan Bank Stock [Abstract]

Federal Home Loan Bank Stock
Note 6 – Federal Home Loan Bank Stock

The Bank is a member of the FHLB of Pittsburgh and, as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. As of September 30, 2015 and December 31, 2014, the Bank’s investment in FHLB stock was $1,708,000 and $1,761,000, respectively. The stock does not have a readily determinable fair value and, as such, is classified as restricted stock, carried at cost and evaluated by management.  The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) a significant decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) the impact of legislative and regulatory changes on the customer base of the FHLB and (d) the liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.  Management considered that the FHLB’s regulatory capital ratios have improved, liquidity appears adequate, new shares of FHLB stock continue to exchange hands at the $100 par value and the FHLB has repurchased shares of excess capital stock from its members and has paid a quarterly cash dividend.

X

- Definition
The entire disclosure for investments accounted for under the cost-method. The carrying amount of such investments may be adjusted, for example, distributions in excess of cost (return of capital) or for other-than-temporary impairments. The cost method and lower-of-cost or market, an adaptation of the cost method, is generally followed for most investments in noncontrolled corporations, in some corporate joint ventures, and to a lesser extent in unconsolidated subsidiaries in which the entity does not have the ability to exercise significant influence.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 325

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6872867&loc=d3e40691-111596

+ Details

Name: us-gaap_CostMethodInvestmentsDescriptionTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_InvestmentsAllOtherInvestmentsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 39 R11.htm IDEA: XBRL DOCUMENT v3.3.0.814

Loans
9 Months Ended

Sep. 30, 2015

Loans [Abstract]

Loans
Note 5 – Loans

The Company grants loans primarily to customers throughout North Central Pennsylvania and Southern New York.  Although the Company had a diversified loan portfolio at September 30, 2015 and December 31, 2014, a substantial portion of its debtors’ ability to honor their contracts is dependent on the economic conditions within these regions. The following table summarizes the primary segments of the loan portfolio and how those segments are analyzed within the allowance for loan losses as of September 30, 2015 and December 31, 2014 (in thousands):

September 30, 2015

Total Loans
Individually
evaluated for
impairment
Collectively
evaluated for
impairment
Real estate loans:

     Residential

$                 178,280
$                        330
$                 177,950
     Commercial and agricultural

                    233,931
                        5,583
                    228,348
     Construction

                      10,159
                                -
                      10,159
Consumer

                        8,473
                                -
                        8,473
Other commercial and agricultural loans
                      64,712
                        2,237
                      62,475
State and political subdivision loans

                      87,454
                                -
                      87,454
Total

                    583,009
$                     8,150
$                 574,859
Allowance for loan losses

                        7,045

Net loans

$                 575,964

December 31, 2014

Real estate loans:

     Residential

$                 185,438
$                        316
$                 185,122
     Commercial and agricultural

                    215,584
                        6,112
                    209,472
     Construction

                        6,353
                                -
                        6,353
Consumer

                        8,497
                                -
                        8,497
Other commercial and agricultural loans

                      58,516
                        2,394
                      56,122
State and political subdivision loans

                      79,717
                                -
                      79,717
Total

                    554,105
$                     8,822
$                 545,283
Allowance for loan losses

                        6,815

Net loans

$                 547,290

The segments of the Company’s loan portfolio are disaggregated into classes to a level that allows management to monitor risk and performance. Residential real estate mortgages consist primarily of 15 to 30 year first mortgages on residential real estate, while residential real estate home equity loans are consumer purpose installment loans or lines of credit with terms of 15 years or less secured by a mortgage which is often a second lien on residential real estate. Commercial real estate loans are business purpose loans secured by a mortgage on commercial real estate. Agricultural real estate loans are loans secured by a mortgage on real estate used in agriculture production. Construction real estate loans are loans secured by residential or commercial real estate used during the construction phase of residential and commercial projects. Consumer loans are typically unsecured or primarily secured by assets other than real estate and overdraft lines of credit are typically secured by customer deposit accounts. Other commercial loans are loans for commercial purposes primarily secured by non-real estate collateral. Other agricultural loans are loans for agricultural purposes primarily secured by non-real estate collateral. State and political subdivision loans are loans to state and local municipalities for capital and operating expenses or tax free loans used to finance commercial development.

Management considers commercial loans, other agricultural loans, state and political subdivision loans, commercial real estate loans and agricultural real estate loans which are 90 days or more past due to be impaired. Management will also consider a loan impaired based on other factors it becomes aware of, including the customer’s results of operations and cash flows or if the loan is modified in a troubled debt restructuring. In addition, certain residential mortgages, home equity and consumer loans that are cross collateralized with commercial relationships that are determined to be impaired may also be classified as impaired. Impaired loans are analyzed to determine if it is probable that all amounts will not be collected according to the contractual terms of the loan agreement. If management determines that the value of the impaired loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allocation of the allowance for loan losses or a charge-off to the allowance for loan losses.

The following table includes the recorded investment and unpaid principal balances for impaired financing receivables by class, with the associated allowance amount, if applicable (in thousands):

Recorded
Recorded

Unpaid
Investment
Investment
Total

Principal
With No
With
Recorded
Related
September 30, 2015
Balance
Allowance
Allowance
Investment
Allowance
Real estate loans:

     Mortgages
$       304
$          119
$          149
$          268
$          27
     Home Equity
            62
                  -
               62
               62
             12
     Commercial
       7,965
          5,314
               99
          5,413
             34
     Agricultural
170
             170
                  -
             170
                -
     Construction
               -
                  -
                  -
                  -
                -
Consumer
               -
                  -
                  -
                  -
                -
Other commercial loans
       2,238
          1,125
             999
          2,124
           123
Other agricultural loans
113
             113
                  -
             113
                -
State and political subdivision loans
               -
                  -
                  -
                  -
                -
Total
$  10,852
$       6,841
$       1,309
$       8,150
$        196

December 31, 2014

Real estate loans:

     Mortgages
$       222
$          125
$            66
$          191
$          13
     Home Equity
          130
               60
               65
             125
             12
     Commercial
       8,433
          5,708
             404
          6,112
             72
     Agricultural
               -
                  -
                  -
                  -
                -
     Construction
               -
                  -
                  -
                  -
                -
Consumer
               -
                  -
                  -
                  -
                -
Other commercial loans
       2,480
          2,346
               48
          2,394
               1
Other agricultural loans
               -
                  -
                  -
                  -
                -
State and political subdivision loans
               -
                  -
                  -
                  -
                -
Total
$  11,265
$       8,239
$          583
$       8,822
$          98

The following tables includes the average balance of impaired financing receivables by class and the income recognized on impaired loans for the three and nine month periods ended September 30, 2015 and 2014(in thousands):

For the Nine Months ended

September 30, 2015
September 30, 2014

Interest

Interest

Average
Interest
Income
Average
Interest
Income

Recorded
Income
Recognized
Recorded
Income
Recognized

Investment
Recognized
Cash Basis
Investment
Recognized
Cash Basis
Real estate loans:

     Mortgages
$       239
$              8
$              5
$          201
$            7
$               -
     Home Equity
            97
                 3
                  -
             131
               3
                  -
     Commercial
       5,728
               46
                  -
          7,616
             66
                  -
     Agricultural
               19
                 1
                  -
                  -
                -
                  -
     Construction
               -
                  -
                  -
                  -
                -
                  -
Consumer
               -
                  -
                  -
               13
                -
                  -
Other commercial loans
       2,488
               64
                 4
          1,982
             61
                  -
Other agricultural loans
               13
                 1
                  -
                  -
                -
                  -
State and political subdivision loans
               -
                  -
                  -
                  -
                -
                  -
Total
$    8,584
$          123
$              9
$       9,943
$        137
$               -

For the Three Months Ended

September 30, 2015
September 30, 2014

Interest

Interest

Average
Interest
Income
Average
Interest
Income

Recorded
Income
Recognized
Recorded
Income
Recognized

Investment
Recognized
Cash Basis
Investment
Recognized
Cash Basis
Real estate loans:

     Mortgages
$       269
$              4
$               -
$          197
$            3
$               -
     Home Equity
            62
                 1
                  -
             130
               1
                  -
     Commercial
       5,462
               14
                  -
          6,770
             22
                  -
     Agricultural
            57
                 1
                  -
                  -
                -
                  -
     Construction
               -
                  -
                  -
                  -
                -
                  -
Consumer
               -
                  -
                  -
               10
                -
                  -
Other commercial loans
       2,107
               15
                 1
          1,943
             15
                  -
Other agricultural loans
               38
                 1
                  -
                  -
                -
                  -
State and political subdivision loans
               -
                  -
                  -
                  -
                -
                  -
Total
$    7,995
$            36
$              1
$       9,050
$          41
$               -

Credit Quality Information

For commercial real estate, agricultural real estate, construction, other commercial, other agricultural and state and political subdivision loans, management uses a nine grade internal risk rating system to monitor credit quality. The first five categories are considered not criticized and are aggregated as “Pass” rated. The criticized rating categories utilized by management generally follow bank regulatory definitions. The definitions of each rating are defined below:

·
Pass (Grades 1-5) – These loans are to customers with credit quality ranging from an acceptable to very high quality and are protected by the current net worth and paying capacity of the obligor or by the value of the underlying collateral.

·
Special Mention (Grade 6) – This loan grade is in accordance with regulatory guidance and includes loans where a potential weakness or risk exists, which could cause a more serious problem if not corrected.

·
Substandard (Grade 7) – This loan grade is in accordance with regulatory guidance and includes loans that have a well-defined weakness based on objective evidence and be characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.

·
Doubtful (Grade 8) – This loan grade is in accordance with regulatory guidance and includes loans that have all the weaknesses inherent in a substandard asset. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances.

·
Loss (Grade 9) – This loan grade is in accordance with regulatory guidance and includes loans that are considered uncollectible, or of such value that continuance as an asset is not warranted.

To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay the loan as agreed, the Company’s loan rating process includes several layers of internal and external oversight. The Company’s loan officers are responsible for the timely and accurate risk rating of the loans in each of their portfolios at origination and on an ongoing basis under the supervision of management.  All commercial and agricultural loans are reviewed annually to ensure the appropriateness of the loan grade. In addition, the Company engages an external consultant on at least an annual basis to 1) review a minimum of 55% of the dollar volume of the commercial loan portfolio on an annual basis, 2) review new loans originated for over $1.0 million in the last year, 3) review a majority of borrowers with commitments greater than or equal to $1.0 million,  4) review selected loan relationships over $750,000 which are over 30 days past due, classified Special Mention, Substandard, Doubtful, or Loss, and 5) such other loans which management or the consultant deems appropriate.

The following tables represent credit exposures by internally assigned grades as of September 30, 2015 and December 31, 2014 (in thousands):

September 30, 2015
Pass
Special Mention
Substandard
Doubtful
Loss
Ending Balance
Real estate loans:

     Commercial
$          181,306
$           3,860
$                  12,575
$                34
$              -
$          197,775
     Agricultural
               32,326
              3,302
                          528
                      -
                 -
               36,156
     Construction
               10,123
                   36
                              -
                      -
                 -
               10,159
Other commercial loans
               46,435
                 480
                       5,140
                 140
                 -
               52,195
Other agricultural loans
               11,756
                 648
                          113
                      -
                 -
               12,517
State and political

   subdivision loans
               87,454
                      -
                              -
                      -
                 -
               87,454
Total
$          369,400
$           8,326
$                  18,356
$              174
$              -
$          396,256

December 31, 2014

Real estate loans:

     Commercial
$          169,383
$           8,948
$                  12,614
$                   -
$              -
$          190,945
     Agricultural
               19,575
              3,394
                       1,670
                      -
                 -
               24,639
     Construction
                 6,353
                      -
                              -
                      -
                 -
                 6,353
Other commercial loans
               40,683
              4,413
                       2,355
                      -
                 -
               47,451
Other agricultural loans
                 9,221
                 727
                       1,117
                      -
                 -
               11,065
State and political

   subdivision loans
               79,717
                      -
                              -
                      -
                 -
               79,717
Total
$          324,932
$         17,482
$                  17,756
$                   -
$              -
$          360,170

For residential real estate mortgages, home equity and consumer loans, credit quality is monitored based on whether the loan is performing or non-performing, which is typically based on the aging status of the loan and payment activity, unless a specific action, such as bankruptcy, repossession, death or significant delay in payment occurs to raise awareness of a possible credit event. Non-performing loans include those loans that are considered nonaccrual, described in more detail below, and all loans past due 90 or more days and still accruing. The following table presents the recorded investment in those loan classes based on payment activity as of September 30, 2015 and December 31, 2014 (in thousands):

September 30, 2015
Performing
Non-performing
Total
Real estate loans:

     Mortgages
$          117,363
$           1,032
$                118,395
     Home Equity
               59,714
                 171
                     59,885
Consumer
                 8,421
                   52
                       8,473
Total
$          185,498
$           1,255
$                186,753

December 31, 2014
Performing
Non-performing
Total
Real estate loans:

     Mortgages
$          121,968
$              890
$                122,858
     Home Equity
               62,296
                 284
                     62,580
Consumer
                 8,444
                   53
                       8,497
Total
$          192,708
$           1,227
$                193,935

Aging Analysis of Past Due Financing Receivables

Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following table includes an aging analysis of the recorded investment of past due financing receivables as of September 30, 2015 and December 31, 2014 (in thousands):

90 Days or

30-59 Days
60-89 Days
90 Days
Total Past

Total Financing
Greater and
September 30, 2015
Past Due
Past Due
Or Greater
Due
Current
Receivables
Accruing
Real estate loans:

     Mortgages
$        388
$        133
$        663
$     1,184
$   117,211
$           118,395
$            303
     Home Equity
           521
             21
           158
           700
        59,185
                59,885
               106
     Commercial
           302
           130
        4,138
        4,570
      193,205
              197,775
                 60
     Agricultural
             38
           170
                -
           208
        35,948
                36,156
                   -
     Construction
                -
                -
                -
                -
        10,159
                10,159
                   -
Consumer
             41
             29
             24
             94
          8,379
                  8,473
                   -
Other commercial loans
           528
             30
           756
        1,314
        50,881
                52,195
               199
Other agricultural loans
             30
           168
                -
           198
        12,319
                12,517
                   -
State and political subdivision loans
                -
                -
                -
                -
        87,454
                87,454
                   -

Total
$     1,848
$        681
$     5,739
$     8,268
$   574,741
$           583,009
$            668
Loans considered non-accrual
$        319
$        204
$     5,071
$     5,594
$          725
$               6,319

Loans still accruing
        1,529
           477
           668
        2,674
      574,016
              576,690

Total
$     1,848
$        681
$     5,739
$     8,268
$   574,741
$           583,009

December 31, 2014

Real estate loans:

     Mortgages
$        318
$        230
$        675
$     1,223
$   121,635
$           122,858
$            214
     Home Equity
           442
             99
           260
           801
        61,779
                62,580
               132
     Commercial
             97
           231
        1,432
        1,760
      189,185
              190,945
               310
     Agricultural
                -
                -
                -
                -
        24,639
                24,639
                   -
     Construction
                -
                -
                -
                -
          6,353
                  6,353
                   -
Consumer
           119
               4
               7
           130
          8,367
                  8,497
                   6
Other commercial loans
           503
           258
           476
        1,237
        46,214
                47,451
               174
Other agricultural loans
                -
                -
                -
                -
        11,065
                11,065
                   -
State and political subdivision loans
                -
                -
                -
                -
        79,717
                79,717
                   -

Total
$     1,479
$        822
$     2,850
$     5,151
$   548,954
$           554,105
$            836
Loans considered non-accrual
$          48
$        181
$     2,014
$     2,243
$       4,356
$               6,599

Loans still accruing
        1,431
           641
           836
        2,908
      544,598
              547,506

Total
$     1,479
$        822
$     2,850
$     5,151
$   548,954
$           554,105

Nonaccrual Loans

Loans are considered for non-accrual status upon reaching 90 days delinquency, although the Company may be receiving partial payments of interest and partial repayments of principal on such loans or if full payment of principal and interest is not expected. Additionally, if management is made aware of other information including bankruptcy, repossession, death, or legal proceedings, the loan may be placed on non-accrual status. If a loan is 90 days or more past due and is well secured and in the process of collection, it may still be considered accruing.

The following table reflects the financing receivables on non-accrual status as of September 30, 2015 and December 31, 2014, respectively. The balances are presented by class of financing receivable (in thousands):

September 30, 2015

December 31, 2014
Real estate loans:

     Mortgages
$                         729

$                   676
     Home Equity
                              65

                      152
     Commercial
                         4,441

                   5,010
     Agricultural
                              -

                        -
     Construction
                              -

                        -
Consumer
                              52

                        47
Other commercial loans
                         1,032

                      714
Other agricultural loans
                              -

                        -
State and political subdivision loans
                              -

                        -

$                      6,319

$                6,599

Troubled Debt Restructurings

In situations where, for economic or legal reasons related to a borrower's financial difficulties, management may grant a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a Troubled Debt Restructuring (TDR). Management strives to identify borrowers in financial difficulty early and work with them to modify more affordable terms before their loan reaches nonaccrual status. These modified terms may include rate reductions, principal forgiveness, payment forbearance and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. In cases where borrowers are granted new terms that provide for a reduction of interest or principal, or both, management measures any impairment on the restructuring by calculating the present value of the revised loan terms and comparing this balance to the Company’s investment in the loan prior to the restructuring. As these loans are individually evaluated, they are excluded from pooled portfolios when calculating the allowance for loan and lease losses and a separate allocation within the allowance for loan and lease losses is provided. Management continually evaluates loans that are considered TDRs, including payment history under the modified loan terms, the borrower’s ability to continue to repay the loan based on continued evaluation of their operating results and cash flows from operations. Based on this evaluation management would no longer consider a loan to be a TDR when the relevant facts support such a conclusion. As of September 30, 2015 and December 31, 2014, included within the allowance for loan losses are reserves of $39,000 and $26,000 respectively, that are associated with loans modified as TDRs.

There were no loan modifications that were considered TDRs during the three months ended September 30, 2015 or 2014. Loan modifications that are considered TDRs completed during the nine months ended September 30, 2015 and 2014 were as follows (dollars in thousands):

For the Nine Months Ended September 30, 2015

Number of contracts
Pre-modification Outstanding
Recorded Investment
Post-Modification
Outstanding Recorded
Investment

Interest
Modification
Term Modification
Interest
Modification
Term
Modification
Interest
Modification
Term
Modification
Real estate loans:

     Mortgages
                    1
                          1
$                 71
$                  19
$               71
  $               19
Total
                    1
                          1
$                 71
$                  19
$               71
$               19

For the Nine Months Ended September 30, 2014

Number of contracts
Pre-modification Outstanding
Recorded Investment
Post-Modification Outstanding
Recorded Investment

Interest
Modification
Term Modification
Interest
Modification
Term Modification
Interest
Modification
Term
Modification
Real estate loans:

     Commercial
                     -
2
$                   -
$                153
$                  -
$             153
Total
                     -
                         2
$                   -
$                153
$                  -
$             153

Recidivism, or the borrower defaulting on its obligation pursuant to a modified loan, results in the loan once again becoming a non-accrual loan. Recidivism occurs at a notably higher rate than do defaults on new origination loans, so modified loans present a higher risk of loss than do new origination loans. The following table presents the recorded investment in loans that were modified as TDRs during each 12-month period prior to the current reporting periods, which begin January 1, 2015 and 2014 (nine month periods) and July 1, 2015 and 2014 (3 month periods), respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):

For the Three Months Ended
For the Nine Months Ended

September 30, 2015
September 30, 2014
September 30, 2015
September 30, 2014

Number of
contracts
Recorded
investment
Number of
contracts
Recorded
investment
Number of
contracts
Recorded
investment
Number of
contracts
Recorded
investment
Real estate loans:

     Commercial
                   -
$              -
                   -
$              -
                   -
$              -
             1
$              483
Total recidivism
                   -
$              -
                   -
$              -
                   -
$              -
             1
$              483

Allowance for Loan Losses

The following table segregates the allowance for loan losses (ALLL) into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of September 30, 2015 and December 31, 2014, respectively (in thousands):

September 30, 2015

December 31, 2014

Individually
evaluated for
impairment
Collectively
evaluated for
impairment
Total

Individually
evaluated for
impairment
Collectively
evaluated for
impairment
Total
Real estate loans:

     Residential
$           39
$         874
$         913

$           25
$           853
$             878
     Commercial and agricultural
              34
         3,769
3,803

              72
           3,798
             3,870
     Construction
                 -
              17
17

                 -
                26
                  26
Consumer
                 -
              91
91

                 -
                84
                  84
Other commercial and agricultural loans
            123
         1,322
1,445

                1
           1,223
             1,224
State and political subdivision loans
                 -
            586
586

                 -
              545
                545
Unallocated
                 -
            190
190

                 -
              188
                188
Total
$         196
$      6,849
$      7,045

$           98
$        6,717
$          6,815

The following tables roll forward the balance of the ALLL by portfolio segment for the three and nine month periods ended September 30, 2015 and 2014, respectively (in thousands):

Balance at
June 30, 2015
Charge-offs
Recoveries
Provision
Balance at
September 30, 2015
Real estate loans:

     Residential
$         931
$              -
$              -
$       (18)
$         913
     Commercial and agricultural
         3,679
                 -
                4
          120
         3,803
     Construction
              14
                 -
                 -
              3
              17
Consumer
              89
             (11)
              13
               -
              91
Other commercial and agricultural loans
         1,502
             (40)
                 -
          (17)
         1,445
State and political subdivision loans
            568
                 -
                 -
            18
            586
Unallocated
            176
                 -
                 -
            14
            190
Total
$      6,959
$          (51)
$           17
$       120
$      7,045

Balance at
December 31, 2014
Charge-offs
Recoveries
Provision
Balance at
September 30, 2015
Real estate loans:

     Residential
$         878
$          (34)
$              -
$         69
$         913
     Commercial and agricultural
         3,870
             (56)
              11
          (22)
         3,803
     Construction
              26
                 -
                 -
            (9)
              17
Consumer
              84
             (35)
              25
            17
              91
Other commercial and agricultural loans
         1,224
             (41)
                 -
          262
         1,445
State and political subdivision loans
            545
                 -
                 -
            41
            586
Unallocated
            188
                 -
                 -
              2
            190
Total
$      6,815
$        (166)
$           36
$       360
$      7,045

Balance at
June 30, 2014
Charge-offs
Recoveries
Provision
Balance at
September 30, 2014
Real estate loans:

     Residential
$         879
$              -
$              -
$           7
$         886
     Commercial and agricultural
         3,809
             (11)
                4
          (99)
         3,703
     Construction
              13
                 -
                 -
            10
              23
Consumer
              86
             (26)
                6
            20
              86
Commercial and other loans
         1,151
             (58)
                 -
            70
         1,163
State and political subdivision loans
            455
                 -
                 -
            (5)
            450
Unallocated
            358
                 -
                 -
          147
            505
Total
$      6,751
$          (95)
$           10
$       150
$      6,816

Balance at December 31, 2013
Charge-offs
Recoveries
Provision
Balance at
September 30, 2014
Real estate loans:

     Residential
$         946
$          (45)
$              -
$       (15)
$         886
     Commercial and agricultural
         4,558
           (486)
                9
        (378)
         3,703
     Construction
              50
                 -
                 -
          (27)
              23
Consumer
            105
             (40)
              21
               -
              86
Commercial and other loans
            942
           (221)
                 -
          442
         1,163
State and political subdivision loans
            330
                 -
                 -
          120
            450
Unallocated
            167
                 -
                 -
          338
            505
Total
$      7,098
$        (792)
$           30
$       480
$      6,816

The Company allocates the ALLL based on the factors described below, which conform to the Company’s loan classification policy and credit quality measurements. In reviewing risk within the Company’s loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The ALLL consists of amounts applicable to: (i) residential real estate loans; (ii) residential real estate home equity loans; (iii) commercial real estate loans; (iv) agricultural real estate loans; (v) real estate construction loans; (vi) other commercial and agricultural loans; (vii) consumer loans; (viii) other agricultural loans and (ix) state and political subdivision loans. Factors considered in this process include general loan terms, collateral, and availability of historical data to support the analysis. Historical loss percentages are calculated and used as the basis for calculating allowance allocations. Certain qualitative factors are evaluated to determine additional inherent risks in the loan portfolio, which are not necessarily reflected in the historical loss percentages. These factors are then added to the historical allocation percentage to get the adjusted factor to be applied to non-classified loans. The following qualitative factors are analyzed:

·
Level of and trends in delinquencies and impaired/classified loans

Change in volume and severity of past due loans

Volume of non-accrual loans

Volume and severity of classified, adversely or graded loans;
·
Level of and trends in charge-offs and recoveries;
·
Trends in volume, terms and nature of the loan portfolio;
·
Effects of any changes in risk selection and underwriting standards and any other changes in lending and recovery policies, procedures and practices;
·
Changes in the quality of the Company’s loan review system;
·
Experience, ability and depth of lending management and other relevant staff;
·
National, state, regional and local economic trends and business conditions

General economic conditions

Unemployment rates

Inflation rate/ Consumer Price Index

Changes in values of underlying collateral for collateral-dependent loans;
·
Industry conditions including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses; and
·
Existence and effect of any credit concentrations, and changes in the level of such concentrations; and
·
Any change in the level of board oversight.

The Company also maintains an unallocated allowance to account for any factors or conditions that may cause a potential loss but are not specifically addressed in the process described above. The Company analyzes its loan portfolio each quarter to determine the appropriateness of its ALLL.

Loans determined to be TDRs are impaired and for purposes of estimating the ALLL must be individually evaluated for impairment. In calculating the impairment, the Company calculates the present value utilizing an analysis of discounted cash flows. If the present value calculated is below the recorded investment of the loan, impairment is recognized by a charge to the provision for loan and lease losses and a credit to the ALLL.

We continually review the model utilized in calculating the required ALLL. The following qualitative factors experienced changes during the first nine months of 2015:

·
The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all loan categories due to an increase in the unemployment rates in the local economy during the first nine months of 2015.
·
The qualitative factors for changes in levels of and trends in delinquencies and impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the amount of loans classified as substandard. While there has been an increase in delinquencies of commercial and agricultural real estate loans, the qualitative factor was not increased. The increase in delinquencies is attributable to one relationship, which is classified as impaired and management does not believe that this delinquency is a reflection of a further decrease in the credit quality of the commercial and agricultural real estate loan portfolio.
·
The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial and agricultural loans due to an increase in the amount of loans classified as substandard.
·
The qualitative factor for levels of and trends in charge-offs and recoveries was decreased for commercial and agricultural real estate and other commercial and agricultural loans due to the decrease in charge-offs compared to the prior year as charge-offs returned to historical norms for the Bank.
·
The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for commercial real estate, agricultural real estate, other commercial and other agricultural loans due to the length of time employees involved throughout the loan process have been in their positions.
·
The qualitative factor for industry conditions, including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses was increased for commercial and agricultural related loans due to the decrease in the price received for product sold and the increase in feed costs that has occurred in 2015, which negatively affected customer earnings.
·
The qualitative factor for levels of and trends in charge-offs and recoveries was increased for residential real estate loans due to the increase in charge-offs compared to historical norms for the Company.
·
The qualitative factors for changes in levels of and trends in delinquencies and impaired/classified loans was increased for residential mortgages due to increases in the amount of non-performing loans.

The following qualitative factors experienced changes during the three months ended September 30, 2015:
·
The qualitative factors for changes in levels of and trends in delinquencies and impaired/classified loans were increased for other agricultural loans due to an increase in the amount of classified loans.
·
The qualitative factor for levels of and trends in charge-offs and recoveries was increased for other commercial loans due to the increase in charge-offs during the quarter.

The primary factor that resulted in negative provision for commercial and agricultural loans for the nine month period ended September 30, 2015 was the reduction in the amount of special mention and substandard loans since December 31, 2014.

The following qualitative factors experienced changes during the first nine months of 2014:

·
The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for all loan categories due to a decrease in the unemployment rates in the local and state economy.
·
The qualitative factors for changes in levels of and trends in delinquencies and impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the Company’s classified loans to its lowest level in three years and a decrease in the amount of loans past due.
·
The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial loans due to an increase in classified loans during 2014.
·
The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial real estate and other commercial loans due to the increase in charge-offs compared to historical norms for the Bank.
·
The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for all loan categories due to the length of time employees involved throughout the loan process have been in their positions.

·
The qualitative factor for industry conditions, including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses was decreased for agricultural related loans due to the improvement in the agricultural economy during 2014.

The following qualitative factors experienced changes during the three months ended September 30, 2014:

·
The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial real estate and other commercial loans due to the increase in charge-offs compared to historical norms for the Bank.
·
The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for other commercial loans real estate due to the decrease in the amount of loans past due as of September 30, 2014.
·
The qualitative factor for industry conditions, including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses was decreased for agricultural related loans due to the improvement in the agricultural economy during 2014.

The primary factor that resulted in negative provisions for certain portfolio segments for the three and nine month periods in 2014 was due to decreases in the outstanding balances for certain portfolio segments compared to December 31, 2013, a reduction in the amount of substandard loans and the decrease in the qualitative factor associated with the improvement in unemployment rates noted above.

Foreclosed Assets Held For Sale

Foreclosed assets acquired in settlement of loans are carried at fair value, less estimated costs to sell, and are included in other assets on the Consolidated Balance Sheet. As of September 30, 2015 and December 31, 2014 included with other assets are $1,429,000 and $1,792,000, respectively, of foreclosed assets. As of September 30, 2015, included within the foreclosed assets is $305,000 of consumer residential mortgages that were foreclosed on or received via a deed in lieu transaction prior to the period end. As of September 30, 2015, the Company has initiated formal foreclosure proceedings on $1,256,000 of consumer residential mortgages, which have not yet been transferred into foreclosed assets.

X

- Definition
The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5066-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.3,4)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5162-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(k))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5074-111524

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Article 9

+ Details

Name: us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_ReceivablesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 40 R23.htm IDEA: XBRL DOCUMENT v3.3.0.814

Accumulated Comprehensive Income (Tables)
9 Months Ended

Sep. 30, 2015

Accumulated Comprehensive Income [Abstract]

Schedule of changes in accumulated other comprehensive income by component net of tax
The following tables present the changes in accumulated other comprehensive income by component net of tax for the three and nine months ended September 30, 2015 and 2014 (in thousands):

Three months ended September 30, 2015

Unrealized gain
(loss) on available
for sale securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of June 30, 2015
$                     2,430
$     (2,259)
$         171
Other comprehensive income (loss) before reclassifications, net of tax
                           722
               -
            722
Amounts reclassified from accumulated other

     comprehensive income (loss), net of tax
                           (85)
              34
             (51)
Net current period other comprehensive income
                           637
              34
            671
Balance as of September 30, 2015
$                     3,067
$     (2,225)
$         842

Nine months ended September 30, 2015

Unrealized gain
(loss) on available
for sale securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of December 31, 2014
$                     3,093
$     (2,326)
$         767
Other comprehensive income (loss) before reclassifications, net of tax
                           258
               -
            258
Amounts reclassified from accumulated other

     comprehensive income (loss), net of tax
                         (284)
            101
           (183)
Net current period other comprehensive income (loss)
                           (26)
            101
              75
Balance as of September 30, 2015
$                     3,067
$     (2,225)
$         842

Three months ended September 30, 2014

Unrealized gain (loss)
on available for sale
securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of June 30, 2014
$                     2,201
$     (1,101)
$      1,100
Other comprehensive income (loss) before reclassifications, net of tax
                           564
               -
            564
Amounts reclassified from accumulated other

     comprehensive income (loss), net of tax
                         (160)
                9
           (151)
Net current period other comprehensive income
                           404
                9
            413
Balance as of September  30, 2014
$                     2,605
$     (1,092)
$      1,513

Nine months ended September 30, 2014

Unrealized gain (loss)
on available for sale
securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of December 31, 2013
$                      (108)
$     (1,117)
$     (1,225)
Other comprehensive income (loss) before reclassifications, net of tax
                        3,035
               -
         3,035
Amounts reclassified from accumulated other

     comprehensive income (loss), net of tax
                         (322)
              25
           (297)
Net current period other comprehensive income
                        2,713
              25
         2,738
Balance as of September  30, 2014
$                     2,605
$     (1,092)
$      1,513

(a) Amounts in parentheses indicate debits to the Consolidated Balance Sheet

Schedule of the significant amounts reclassified out of each component of accumulated other comprehensive income
The following table presents the significant amounts reclassified out of each component of accumulated other comprehensive income for the three and nine months ended September 30, 2015 and 2014 (in thousands):

Details about accumulated other comprehensive income (loss)
Amount reclassified from accumulated comprehensive income (loss) (a)

Affected line item in the income statement where net Income is presented

Three Months Ended  September 30,

2015
2014

Unrealized gains and losses on available for sale securities

$                          129
$                    242

Investment securities gains, net

                             (44)
                       (82)

Provision for income taxes

$                            85
$                    160

Net of tax
Defined benefit pension items

$                          (51)
$                    (13)

Salaries and employee benefits

                               17
                           4

Provision for income taxes

$                          (34)
$                      (9)

Net of tax
Total reclassifications
$                            51
$                    151

Nine Months Ended  September 30,

2015
2014

Unrealized gains and losses on available for sale securities

$                          430
$                    488

Investment securities gains, net

                           (146)
                     (166)

Provision for income taxes

$                          284
$                    322

Net of tax
Defined benefit pension items

$                        (153)
$                    (38)

Salaries and employee benefits

                               52
                         13

Provision for income taxes

$                        (101)
$                    (25)

Net of tax
Total reclassifications
$                          183
$                    297

(a) Amounts in parentheses indicate expenses and other amounts indicate income

X

- References
No definition available.
+ Details

Name: czfs_AccumulatedComprehensiveIncomeAbstract

Namespace Prefix: czfs_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of information about items reclassified out of accumulated other comprehensive income (loss).
+ References
No definition available.
+ Details

Name: us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the components of accumulated other comprehensive income (loss).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669686-108580

+ Details

Name: us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 41 R19.htm IDEA: XBRL DOCUMENT v3.3.0.814

Investments (Tables)
9 Months Ended

Sep. 30, 2015

Investments [Abstract]

Summary of amortized cost, gross unrealized gains and losses, and fair value of investment securities
The amortized cost, gross unrealized gains and losses, and fair value of investment securities at September 30, 2015 and December 31, 2014 were as follows (in thousands):

Gross
Gross

Amortized
Unrealized
Unrealized
Fair
September 30, 2015
Cost
Gains
Losses
Value
Available-for-sale securities:

  U.S. agency securities
$    163,012
$               1,113
$              (23)
$       164,102
  Obligations of state and political subdivisions
         95,374
                  2,946
               (155)
            98,165
  Corporate obligations
         12,643
                     103
                 (39)
            12,707
  Mortgage-backed securities in

    government sponsored entities
         23,635
                     305
                 (41)
            23,899
  Equity securities in financial institutions
           1,319
                     448
                 (10)
              1,757
Total available-for-sale securities
$    295,983
$               4,915
$            (268)
$       300,630

December 31, 2014

Available-for-sale securities:

  U.S. agency securities
$    150,847
$                  638
$            (600)
$       150,885
  U.S. treasury securities
           4,944
                          -
                 (95)
              4,849
  Obligations of state and political subdivisions
       101,281
                  3,854
                 (99)
          105,036
  Corporate obligations
         13,853
                     190
                 (85)
            13,958
  Mortgage-backed securities in

    government sponsored entities
         29,397
                     368
                 (37)
            29,728
  Equity securities in financial institutions
           1,137
                     553
                      -
              1,690
Total available-for-sale securities
$    301,459
$               5,603
$            (916)
$       306,146

Unrealized losses and fair value of investments
The following table shows the Company’s gross unrealized losses and fair value of the Company’s investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment category and length of time, which individual securities have been in a continuous unrealized loss position, at September 30, 2015 and December 31, 2014 (in thousands). As of September 30, 2015, the Company owned 46 securities whose fair value was less than their cost basis.

September 30, 2015
Less than Twelve Months
Twelve Months or Greater
Total

Gross

Gross

Gross

Fair
Unrealized
Fair
Unrealized
Fair
Unrealized

Value
Losses
Value
Losses
Value
Losses
U.S. agency securities
$        10,067
$          (16)
$        10,986
$            (7)
$        21,053
$             (23)
Obligations of state and political subdivisions
17,133
(104)
             4,747
             (51)
21,880
(155)
Corporate obligations
             5,399
              (23)
             2,167
             (16)
7,566
(39)
Mortgage-backed securities in

   government sponsored entities
4,317
(31)
                250
             (10)
4,567
(41)
Equity securities in financial institutions
590
(10)
                     -
                  -
590
(10)
    Total securities
$        37,506
$        (184)
$        18,150
$          (84)
$        55,656
$           (268)

December 31, 2014

U.S. agency securities
$        27,382
$        (110)
$        43,642
$        (490)
$        71,024
$           (600)
U.S. treasury securities
                     -
                   -
             4,849
             (95)
             4,849
                (95)
Obligations of state and political subdivisions
             3,596
              (19)
             8,584
             (80)
           12,180
                (99)
Corporate obligations
                505
                (1)
             7,707
             (84)
             8,212
                (85)
Mortgage-backed securities in

     government sponsored entities
             5,025
                (4)
             2,229
             (33)
             7,254
                (37)
    Total securities
$        36,508
$        (134)
$        67,011
$        (782)
$      103,519
$           (916)

Gross gains and losses on available-for-sale securities
The gross gains and losses were as follows (in thousands):

Three Months Ended
Nine Months Ended

September 30,
September 30,

2015
2014
2015
2014
Gross gains
$           129
$                    242
$              441
$              488
Gross losses
                   -
                          -
                 (11)
                      -
Net gains
$           129
$                    242
$              430
$             488

Summary of amortized cost and fair value of debt securities by contractual maturity
The amortized cost and fair value of debt securities at September 30, 2015, by contractual maturity, are shown below (in thousands):

Amortized

Cost
Fair Value
Available-for-sale debt securities:

  Due in one year or less
$        6,593
$               6,606
  Due after one year through five years
       161,984
              163,761
  Due after five years through ten years
         44,998
                46,018
  Due after ten years
         81,089
                82,488
Total
$    294,664
$           298,873

X

- Definition
Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments.
+ References
No definition available.
+ Details

Name: us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of realized gains and losses on investments reported in the statement of income.
+ References
No definition available.
+ Details

Name: us-gaap_RealizedGainLossOnInvestmentsTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the reconciliation of available-for-sale securities from cost basis to fair value.
+ References
No definition available.
+ Details

Name: us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
For all investments in an unrealized loss position, including those for which other-than-temporary impairments have not been recognized in earnings (including investments for which a portion of an other-than-temporary impairment has been recognized in other comprehensive income), a tabular disclosure of the aggregate related fair value of investments with unrealized losses and the aggregate amount of unrealized losses (that is, the amount by which amortized cost basis exceeds fair value).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

+ Details

Name: us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 42 R15.htm IDEA: XBRL DOCUMENT v3.3.0.814

Accumulated Comprehensive Income
9 Months Ended

Sep. 30, 2015

Accumulated Comprehensive Income [Abstract]

Accumulated Comprehensive Income
Note 9 – Accumulated Comprehensive Income

The following tables present the changes in accumulated other comprehensive income by component net of tax for the three and nine months ended September 30, 2015 and 2014 (in thousands):

Three months ended September 30, 2015

Unrealized gain
(loss) on available
for sale securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of June 30, 2015
$                     2,430
$     (2,259)
$         171
Other comprehensive income (loss) before reclassifications, net of tax
                           722
               -
            722
Amounts reclassified from accumulated other

     comprehensive income (loss), net of tax
                           (85)
              34
             (51)
Net current period other comprehensive income
                           637
              34
            671
Balance as of September 30, 2015
$                     3,067
$     (2,225)
$         842

Nine months ended September 30, 2015

Unrealized gain
(loss) on available
for sale securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of December 31, 2014
$                     3,093
$     (2,326)
$         767
Other comprehensive income (loss) before reclassifications, net of tax
                           258
               -
            258
Amounts reclassified from accumulated other

     comprehensive income (loss), net of tax
                         (284)
            101
           (183)
Net current period other comprehensive income (loss)
                           (26)
            101
              75
Balance as of September 30, 2015
$                     3,067
$     (2,225)
$         842

Three months ended September 30, 2014

Unrealized gain (loss)
on available for sale
securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of June 30, 2014
$                     2,201
$     (1,101)
$      1,100
Other comprehensive income (loss) before reclassifications, net of tax
                           564
               -
            564
Amounts reclassified from accumulated other

     comprehensive income (loss), net of tax
                         (160)
                9
           (151)
Net current period other comprehensive income
                           404
                9
            413
Balance as of September  30, 2014
$                     2,605
$     (1,092)
$      1,513

Nine months ended September 30, 2014

Unrealized gain (loss)
on available for sale
securities (a)
Defined Benefit
Pension Items (a)
Total
Balance as of December 31, 2013
$                      (108)
$     (1,117)
$     (1,225)
Other comprehensive income (loss) before reclassifications, net of tax
                        3,035
               -
         3,035
Amounts reclassified from accumulated other

     comprehensive income (loss), net of tax
                         (322)
              25
           (297)
Net current period other comprehensive income
                        2,713
              25
         2,738
Balance as of September  30, 2014
$                     2,605
$     (1,092)
$      1,513

(a) Amounts in parentheses indicate debits to the Consolidated Balance Sheet

The following table presents the significant amounts reclassified out of each component of accumulated other comprehensive income for the three and nine months ended September 30, 2015 and 2014 (in thousands):

Details about accumulated other comprehensive income (loss)
Amount reclassified from accumulated comprehensive income (loss) (a)

Affected line item in the income statement where net Income is presented

Three Months Ended  September 30,

2015
2014

Unrealized gains and losses on available for sale securities

$                          129
$                    242

Investment securities gains, net

                             (44)
                       (82)

Provision for income taxes

$                            85
$                    160

Net of tax
Defined benefit pension items

$                          (51)
$                    (13)

Salaries and employee benefits

                               17
                           4

Provision for income taxes

$                          (34)
$                      (9)

Net of tax
Total reclassifications
$                            51
$                    151

Nine Months Ended  September 30,

2015
2014

Unrealized gains and losses on available for sale securities

$                          430
$                    488

Investment securities gains, net

                           (146)
                     (166)

Provision for income taxes

$                          284
$                    322

Net of tax
Defined benefit pension items

$                        (153)
$                    (38)

Salaries and employee benefits

                               52
                         13

Provision for income taxes

$                        (101)
$                    (25)

Net of tax
Total reclassifications
$                          183
$                    297

(a) Amounts in parentheses indicate expenses and other amounts indicate income

X

- References
No definition available.
+ Details

Name: czfs_AccumulatedComprehensiveIncomeAbstract

Namespace Prefix: czfs_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for comprehensive income, which includes, but is not limited to, 1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e689-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 1A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669619-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e640-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 17

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e716-108580

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 16

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e709-108580

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.3-04)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e681-108580

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Reclassification Adjustments

-URI http://asc.fasb.org/extlink&oid=6522872

+ Details

Name: us-gaap_ComprehensiveIncomeNoteTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 43 R13.htm IDEA: XBRL DOCUMENT v3.3.0.814

Repurchase Agreements
9 Months Ended

Sep. 30, 2015

Repurchase Agreements [Abstract]

Repurchase Agreements
Note 7 – Repurchase Agreements

We utilize securities sold under agreements to repurchase to facilitate the needs of our customers and to facilitate secured short-term funding needs. Securities sold under agreements to repurchase are stated at the amount of cash received in connection with the transaction. We monitor collateral levels on a continuous basis. We may be required to provide additional collateral based on the fair value of the underlying securities. Securities pledged as collateral under repurchase agreements are maintained with our safekeeping agents.

The remaining contractual maturity of repurchase agreements in the Consolidated Balance Sheets as of September 30, 2015 and December 31, 2014 is presented in the following tables.

Remaining Contractual Maturity of the Agreements

Overnight and
Up to

Greater than

September 30, 2015

Continuous
30 Days
30 - 90 Days
90 days
Total
Repurchase Agreements:

U.S. agency securities

$         6,112,000
$                  -
$                  -
$        2,070,000
$                      -
Total carrying value of collateral pledged
$         6,112,000
$                  -
$                  -
$        2,070,000
$       8,182,000

Total liability recognized for repurchase agreements

$       5,728,000

Remaining Contractual Maturity of the Agreements

Overnight and
Up to

Greater than

December 31, 2014

Continuous
30 Days
30 - 90 Days
90 days
Total
Repurchase Agreements:

U.S. agency securities

$       10,368,000
$      1,015,000
$                  -
$        2,940,000
$                       -
Total carrying value of collateral pledged
$       10,368,000
$      1,015,000
$                  -
$        2,940,000
$      14,323,000

Total liability recognized for repurchase agreements

$       5,906,000

X

- References
No definition available.
+ Details

Name: us-gaap_DisclosureOfRepurchaseAgreementsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for repurchase agreements (also known as repos), resale agreements (also known as reverse repurchase agreements or reverse repos), securities borrowed transactions, and securities loaned transactions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 30

-Section 50

-Paragraph 1A

-URI http://asc.fasb.org/extlink&oid=55761124&loc=SL6224234-111729

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(m))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

+ Details

Name: us-gaap_RepurchaseAgreementsResaleAgreementsSecuritiesBorrowedAndSecuritiesLoanedDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 44 R14.htm IDEA: XBRL DOCUMENT v3.3.0.814

Employee Benefit Plans
9 Months Ended

Sep. 30, 2015

Employee Benefit Plans [Abstract]

Employee Benefit Plans
Note 8 - Employee Benefit Plans

For additional detailed disclosure on the Company's pension and employee benefits plans, please refer to Note 11 of the Company's Consolidated Financial Statements included in the 2014 Annual Report on Form 10-K.

Noncontributory Defined Benefit Pension Plan

The Bank sponsors a noncontributory defined benefit pension plan (“Pension Plan”) covering substantially all employees and officers that were hired prior to January 1, 2007. The Bank’s funding policy is to make annual contributions, if needed, based upon the funding formula developed by the plan’s actuary. Any employee with a hire date of January 1, 2007 or later is not eligible to participate in the Pension Plan. In lieu of the Pension Plan, employees with a hire date of January 1, 2007 or later are eligible to receive, after meeting certain length of service requirements, an annual discretionary 401(k) plan contribution from the Bank equal to a percentage of an employee’s base compensation.  The contribution amount, if any, is placed in a separate account within the 401(k) plan and is subject to a vesting requirement.

For employees who are eligible to participate in the Pension Plan, the Pension Plan requires benefits to be paid to eligible employees based primarily upon age and compensation rates during employment.  Upon retirement or other termination of employment, employees can elect either an annuity benefit or a lump sum distribution of vested benefits in the Pension Plan.

The following sets forth the components of net periodic benefit costs of the Pension Plan for the three and nine months ended September 30, 2015 and 2014, respectively (in thousands):

Three Months Ended
Nine Months Ended

September 30,
September 30,

2015
2014
2015
2014
Service cost
$             110
$          77
$             242
$                  230
Interest cost
                128
    104
                281
                     311
Expected return on plan assets
              (243)
  (197)
              (533)
                    (590)
Net amortization and deferral
                   65
      13
                141
                       38
Net periodic benefit cost
$               60
$          (3)
$             131
$                   (11)

The Company has contributed $400,000 to the Pension Plan in 2015.

Defined Contribution Plan

The Company sponsors a voluntary 401(k) savings plan which eligible employees can elect to contribute up to the maximum amount allowable not to exceed the limits of IRS Code Sections 401(k).  Under the plan, the Company also makes required contributions on behalf of the eligible employees.  The Company’s contributions vest immediately. Contributions by the Company totaled $215,000 and $201,000 for the nine months ended September 30, 2015 and 2014, respectively. For the three months ended September 30, 2015 and 2014, contributions by the Company totaled $60,000 and $55,000, respectively.

Directors’ Deferred Compensation Plan

The Company’s directors may elect to defer all or portions of their fees until their retirement or termination from service.  Amounts deferred under the plan earn interest based upon the highest current rate offered to certificate of deposit customers.  Amounts deferred under the plan are not guaranteed and represent a general liability of the Company.  At September 30, 2015 and December 31, 2014, an obligation of $952,000 and $969,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet. Amounts included in interest expense on the deferred amounts totaled $5,000 and $4,000 for each of the three months ended September 30, 2015 and 2014. For the nine months ended September 30, 2015 and 2014, amounts included in interest expense on the deferred amounts totaled $17,000 and $15,000, respectively.

Restricted Stock Plan

The Company maintains a Restricted Stock Plan (the “Plan”) whereby employees and non-employee corporate directors are eligible to receive awards of restricted stock based upon performance related requirements. Awards granted under the Plan are in the form of the Company’s common stock and are subject to certain vesting requirements including continuous employment or service with the Company. A total of 100,000 shares of the Company’s common stock have been authorized under the Plan, which terminates in April 2016. As of September 30, 2015, 60,662 shares remain available to be issued under the Plan. The Plan assists the Company in attracting, retaining and motivating employees to make substantial contributions to the success of the Company and to increase the emphasis on the use of equity as a key component of compensation.

The following table details the vesting, awarding and forfeiting of restricted shares during 2015 and 2014:

Three months ended September 30,
Nine months ended September 30,

2015
2014
2015
2014

Weighted

Weighted

Weighted

Weighted

Unvested
Average
Unvested
Average
Unvested
Average
Unvested
Average

Shares
Market Price
Shares
Market Price
Shares
Market Price
Shares
Market Price
Outstanding, beginning of period
         7,018
$          50.63
   7,187
$     48.28
               6,971
$          48.55
   7,172
$      42.02
Granted
                 -
                     -
           -
-
               3,496
             50.02
   3,598
52.82
Forfeited
           (139)
             51.49
         (7)
37.10
                (139)
             51.49
         (7)
         37.10
Vested
                 -
                     -
           -
-
             (3,449)
             45.80
  (3,583)
40.30
Outstanding, end of period
         6,879
$          50.61
   7,180
$     48.29
               6,879
$          50.61
   7,180
$      48.29

Compensation cost related to restricted stock is recognized based on the market price of the stock at the grant date over the vesting period. Compensation expense related to restricted stock was $129,000 and $115,000 for the nine months ended September 30, 2015 and 2014, respectively. For the three months ended September 30, 2015 and 2014, compensation expense totaled $44,000 and $42,000, respectively. At September 30, 2015 the total compensation cost related to nonvested awards that has not yet been recognized was $349,000, which is expected to be recognized over the next 2.58 years.

Supplemental Executive Retirement Plan

The Company maintains a non-qualified supplemental executive retirement plan (“SERP”) for certain executives to compensate those executive participants in the Company’s noncontributory defined benefit pension plan whose benefits are limited by compensation limitations under current tax law. At September 30, 2015 and December 31, 2014, an obligation of $1,304,000 and $1,198,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet. Expenses related to this plan totaled $106,000 and $114,000 for the nine months ended September 30, 2015 and 2014, respectively. For the three months ended September 30, 2015 and 2014, expenses totaled $35,000 and $38,000, respectively.

X

- Definition
The entire disclosure for an entity's employee compensation and benefit plans, including, but not limited to, postemployment and postretirement benefit plans, defined benefit pension plans, defined contribution plans, non-qualified and supplemental benefit plans, deferred compensation, share-based compensation, life insurance, severance, health care, unemployment and other benefit plans.
+ References
No definition available.
+ Details

Name: us-gaap_CompensationAndEmployeeBenefitPlansTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_CompensationAndRetirementDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 45 R16.htm IDEA: XBRL DOCUMENT v3.3.0.814

Fair Value Measurements
9 Months Ended

Sep. 30, 2015

Fair Value Measurements [Abstract]

Fair Value Measurements
Note 10 – Fair Value Measurements

The Company established a hierarchal disclosure framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined by this hierarchy are as follows:

Level I:
Quoted prices are available in active markets for identical assets or liabilities as of the reported date.

Level II:
Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities include items for which quoted prices are available but traded less frequently, and items that are fair valued using other financial instruments, the parameters of which can be directly observed.

Level III:
Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.

A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below.

In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality, the Company's creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. Our valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Transfers between levels of the fair value hierarchy are recognized on the actual date of the event or circumstances that caused the transfer, which generally coincides with the Company’s monthly and/or quarterly valuation process.

Financial Instruments Recorded at Fair Value on a Recurring Basis

The fair values of securities available for sale are determined by quoted prices in active markets, when available, and classified as Level I. If quoted market prices are not available, the fair value is determined by a matrix pricing, which is a mathematical technique, widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities and classified as Level II. The fair values consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things.

The following tables present the assets and liabilities reported on the Consolidated Balance Sheet at their fair value on a recurring basis as of September 30, 2015 and December 31, 2014 by level within the fair value hierarchy (in thousands). Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.

September 30, 2015

Level I

Level II

Level III

Total
Assets

  Securities available for sale:

     U.S. Agency securities

$                -

$             164,102

$                    -

$             164,102
     Obligations of state and

        political subdivisions

                   -

98,165

                       -

98,165
     Corporate obligations

                   -

12,707

                       -

12,707
     Mortgage-backed securities in

       government sponsored entities

                   -

23,899

                       -

23,899
     Equity securities in financial

       institutions

           1,757

                            -

                       -

1,757

December 31, 2014

Level I

Level II

Level III

Total
Securities available for sale:

     U.S. agency securities

$                -

$             150,885

$                    -

$             150,885
     U.S. treasuries securities

                   -

4,849

                       -

4,849
     Obligations of state and

       political subdivisions

                   -

105,036

                       -

105,036
     Corporate obligations

                   -

13,958

                       -

13,958
     Mortgage-backed securities in

       government sponsored entities

                   -

29,728

                       -

29,728
     Equity securities in financial

       institutions

           1,690

                            -

                       -

1,690

Financial Instruments, Non-Financial Assets and Non-Financial Liabilities Recorded at Fair Value on a Nonrecurring Basis

The Company may be required, from time to time, to measure certain financial assets, financial liabilities, non-financial assets and non-financial liabilities at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles. These include assets that are measured at the lower of cost or market value that were recognized at fair value below cost at the end of the period. Certain non-financial assets measured at fair value on a non-recurring basis include foreclosed assets (upon initial recognition or subsequent impairment).

Non-financial assets measured at fair value on a non-recurring basis during 2015 and 2014 include certain foreclosed assets which, upon initial recognition, were remeasured and reported at fair value through a charge-off to the allowance for possible loan losses and certain foreclosed assets which, subsequent to their initial recognition, were remeasured at fair value through a write-down included in other non-interest expense.

·
Impaired Loans - Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment using one of several methods, including collateral value, liquidation value and discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. Collateral values are estimated using Level II inputs based on observable market data and Level III inputs based on customized discounting criteria. For a majority of impaired real estate related loans, the Company obtains a current external appraisal. Other valuation techniques are used as well, including internal valuations, comparable property analysis and contractual sales information.
·
Other Real Estate owned – Other real estate owned, which is obtained through the Bank’s foreclosure process, is valued utilizing the appraised collateral value. Collateral values are estimated using Level II inputs based on observable market data and Level III inputs based on customized discounting criteria. At the time the foreclosure is completed, the Company obtains an updated external appraisal.

Assets measured at fair value on a nonrecurring basis as of September 30, 2015 and December 31, 2014 are included in the table below (in thousands):

September 30, 2015

Level I

Level II

Level III

Total
Impaired Loans

$                -

$                         -

$            7,954

$                 7,954
Other real estate owned

                   -

                            -

1,429

1,429

December 31, 2014

Impaired Loans

$                -

$                         -

$            8,724

$                 8,724
Other real estate owned

                   -

                            -

               1,792

1,792

The following table provides a listing of the significant unobservable inputs used in the fair value measurement process for items valued utilizing level III techniques (dollars in thousands).

September 30, 2015
Fair Value

Valuation Technique(s)
Unobservable input
Range
Weighted average
Impaired Loans
$  206

Discounted Cash Flows
Discount in interest rates
0-5.5%
3.19%

  7,748

Appraised Collateral Values
Discount for time since appraisal
0-30%
16.66%

Selling costs
5%-10%
13.25%

Holding period
0 - 18 months
12 months

Other real estate owned
  1,429

Appraised Collateral Values
Discount for time since appraisal
0-20%
20%

Selling costs
4%-10%
9%

Holding period
0 - 18 months
12 months

December 31, 2014
Fair Value

Valuation Technique(s)
Unobservable input
Range

Impaired Loans
$  230

Discounted Cash Flows
Discount in interest rates
0-5.5%
1.99%

  8,494

Appraised Collateral Values
Discount for time since appraisal
0-30%
22.00%

Selling costs
4%-10%
8.55%

Holding period
0 - 18 months
15 months

Other real estate owned
  1,792

Appraised Collateral Values
Discount for time since appraisal
0-20%
20%

Selling costs
4%-10%
9%

Holding period
0 - 18 months
12 months

The fair values of the Company’s financial instruments are as follows (in thousands):

Carrying

September 30, 2015
Amount
Fair Value
Level I
Level II
Level III
Financial assets:

Cash and due from banks
$   10,314
$   10,314
$   10,314
$          -
$             -
Interest bearing time deposits with other banks
        6,460
        6,465
                -
             -
6,465
Available-for-sale securities
    300,630
    300,630
        1,757
298,873

Loans held for sale
        1,248
        1,248
        1,248

Net loans
    575,964
    605,361
                -
             -
    605,361
Bank owned life insurance
      20,773
      20,773
      20,773
             -
                -
Regulatory stock
        1,983
        1,983
        1,983
             -
                -
Accrued interest receivable
        3,566
        3,566
3,566
             -
                -

Financial liabilities:

Deposits
$ 797,848
$ 799,026
$ 550,646
$          -
$ 248,380
Borrowed funds
      44,657
      41,978
      12,882
             -
      29,096
Accrued interest payable
           693
           693
693
             -
                -

Carrying

December 31, 2014
Amount
Fair Value
Level I
Level II
Level III
Financial assets:

Cash and due from banks
$   11,423
$   11,423
$   11,423
$          -
$             -
Interest bearing time deposits with other banks
        5,960
        5,969
                -
             -
        5,969
Available-for-sale securities
    306,146
    306,146
        1,690
304,456
                -
Loans held for sale
           497
           497
           497

Net loans
    547,290
    564,944
                -
             -
    564,944
Bank owned life insurance
      20,309
      20,309
      20,309
             -
                -
Regulatory stock
        2,035
        2,035
        2,035
             -
                -
Accrued interest receivable
        3,644
        3,644
        3,644
             -
                -

Financial liabilities:

Deposits
$ 773,933
$ 774,387
$ 525,166
$          -
$ 249,221
Borrowed funds
      41,799
      38,219
      16,593
             -
      21,626
Accrued interest payable
           756
           756
756
             -
                -

Fair value is determined based on relevant market information and information about the financial instrument.  These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument.  Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions can significantly affect the estimates.

Fair values have been determined by the Company using historical data, as generally provided in the Company’s regulatory reports, and an estimation methodology suitable for each category of financial instruments. The Company’s fair value estimates, methods and assumptions are set forth below for the Company’s other financial instruments.

Cash and Cash Equivalents:

The carrying amounts for cash and cash equivalents approximate fair value because they have original maturities of 90 days or less and do not present unanticipated credit concerns.

Accrued Interest Receivable and Payable:

The carrying amounts for accrued interest receivable and payable approximate fair value because they are generally received or paid in 90 days or less and do not present unanticipated credit concerns.

Interest bearing time deposits with other banks:

The fair value of interest bearing time deposits with other banks is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.

Available-For-Sale Securities:

The fair values of securities available for sale are determined by quoted prices in active markets, when available, and classified as Level I. If quoted market prices are not available, the fair value is determined by a matrix pricing, which is a mathematical technique, widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities and classified as Level II. The fair values consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things.

Loans held for sale:

The carrying amount for loans held for sale approximates fair value as the loans are only held for less than a week from origination.

Loans:

Fair values are estimated for portfolios of loans with similar financial characteristics.  The fair value of performing loans has been estimated by discounting expected future cash flows. The discount rate used in these calculations is derived from the Treasury yield curve adjusted for credit quality, operating expense and prepayment option price, and is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan. The estimate of maturity is based on the Company’s historical experience with repayments for each loan classification, modified as required by an estimate of the effect of current economic and lending conditions.

Bank Owned Life Insurance:

The carrying value of bank owned life insurance approximates fair value based on applicable redemption provisions.

Regulatory Stock:

The carrying value of regulatory stock approximates fair value based on applicable redemption provisions.

Deposits:

The fair value of deposits with no stated maturity, such as noninterest-bearing demand deposits, savings and NOW accounts, and money market accounts, is equal to the amount payable on demand. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.

The deposits’ fair value estimates do not include the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market, commonly referred to as the core deposit intangible.

Borrowed Funds:

Rates available to the Company for borrowed funds with similar terms and remaining maturities are used to estimate the fair value of borrowed funds.

X

- References
No definition available.
+ Details

Name: us-gaap_FairValueDisclosuresAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 30

-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14064-108612

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 21

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13537-108611

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 16

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13504-108611

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 10

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13433-108611

+ Details

Name: us-gaap_FairValueDisclosuresTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 46 R34.htm IDEA: XBRL DOCUMENT v3.3.0.814

Repurchase Agreements (Details) - USD ($)

Sep. 30, 2015

Dec. 31, 2014

Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]

Total carrying value of collateral pledged $ 8,182,000 $ 14,323,000

Total liability recognized for repurchase agreements 5,728,000 5,906,000

U.S. Agency Securities [Member]

Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]

Total carrying value of collateral pledged 0 0

Overnight and Continuous [Member]

Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]

Total carrying value of collateral pledged 6,112,000 10,368,000

Overnight and Continuous [Member] | U.S. Agency Securities [Member]

Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]

Total carrying value of collateral pledged 6,112,000 10,368,000

Up to 30 Days [Member]

Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]

Total carrying value of collateral pledged 0 1,015,000

Up to 30 Days [Member] | U.S. Agency Securities [Member]

Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]

Total carrying value of collateral pledged 0 1,015,000

30 - 90 Days [Member]

Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]

Total carrying value of collateral pledged 0 0

30 - 90 Days [Member] | U.S. Agency Securities [Member]

Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]

Total carrying value of collateral pledged 0 0

Greater than 90 Days [Member]

Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]

Total carrying value of collateral pledged 2,070,000 2,940,000

Greater than 90 Days [Member] | U.S. Agency Securities [Member]

Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]

Total carrying value of collateral pledged $ 2,070,000 $ 2,940,000

X

- Definition
Amount, after the effects of master netting arrangements, of funds outstanding borrowed in the form of a security repurchase agreement between the entity and another party for the sale and repurchase of identical or substantially the same securities at a date certain for a specified price. Includes liabilities not subject to a master netting arrangement and not elected to be offset.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 20

-Section 50

-Paragraph 3

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=51824906&loc=SL20225862-175312

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(m)(1)(a)(i))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.13(1))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 20

-Section 55

-Paragraph 10

-URI http://asc.fasb.org/extlink&oid=51825145&loc=SL20226008-175313

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 20

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=49176635&loc=d3e9760-107771

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Repurchase Agreement Accounted for as a Collateralized Borrowing

-URI http://asc.fasb.org/extlink&oid=49203159

+ Details

Name: us-gaap_SecuritiesSoldUnderAgreementsToRepurchase

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount, before effects of master netting arrangements, of funds outstanding borrowed in the form of a security repurchase agreement between the entity and another party for the sale and repurchase of identical or substantially the same securities at a date certain for a specified price. Includes liabilities elected not to be offset. Excludes liabilities not subject to a master netting arrangement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 20

-Section 55

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=51825145&loc=SL20226000-175313

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Repurchase Agreement Accounted for as a Collateralized Borrowing

-URI http://asc.fasb.org/extlink&oid=49203159

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 20

-Section 50

-Paragraph 3

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=51824906&loc=SL20225862-175312

+ Details

Name: us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_TransferOfCertainFinancialAssetsAccountedForAsSecuredBorrowingsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis=czfs_MaturityOvernightAndContinuousMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis=us-gaap_MaturityUpTo30DaysMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis=us-gaap_Maturity30To90DaysMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis=us-gaap_MaturityOver90DaysMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 47 R21.htm IDEA: XBRL DOCUMENT v3.3.0.814

Repurchase Agreements (Tables)
9 Months Ended

Sep. 30, 2015

Repurchase Agreements [Abstract]

Remaining contractual maturity of repurchase agreements
The remaining contractual maturity of repurchase agreements in the Consolidated Balance Sheets as of September 30, 2015 and December 31, 2014 is presented in the following tables.

Remaining Contractual Maturity of the Agreements

Overnight and
Up to

Greater than

September 30, 2015

Continuous
30 Days
30 - 90 Days
90 days
Total
Repurchase Agreements:

U.S. agency securities

$         6,112,000
$                  -
$                  -
$        2,070,000
$                      -
Total carrying value of collateral pledged
$         6,112,000
$                  -
$                  -
$        2,070,000
$       8,182,000

Total liability recognized for repurchase agreements

$       5,728,000

Remaining Contractual Maturity of the Agreements

Overnight and
Up to

Greater than

December 31, 2014

Continuous
30 Days
30 - 90 Days
90 days
Total
Repurchase Agreements:

U.S. agency securities

$       10,368,000
$      1,015,000
$                  -
$        2,940,000
$                       -
Total carrying value of collateral pledged
$       10,368,000
$      1,015,000
$                  -
$        2,940,000
$      14,323,000

Total liability recognized for repurchase agreements

$       5,906,000

X

- References
No definition available.
+ Details

Name: us-gaap_DisclosureOfRepurchaseAgreementsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for repurchase agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(m)(1))

-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

+ Details

Name: us-gaap_ScheduleOfRepurchaseAgreements

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 48 R26.htm IDEA: XBRL DOCUMENT v3.3.0.814

Income Tax Expense (Details)
3 Months Ended 9 Months Ended 12 Months Ended

Sep. 30, 2015

USD ($)

Partnership

Sep. 30, 2015

USD ($)

Dec. 31, 2014

USD ($)

Partnership

Income Tax Expense [Abstract]

Investments in number of partnerships | Partnership 4 4

Investment amount in partnerships $ 1,024,000 $ 1,024,000 $ 1,218,000

Tax Credit Carryforward [Line Items]

Investment tax credits $ 1,094,000 1,094,000

Investment Tax Credit Carryforward [Member]

Tax Credit Carryforward [Line Items]

Tax credits recognition period 7 years

Tax credits recognized as reduction of tax expense amount $ 50,000 $ 149,000

X

- Definition
Represents company investments in number of partnerships.
+ References
No definition available.
+ Details

Name: czfs_InvestmentsInNumberOfPartnerships

Namespace Prefix: czfs_

Data Type: xbrli:integerItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount of recognized income tax credits during the period.
+ References
No definition available.
+ Details

Name: czfs_RecognizedIncomeTaxCredits

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The term over which tax credits will be recognized.
+ References
No definition available.
+ Details

Name: czfs_TaxCreditsRecognitionTerm

Namespace Prefix: czfs_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_IncomeTaxDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Other long-term investments not otherwise specified in the taxonomy, not including investments in marketable securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.1(f))

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.12)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_OtherLongTermInvestments

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The amount of the tax credit carryforward, before tax effects, available to reduce future taxable income under enacted tax laws.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32559-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Carryforwards

-URI http://asc.fasb.org/extlink&oid=6506874

+ Details

Name: us-gaap_TaxCreditCarryforwardAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_TaxCreditCarryforwardLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_TaxCreditCarryforwardAxis=us-gaap_InvestmentCreditMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 49 R5.htm IDEA: XBRL DOCUMENT v3.3.0.814

CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended

Sep. 30, 2015

Sep. 30, 2014

Sep. 30, 2015

Sep. 30, 2014

CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME (UNAUDITED) [Abstract]

Net income $ 2,857 $ 3,368 $ 9,166 $ 9,909

Other comprehensive income (loss):

Change in unrealized gains on available for sale securities 1,094 855 390 4,598

Income tax effect (372) (291) (132) (1,563)

Change in unrecognized pension cost 51 13 153 38

Income tax effect (17) (4) (52) (13)

Less: Reclassification adjustment for investment security gains included in net income (129) (242) (430) (488)

Income tax effect 44 82 146 166

Other comprehensive income, net of tax 671 413 75 2,738

Comprehensive income $ 3,528 $ 3,781 $ 9,241 $ 12,647

X

- Definition
Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

-URI http://asc.fasb.org/extlink&oid=51831270

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Comprehensive Income

-URI http://asc.fasb.org/extlink&oid=51831223

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e557-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

-URI http://asc.fasb.org/extlink&oid=51831255

+ Details

Name: us-gaap_ComprehensiveIncomeNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

-URI http://asc.fasb.org/extlink&oid=51831255

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.18)

-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.22)

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

-URI http://asc.fasb.org/extlink&oid=51831270

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 19

-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 20

-Article 9

+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount after tax of other comprehensive income (loss) attributable to parent entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 50

-Paragraph 1A

-Subparagraph (c)(3)

-URI http://asc.fasb.org/extlink&oid=18733093&loc=SL4573702-111684

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 45

-Paragraph 19

-URI http://asc.fasb.org/extlink&oid=51664549&loc=SL4569616-111683

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 810

-SubTopic 10

-Section 45

-Paragraph 20

-URI http://asc.fasb.org/extlink&oid=51664549&loc=SL4569643-111683

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount before tax, after reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 10A

-Subparagraph (i-k)

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of tax (expense) benefit, before reclassification adjustments, related to (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement benefit plans.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e640-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount before tax of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e689-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of tax expense (benefit) of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e640-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount before tax and reclassification adjustments of unrealized holding gain (loss) on available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 10A

-Subparagraph (e)

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of tax expense (benefit) before reclassification adjustments of unrealized holding gain (loss) on available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e640-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 10A

-Subparagraph (e,f)

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 50 R10.htm IDEA: XBRL DOCUMENT v3.3.0.814

Investments
9 Months Ended

Sep. 30, 2015

Investments [Abstract]

Investments
Note 4 – Investments

The amortized cost, gross unrealized gains and losses, and fair value of investment securities at September 30, 2015 and December 31, 2014 were as follows (in thousands):

Gross
Gross

Amortized
Unrealized
Unrealized
Fair
September 30, 2015
Cost
Gains
Losses
Value
Available-for-sale securities:

  U.S. agency securities
$    163,012
$               1,113
$              (23)
$       164,102
  Obligations of state and political subdivisions
         95,374
                  2,946
               (155)
            98,165
  Corporate obligations
         12,643
                     103
                 (39)
            12,707
  Mortgage-backed securities in

    government sponsored entities
         23,635
                     305
                 (41)
            23,899
  Equity securities in financial institutions
           1,319
                     448
                 (10)
              1,757
Total available-for-sale securities
$    295,983
$               4,915
$            (268)
$       300,630

December 31, 2014

Available-for-sale securities:

  U.S. agency securities
$    150,847
$                  638
$            (600)
$       150,885
  U.S. treasury securities
           4,944
                          -
                 (95)
              4,849
  Obligations of state and political subdivisions
       101,281
                  3,854
                 (99)
          105,036
  Corporate obligations
         13,853
                     190
                 (85)
            13,958
  Mortgage-backed securities in

    government sponsored entities
         29,397
                     368
                 (37)
            29,728
  Equity securities in financial institutions
           1,137
                     553
                      -
              1,690
Total available-for-sale securities
$    301,459
$               5,603
$            (916)
$       306,146

The following table shows the Company’s gross unrealized losses and fair value of the Company’s investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment category and length of time, which individual securities have been in a continuous unrealized loss position, at September 30, 2015 and December 31, 2014 (in thousands). As of September 30, 2015, the Company owned 46 securities whose fair value was less than their cost basis.

September 30, 2015
Less than Twelve Months
Twelve Months or Greater
Total

Gross

Gross

Gross

Fair
Unrealized
Fair
Unrealized
Fair
Unrealized

Value
Losses
Value
Losses
Value
Losses
U.S. agency securities
$        10,067
$          (16)
$        10,986
$            (7)
$        21,053
$             (23)
Obligations of state and political subdivisions
17,133
(104)
             4,747
             (51)
21,880
(155)
Corporate obligations
             5,399
              (23)
             2,167
             (16)
7,566
(39)
Mortgage-backed securities in

   government sponsored entities
4,317
(31)
                250
             (10)
4,567
(41)
Equity securities in financial institutions
590
(10)
                     -
                  -
590
(10)
    Total securities
$        37,506
$        (184)
$        18,150
$          (84)
$        55,656
$           (268)

December 31, 2014

U.S. agency securities
$        27,382
$        (110)
$        43,642
$        (490)
$        71,024
$           (600)
U.S. treasury securities
                     -
                   -
             4,849
             (95)
             4,849
                (95)
Obligations of state and political subdivisions
             3,596
              (19)
             8,584
             (80)
           12,180
                (99)
Corporate obligations
                505
                (1)
             7,707
             (84)
             8,212
                (85)
Mortgage-backed securities in

     government sponsored entities
             5,025
                (4)
             2,229
             (33)
             7,254
                (37)
    Total securities
$        36,508
$        (134)
$        67,011
$        (782)
$      103,519
$           (916)

As of September 30, 2015, the Company’s investment securities portfolio contained unrealized losses on agency securities issued or backed by the full faith and credit of the United States government or are generally viewed as having the implied guarantee of the U.S. government, obligations of states and political subdivisions, corporate obligations, mortgage backed securities issued by government sponsored entities, and equity securities in financial institutions. For fixed maturity investments management considers whether the present value of cash flows expected to be collected are less than the security’s amortized cost basis (the difference defined as the credit loss), the magnitude and duration of the decline, the reasons underlying the decline and the Company’s intent to sell the security or whether it is more likely than not that the Company would be required to sell the security before its anticipated recovery in market value, to determine whether the loss in value is other than temporary. Once a decline in value is determined to be other than temporary, if the Company does not intend to sell the security, and it is more likely than not that it will not be required to sell the security before recovery of the security’s amortized cost basis, the charge to earnings is limited to the amount of credit loss. Any remaining difference between fair value and amortized cost (the difference defined as the non-credit portion) is recognized in other comprehensive income, net of applicable taxes. Otherwise, the entire difference between fair value and amortized cost is charged to earnings. For equity securities where the fair value has been significantly below cost for one year, the Company’s policy is to recognize an impairment loss unless sufficient evidence is available that the decline is not other than temporary and a recovery period can be predicted.  The Company has concluded that any impairment of its investment securities portfolio outlined in the above table is not other than temporary and is the result of interest rate changes, sector credit rating changes, or issuer-specific rating changes that are not expected to result in the non-collection of principal and interest during the period.

Proceeds from sales of securities available-for-sale for the nine months ended September 30, 2015 and 2014 were $18,393,000 and $17,338,000, respectively.  For the three months ended September 30, 2015 and 2014, sales of available-for-sale securities were $5,187,000 for each period. The gross gains and losses were as follows (in thousands):

Three Months Ended
Nine Months Ended

September 30,
September 30,

2015
2014
2015
2014
Gross gains
$           129
$                    242
$              441
$              488
Gross losses
                   -
                          -
                 (11)
                      -
Net gains
$           129
$                    242
$              430
$             488

Investment securities with an approximate carrying value of $182.7 million and $186.4 million at September 30, 2015 and December 31, 2014, respectively, were pledged to secure public funds and certain other deposits.

Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.   The amortized cost and fair value of debt securities at September 30, 2015, by contractual maturity, are shown below (in thousands):

Amortized

Cost
Fair Value
Available-for-sale debt securities:

  Due in one year or less
$        6,593
$               6,606
  Due after one year through five years
       161,984
              163,761
  Due after five years through ten years
         44,998
                46,018
  Due after ten years
         81,089
                82,488
Total
$    294,664
$           298,873

X

- References
No definition available.
+ Details

Name: us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for investments in certain debt and equity securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-Glossary Debt Security

-URI http://asc.fasb.org/extlink&oid=6509901

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 30

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-Glossary Equity Security

-URI http://asc.fasb.org/extlink&oid=6511694

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62557-112803

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 9

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563

Reference 9: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 10

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27405-111563

+ Details

Name: us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 51 R27.htm IDEA: XBRL DOCUMENT v3.3.0.814

Investments (Details)
$ in Thousands
3 Months Ended 9 Months Ended

Sep. 30, 2015

USD ($)

Security

Sep. 30, 2014

USD ($)

Sep. 30, 2015

USD ($)

Security

Sep. 30, 2014

USD ($)

Dec. 31, 2014

USD ($)

Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]

Amortized Cost $ 295,983 $ 295,983 $ 301,459

Gross Unrealized Gains 4,915 4,915 5,603

Gross Unrealized Losses (268) (268) (916)

Fair Value $ 300,630 $ 300,630 306,146

Number of securities owned with fair value than cost | Security 46 46

Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]

Less than Twelve Months, Fair Value $ 37,506 $ 37,506 36,508

Twelve Months or Greater, Fair Value 18,150 18,150 67,011

Total, Fair Value 55,656 55,656 103,519

Less than Twelve Months, Gross Unrealized Losses (184) (184) (134)

Twelve Months or Greater, Gross Unrealized Losses (84) (84) (782)

Total, Gross Unrealized Losses $ (268) (268) (916)

Duration securities impaired, Minimum 1 year

Proceeds from sale of securities available-for-sale $ 5,187 $ 5,187 18,393 $ 17,338

Realized investment gains (losses) [Abstract]

Gross gains 129 242 441 488

Gross losses 0 0 (11) 0

Net gains 129 $ 242 430 $ 488

Investment securities pledged as collateral 182,700 182,700 186,400

Amortized Cost [Abstract]

Due in one year or less 6,593 6,593

Due after one year through five years 161,984 161,984

Due after five years through ten years 44,998 44,998

Due after ten years 81,089 81,089

Total 294,664 294,664

Fair Value [Abstract]

Due in one year or less 6,606 6,606

Due after one year through five years 163,761 163,761

Due after five years through ten years 46,018 46,018

Due after ten years 82,488 82,488

Total 298,873 298,873

U.S. Agency Securities [Member]

Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]

Amortized Cost 163,012 163,012 150,847

Gross Unrealized Gains 1,113 1,113 638

Gross Unrealized Losses (23) (23) (600)

Fair Value 164,102 164,102 150,885

Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]

Less than Twelve Months, Fair Value 10,067 10,067 27,382

Twelve Months or Greater, Fair Value 10,986 10,986 43,642

Total, Fair Value 21,053 21,053 71,024

Less than Twelve Months, Gross Unrealized Losses (16) (16) (110)

Twelve Months or Greater, Gross Unrealized Losses (7) (7) (490)

Total, Gross Unrealized Losses (23) (23) (600)

US Treasury Securities [Member]

Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]

Amortized Cost 4,944

Gross Unrealized Gains 0

Gross Unrealized Losses (95)

Fair Value 4,849

Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]

Less than Twelve Months, Fair Value 0

Twelve Months or Greater, Fair Value 4,849

Total, Fair Value 4,849

Less than Twelve Months, Gross Unrealized Losses 0

Twelve Months or Greater, Gross Unrealized Losses (95)

Total, Gross Unrealized Losses (95)

Obligations of State and Political Subdivisions [Member]

Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]

Amortized Cost 95,374 95,374 101,281

Gross Unrealized Gains 2,946 2,946 3,854

Gross Unrealized Losses (155) (155) (99)

Fair Value 98,165 98,165 105,036

Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]

Less than Twelve Months, Fair Value 17,133 17,133 3,596

Twelve Months or Greater, Fair Value 4,747 4,747 8,584

Total, Fair Value 21,880 21,880 12,180

Less than Twelve Months, Gross Unrealized Losses (104) (104) (19)

Twelve Months or Greater, Gross Unrealized Losses (51) (51) (80)

Total, Gross Unrealized Losses (155) (155) (99)

Corporate Obligations [Member]

Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]

Amortized Cost 12,643 12,643 13,853

Gross Unrealized Gains 103 103 190

Gross Unrealized Losses (39) (39) (85)

Fair Value 12,707 12,707 13,958

Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]

Less than Twelve Months, Fair Value 5,399 5,399 505

Twelve Months or Greater, Fair Value 2,167 2,167 7,707

Total, Fair Value 7,566 7,566 8,212

Less than Twelve Months, Gross Unrealized Losses (23) (23) (1)

Twelve Months or Greater, Gross Unrealized Losses (16) (16) (84)

Total, Gross Unrealized Losses (39) (39) (85)

Mortgage-backed Securities in Government Sponsored Entities [Member]

Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]

Amortized Cost 23,635 23,635 29,397

Gross Unrealized Gains 305 305 368

Gross Unrealized Losses (41) (41) (37)

Fair Value 23,899 23,899 29,728

Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]

Less than Twelve Months, Fair Value 4,317 4,317 5,025

Twelve Months or Greater, Fair Value 250 250 2,229

Total, Fair Value 4,567 4,567 7,254

Less than Twelve Months, Gross Unrealized Losses (31) (31) (4)

Twelve Months or Greater, Gross Unrealized Losses (10) (10) (33)

Total, Gross Unrealized Losses (41) (41) (37)

Equity Securities in Financial Institutions [Member]

Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]

Amortized Cost 1,319 1,319 1,137

Gross Unrealized Gains 448 448 553

Gross Unrealized Losses (10) (10) 0

Fair Value 1,757 1,757 $ 1,690

Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]

Less than Twelve Months, Fair Value 590 590

Twelve Months or Greater, Fair Value 0 0

Total, Fair Value 590 590

Less than Twelve Months, Gross Unrealized Losses (10) (10)

Twelve Months or Greater, Gross Unrealized Losses 0 0

Total, Gross Unrealized Losses $ (10) $ (10)

X

- References
No definition available.
+ Details

Name: czfs_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract

Namespace Prefix: czfs_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The minimum period of time securities fair value less than cost for classification as impaired.
+ References
No definition available.
+ Details

Name: czfs_DurationSecuritiesImpairedMinimum

Namespace Prefix: czfs_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
This item represents the cost of debt securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=51813488&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=49167202&loc=d3e26610-111562

+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before tax of unrealized gain in accumulated other comprehensive income (AOCI) on investments in debt and equity securities classified as available-for-sale.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount before tax of unrealized loss in accumulated other comprehensive income (AOCI) on investments in debt and equity securities classified as available-for-sale.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This item represents the cost of debt and equity securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_AvailableForSaleSecuritiesAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of accumulated unrealized loss on investments in debt and equity securities classified as available-for-sale that have been in a continuous loss position for twelve months or longer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 6

-Subparagraph (a)(2)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27337-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of accumulated unrealized loss on investments in debt and equity securities classified as available-for-sale in a continuous loss position.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27337-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 6

-Subparagraph (a)(2)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This item represents the aggregate fair value of investments in debt and equity securities in an unrealized loss position which are categorized neither as held-to-maturity nor trading securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 6

-Subparagraph (a)(1)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of accumulated unrealized loss on investments in debt and equity securities classified as available-for-sale that have been in a continuous loss position for less than twelve months.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 6

-Subparagraph (a)(2)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27337-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for less than twelve months.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27337-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 6

-Subparagraph (a)(1)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for twelve months or longer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 6

-Subparagraph (a)(1)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27337-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing after the tenth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing after the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing in the next fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of debt securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=51813488&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=49167202&loc=d3e26610-111562

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 2

-Subparagraph (b)-(g)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62557-112803

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_AvailableForSaleSecuritiesFairValueToAmortizedCostBasisAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
This item represents the difference between the gross realized gains and losses realized on the sale of debt or equity securities categorized neither as held-to-maturity nor trading securities. Additionally, this item would include any losses recognized for other than temporary impairments (OTTI) of the subject investments in debt and equity securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNetAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
This item represents the gross profit realized on the sale of debt or equity securities categorized neither as held-to-maturity nor trading securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesGrossRealizedGains

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
This item represents the gross loss realized on the sale of debt or equity securities categorized neither as held-to-maturity nor trading securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The fair value of available-for-sale securities that serve as collateral for borrowings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5086-111524

+ Details

Name: us-gaap_AvailableForSaleSecuritiesPledgedAsCollateral

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Number of investment positions in available-for-sale investments in a continuous unrealized loss position for which an other-than-temporary impairment (OTTI) has not been recognized in the income statement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 6

-Subparagraph (b)(3)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

+ Details

Name: us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1

Namespace Prefix: us-gaap_

Data Type: xbrli:integerItemType

Balance Type: na

Period Type: instant

X

- Definition
The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=49167202&loc=d3e26853-111562

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 12

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3179-108585

+ Details

Name: us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USTreasurySecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_CorporateDebtSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_EquitySecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 52 FilingSummary.xml IDEA: XBRL DOCUMENT 3.3.0.814 html 444 290 1 true 67 0 false 7 false false R1.htm 000100 - Document - Document and Entity Information Sheet http://firstcitizensbank.com/role/DocumentAndEntityInformation Document and Entity Information Cover 1 false false R2.htm 010000 - Statement - CONSOLIDATED BALANCE SHEET (UNAUDITED) Sheet http://firstcitizensbank.com/role/ConsolidatedBalanceSheetUnaudited CONSOLIDATED BALANCE SHEET (UNAUDITED) Statements 2 false false R3.htm 010100 - Statement - CONSOLIDATED BALANCE SHEET (UNAUDITED) (Parenthetical) Sheet http://firstcitizensbank.com/role/ConsolidatedBalanceSheetUnauditedParenthetical CONSOLIDATED BALANCE SHEET (UNAUDITED) (Parenthetical) Statements 3 false false R4.htm 020000 - Statement - CONSOLIDATED STATEMENT OF INCOME (UNAUDITED) Sheet http://firstcitizensbank.com/role/ConsolidatedStatementOfIncomeUnaudited CONSOLIDATED STATEMENT OF INCOME (UNAUDITED) Statements 4 false false R5.htm 030000 - Statement - CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME (UNAUDITED) Sheet http://firstcitizensbank.com/role/ConsolidatedStatementOfComprehensiveIncomeUnaudited CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME (UNAUDITED) Statements 5 false false R6.htm 040000 - Statement - CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) Sheet http://firstcitizensbank.com/role/ConsolidatedStatementOfCashFlowsUnaudited CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) Statements 6 false false R7.htm 060100 - Disclosure - Basis of Presentation Sheet http://firstcitizensbank.com/role/BasisOfPresentation Basis of Presentation Notes 7 false false R8.htm 060200 - Disclosure - Earnings per Share Sheet http://firstcitizensbank.com/role/EarningsPerShare Earnings per Share Notes 8 false false R9.htm 060300 - Disclosure - Income Tax Expense Sheet http://firstcitizensbank.com/role/IncomeTaxExpense Income Tax Expense Notes 9 false false R10.htm 060400 - Disclosure - Investments Sheet http://firstcitizensbank.com/role/Investments Investments Notes 10 false false R11.htm 060500 - Disclosure - Loans Sheet http://firstcitizensbank.com/role/Loans Loans Notes 11 false false R12.htm 060600 - Disclosure - Federal Home Loan Bank Stock Sheet http://firstcitizensbank.com/role/FederalHomeLoanBankStock Federal Home Loan Bank Stock Notes 12 false false R13.htm 060700 - Disclosure - Repurchase Agreements Sheet http://firstcitizensbank.com/role/RepurchaseAgreements Repurchase Agreements Notes 13 false false R14.htm 060800 - Disclosure - Employee Benefit Plans Sheet http://firstcitizensbank.com/role/EmployeeBenefitPlans Employee Benefit Plans Notes 14 false false R15.htm 060900 - Disclosure - Accumulated Comprehensive Income Sheet http://firstcitizensbank.com/role/AccumulatedComprehensiveIncome Accumulated Comprehensive Income Notes 15 false false R16.htm 061000 - Disclosure - Fair Value Measurements Sheet http://firstcitizensbank.com/role/FairValueMeasurements Fair Value Measurements Notes 16 false false R17.htm 061100 - Disclosure - Recent Accounting Pronouncements Sheet http://firstcitizensbank.com/role/RecentAccountingPronouncements Recent Accounting Pronouncements Notes 17 false false R18.htm 080200 - Disclosure - Earnings per Share (Tables) Sheet http://firstcitizensbank.com/role/EarningsPerShareTables Earnings per Share (Tables) Tables http://firstcitizensbank.com/role/EarningsPerShare 18 false false R19.htm 080400 - Disclosure - Investments (Tables) Sheet http://firstcitizensbank.com/role/InvestmentsTables Investments (Tables) Tables http://firstcitizensbank.com/role/Investments 19 false false R20.htm 080500 - Disclosure - Loans (Tables) Sheet http://firstcitizensbank.com/role/LoansTables Loans (Tables) Tables http://firstcitizensbank.com/role/Loans 20 false false R21.htm 080700 - Disclosure - Repurchase Agreements (Tables) Sheet http://firstcitizensbank.com/role/RepurchaseAgreementsTables Repurchase Agreements (Tables) Tables http://firstcitizensbank.com/role/RepurchaseAgreements 21 false false R22.htm 080800 - Disclosure - Employee Benefit Plans (Tables) Sheet http://firstcitizensbank.com/role/EmployeeBenefitPlansTables Employee Benefit Plans (Tables) Tables http://firstcitizensbank.com/role/EmployeeBenefitPlans 22 false false R23.htm 080900 - Disclosure - Accumulated Comprehensive Income (Tables) Sheet http://firstcitizensbank.com/role/AccumulatedComprehensiveIncomeTables Accumulated Comprehensive Income (Tables) Tables http://firstcitizensbank.com/role/AccumulatedComprehensiveIncome 23 false false R24.htm 081000 - Disclosure - Fair Value Measurements (Tables) Sheet http://firstcitizensbank.com/role/FairValueMeasurementsTables Fair Value Measurements (Tables) Tables http://firstcitizensbank.com/role/FairValueMeasurements 24 false false R25.htm 090200 - Disclosure - Earnings per Share (Details) Sheet http://firstcitizensbank.com/role/EarningsPerShareDetails Earnings per Share (Details) Details http://firstcitizensbank.com/role/EarningsPerShareTables 25 false false R26.htm 090300 - Disclosure - Income Tax Expense (Details) Sheet http://firstcitizensbank.com/role/IncomeTaxExpenseDetails Income Tax Expense (Details) Details http://firstcitizensbank.com/role/IncomeTaxExpense 26 false false R27.htm 090400 - Disclosure - Investments (Details) Sheet http://firstcitizensbank.com/role/InvestmentsDetails Investments (Details) Details http://firstcitizensbank.com/role/InvestmentsTables 27 false false R28.htm 090500 - Disclosure - Loans (Details) Sheet http://firstcitizensbank.com/role/LoansDetails Loans (Details) Details http://firstcitizensbank.com/role/LoansTables 28 false false R29.htm 090502 - Disclosure - Loans, Impaired Financing Receivable (Details) Sheet http://firstcitizensbank.com/role/LoansImpairedFinancingReceivableDetails Loans, Impaired Financing Receivable (Details) Details 29 false false R30.htm 090504 - Disclosure - Loans, Credit Quality Indicator (Details) Sheet http://firstcitizensbank.com/role/LoansCreditQualityIndicatorDetails Loans, Credit Quality Indicator (Details) Details 30 false false R31.htm 090506 - Disclosure - Loans, Past Due (Details) Sheet http://firstcitizensbank.com/role/LoansPastDueDetails Loans, Past Due (Details) Details 31 false false R32.htm 090508 - Disclosure - Loans, Trouble Debt Restructuring (Details) Sheet http://firstcitizensbank.com/role/LoansTroubleDebtRestructuringDetails Loans, Trouble Debt Restructuring (Details) Details 32 false false R33.htm 090600 - Disclosure - Federal Home Loan Bank Stock (Details) Sheet http://firstcitizensbank.com/role/FederalHomeLoanBankStockDetails Federal Home Loan Bank Stock (Details) Details http://firstcitizensbank.com/role/FederalHomeLoanBankStock 33 false false R34.htm 090700 - Disclosure - Repurchase Agreements (Details) Sheet http://firstcitizensbank.com/role/RepurchaseAgreementsDetails Repurchase Agreements (Details) Details http://firstcitizensbank.com/role/RepurchaseAgreementsTables 34 false false R35.htm 090800 - Disclosure - Employee Benefit Plans (Details) Sheet http://firstcitizensbank.com/role/EmployeeBenefitPlansDetails Employee Benefit Plans (Details) Details http://firstcitizensbank.com/role/EmployeeBenefitPlansTables 35 false false R36.htm 090900 - Disclosure - Accumulated Comprehensive Income (Details) Sheet http://firstcitizensbank.com/role/AccumulatedComprehensiveIncomeDetails Accumulated Comprehensive Income (Details) Details http://firstcitizensbank.com/role/AccumulatedComprehensiveIncomeTables 36 false false R37.htm 090902 - Disclosure - Accumulated Comprehensive Income, Reclassification (Details) Sheet http://firstcitizensbank.com/role/AccumulatedComprehensiveIncomeReclassificationDetails Accumulated Comprehensive Income, Reclassification (Details) Details 37 false false R38.htm 091000 - Disclosure - Fair Value Measurements, Measured On A Recurring And Nonrecurring Basis (Details) Sheet http://firstcitizensbank.com/role/FairValueMeasurementsMeasuredOnRecurringAndNonrecurringBasisDetails Fair Value Measurements, Measured On A Recurring And Nonrecurring Basis (Details) Details 38 false false R39.htm 091002 - Disclosure - Fair Value Measurements, Quantitative Information (Details) Sheet http://firstcitizensbank.com/role/FairValueMeasurementsQuantitativeInformationDetails Fair Value Measurements, Quantitative Information (Details) Details 39 false false R40.htm 091004 - Disclosure - Fair Value Measurements, By Balance Sheet Grouping (Details) Sheet http://firstcitizensbank.com/role/FairValueMeasurementsByBalanceSheetGroupingDetails Fair Value Measurements, By Balance Sheet Grouping (Details) Details 40 false false All Reports Book All Reports In ''CONSOLIDATED BALANCE SHEET (UNAUDITED)'', column(s) 2, 4, 5, 6 are contained in other reports, so were removed by flow through suppression. In ''CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED)'', column(s) 1, 2 are contained in other reports, so were removed by flow through suppression. czfs-20150930.xml czfs-20150930_cal.xml czfs-20150930_def.xml czfs-20150930_lab.xml czfs-20150930_pre.xml czfs-20150930.xsd true true ZIP 53 0000739421-15-000066-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0000739421-15-000066-xbrl.zip M4$L#!!0````(`"=594?I:NG\'LL!`)2A*P`1`!P`8WIF#M6=7@+``$$)0X```0Y`0``[/UK<^,XDBB`?M^(_0]8 M;\^..X)VB=2[:KION%XS/J=>6W;OWG,W-B9H"K(X39%JDK++\^MO`J0DZLF' M0!(@\\39'I9%`HE\9R*1^,O_Y\?<(4_4#VS/_>5"O^Y<$.I:WL1V'W^Y6`97 M9F#9]L7_Y]=__9>__-O5U5^I2WTSI!/R\$(^O/_KS?>I[<"K`?GV_2L\4M*] M'EQWKCODG;=X\>W'64CT\;A/KHC1T?OD;CF?VR'Y:+NF:]FF0[[YMAO"`!KY M].G=-;EQ',*_"HA/`^H_T#[Q"`U0U>LT?[EXM9&"Y>OWKU_/Q\ MS?YR[?F/KXQ.I_O*=H,0AJ<7\?L`X.\G7F<_/YC!^O4?>^\_=_G;L)#Q*_[K M^M7`/O0B#*N_^O]^_G1GS>C#U#'YY:;/3& M^@/WB0;A]M@!M:X?O:=7T6_PF=Z]ZNA777WU$9#YT307ZZ^F9O#`9XA_8)_T MMS^94/OP)/`#>[VW,T/H'UW#^!7\NGK17H;UOK#SPW MPS>>>[7SG>4MW=!_.;R(^,<#J+*6O@_R<>R[^-<#&'!-VPH.?\5_8I_HVY\$ MMG7X`_CAT.OAPC_R/OQRX`/ZPYH=_H#],>+]T`Y'5#^B,D]@3>Y>_I'3WTUN#Q=]=O4]!! MX4O\M_5?[0G[^]2F/N&`T:W5K'#U[O;_7OS:@?\W[(Y!$O_R:O?CU52O#LP5 MS[0`SO0FN_,#?OSP/6C;7U>DZ*R'W_RV\Q%U)XE/QE?=SF;B2>*#U5\34Z_^ M%./N)#KUCC%0`HD1FX41/O3.E3%8#Q[_(@0?RC#5%CZV^$,D/GJZ`6I#,7ST MKG0#M%TY_#%47OT,Y5$_O;4V[ZF)SEY^;=XK$YU#Y=&9ESM+1&=71>77+4_Y MJ<-46\:@-..XXXO^_0;@F]C.,K2?Z!V%&`*<:AI\^&$YRPF=?/2]^3MOOEB& M9@@Q^M?I!]-W6E)6(P]#7)2+JXM?5)`&M290B:(#GR M_VSZ$ZXF;OE!'<96T0MJZXNCZ]Q(WN$%H]NW9[R09R3E&8G4=L0IG\U_>/[] MRX(&7Z?OZ4-XXTX^_+&$U>VX+.\\?^&Q(YWLI`W^W3.=N^3"QGVR&\K;Q239TU,`PI9Y=RJ-/?KO[ MJ_=$?9WNWJ=FL/3;RQ3'4=!F38%AM!IAM#2:!--R,J;EI-$G&#"W(V`N M71_%G1C=Q^_4HO:3^>#0;X"L*6AE[RY:1ZR/YG/JLY:-@.R;1]^VEDZX]$WG M.S6=#P'3YI\\4W5#EA$;%[^R]G.O\^&DB>HJ._?`U/[28A4AK6:8%#2T6<-P MC_"(0]@Z3LF(C#;KE.\TB"C5:AN4AH4V:Y2-??X:SJC/L0(RQ?^1-->M8YH" MB&FSID'?5T'?MT0ME-_W9:W'=W]L";=L4CFGT-!F!D''5PG'5R*W!H-I28/I MTLL9T.BH;70D]&DQ-E(P-I+&&&$61M(L3*F:9OM0TFIWC2_X:\(8OZ>!Y=N+ M,/;=WL&?'CW_A3/.1W9]T.K+9C9GJ+*M21$:;,`Z0(RJ6%;J@U3E\WD3#H2? M>Y0:^;P!?'Y'8=@)*G0Y&/T0-9#3]S@=%7'[."!/E/R;:SJ.9\'DDP.?M"7$ M65?M9L%&FX-A9!<5V*7,)&UG@-JE<>S2&92D7;I8@MOT,H02KU7LYU(VN&LH M[:YAOSP-D\\@X:ZAK+N&DI@@W.V1=+='&C.#Q4RJ%#/)H5'0+9'6+2E1I^3C M$=0I2NB44F^0QU"G$3I%&D\6Z]^4KG^3QC9A#E>%'*XTX1&RBPKL(E5TA`DY M^1)RTKBZ&!HI$1J5Z/;FW07"/43E]A`EVA_"H$GAH$DB+81NC8QN3=F*1HD; MQ*H1F***%\VV,F9;(G6+9EMALUVB5NZKJ)6E<8>Q&D;2:AAI-"]RB*0<4JI. MW;[F%7V\IOEXN\?;I+HOMACSH:*225$UD,$P!E$O!I&:#?6";(B91VDRCQ(? M$^^M^:N'=K09=K27G\%Z\C$8*C!9%9A<_%7<3T/^DI._Y'+`>FO^RJ>_L`!2 MV@+(76V6E]M*M9;%N`U/@LAU$D1B%BMJ,+$"4]X*3*GM9U'_'W<)%-PED"TX M*)8]P^R&M-D-V=)GQ?TUC#YEC#[E@4R=7IJ[HMBHZ=6RK.<46:+S)JGS)I=& M*QJFHD931*/)%HX6BQ6P,D3:RA"YXH&B#(;Z3!%]U@QVPRROXEE>V=@0PP-U MPX/MSD*E736,^;%FY,=D9!?,Y:N2RY>;>]`;4L4;DI&/,$L@4Y9`1@[!,%_> M,%]&?L$#0Q(=&*J&08J6Z[6>14XCH@8FZ/Z&36_>)!B'[_NW+.\<,@J_3`V_OJ*;-+&WBN4+.[YG@Y"?3(0VZ2Z]: M#&QY-]!)(R%)A822(9]D<&#WB=0L<JF(3\S9O3#W\L M`3LH%PFYV$4+2D,KW*8^]%\Q"Q54FD?Q0]&&JU(4K5!/AI@1,X6 M5[4B\7SR@64U\I;52,,D6%8C65E-F9Q1^,)$W"_%_5)97%&I>\T4O;,#!0P% M3$H!DZOU2=%F3NCER.#E2-S"Z?P>%!AC21%C2=Q@HJAW@,I+1N75`*N(>]/2 M;P:WQ,64R!,X_\X!]`3D\P1D4]CRY0D:75M783%;2S2V5-)4M,,S:FRI-;9$ M7D'QGKN8V95*'RJ9:&Y!>C M)18F&;/-#18F+.AH=LI"/F'"E`6F+)HH:S*F+-H09#7(':S]*#?F,-"4-5?, MY&J[@S$89M^Q1K,%CF'1?6.LT92Y1A/W2[%&$T_?E^L2211^%%7B6%4F8U69 M1)I;QJHR3!LI$<_*F39"\6KQ=F*#I$J*O7G9A$F^O%`;;!76D;4B421G$(]; M'`H9+[FW.&2*YZ5IM[Z?PO_[+<#JNZ;SSJ<3.[P)`AH$:UCN%I2EC#XS,GAN MXX10TJV04R39&-M#M&FIG97Q?K93J:@4H5L^,*`GIC]16^(R\O'ND'.2#=][RX=PNE1\`SP;#VZOM5FDCKR/UICY\HPG6BM4$WG4!-HI4W2KDC4)&$U):9_$79^$T11&4RKY6C):J6\PJMKBTMU@":;T\.F. M%.U/_:GGSV&2`[.U1!J3#'XFT:5;,D8_M[YCJO'$GW^"'T+9,!^+$ MB?UD![G,#X;2-872&8PFR^\96Y$-,D[5;07*83+5XFAYRF9V3S9B MAJV>$Z,*FS1,``J0\>)62WWW4&5;5>M.K#3] M=GG]\5J:I+76S:_,EY9,@FI4A+6W*971DN/.I:IE-7B44I&\,';#D-`88'ZX M>LN4(5'VR5,]SW%:3CBI-XML%GUK.'[2#-W:D-Q8[1W32M^;1MU5J^Y"'[.Y MO"=9[D&H**CGYZKE>,@CO-A,6Q$)KC&G4^%I213C:O<@U3?#S;%[>+=EJT4X MKR567W2;)9PD*7+YZ[:'NM2S8<*&8- M:O2`92IW*3UQ>U*Z5C\Z+_"#_>C2R5]].9%;?,NX<2<.ZN'.$.T>-8F@9=XX:V:E/]9TC MY:][02D6FM%"T<2$4>ME(]\U+,T.W)M="ESFQ3!5ICR:+.G%\PJ-W4!5YD*6 M)C>^R=+=OD%-#/"V.-7K23``EZV6!*-N">M(SMN*5E_(E&#=-N]&M\#G1>]2 MGFQ(H=HW]'P5M.KJ)5Q5E&D\D:W$B6QICB2@/XK^J-2!%=Y4I-ZMGQ)I-RR9 ME:(TM45;6]*DFF3*#C-I34;LE88=F8BU[EO#-5_EI/-66Z%9NU MS:^WQ&QDDV4#+R5KRC$9:7;/ZDU,H;/4).==GKB[V'9I4YA1,K^@B8&$+*Z) M-*&X$->DI1(HK7U@;MBK9#CO,6)Z,DI%:?6H$@*5FRJ)<#R9-.P19:T`J50?JS* MUETJQI-XLB_7R3Y4YE4H\P;G;)74Y`)2R*C&ZU/CS?:-%#\I*$TPCALARH7/ M$F^$M,*K*7R*KD';*]+62>%9.N5\F7R27;QK,\:UU;&M9!="2;-!+]/>!\J# MY&H<=SMDB)`DK!UN5Z9,^L)AR52!R@6BT@206$DG?:BG7'9$FACJ/.9N1MF; M,FVRVLG0-9QCQ'@(SRQ*Y('(F,)NANI7TE^OU!+5DT57RT+)),UM[@RCTM:M M4KE`^3K#2.-O8@#5B!-V33Z3D^&0/%:(25PA)HVNPSA$D;V.QI2OH*)74YH/ M%"`<>#7XQI?YS0S"]\OHPT-O#3KWWFC\WGP)XC=1UJNY/T(R`<_$01M)S\%* MS5(#,J4CCAKUXNK@PQ]+T[GW_NI3&,V_GYGNN(/*03)'(*]@9B*J8KJMR:'` MR=K;XK+=!?W<;[2I+ZE2MF)Q/4*G9MG1AKK3S9>QBK@9G7YY#*,T:J`DP]C\ M&+@9AK$5`>91B<`(3IY@2"V6DB=G1$N9P_YBS4S5G4OA?1;@LJ3Q;S6'$RJH5VJX72V[*KJ1.DB;9Q MKZ_1PHN]>XHE^3?^C!AY:%M6-(WO#N)7LI10"S.U>8_'N,$2R'CD<`Q*BZ@# M-:?0C$)3M]#(EL9$WTMZWZN5:4QYDA5[%Q:@L,G1G;_M>@'3$ZH67K;-956G MP!%/*ZCF*.3M;F$2S5@=QEKO:2O]<(&6A+J!'F2 M.%B+AE5>BG2F:,6)6GF\!8'I7703T$VH.2>NEG]P;AB*`B?OJ5-T*S&Y(G%R M!4V,E+W96^%RBD]0M4UEJ'?,`)6<:EZ&3/JB!"^C^;XS)J\P_I`@_BCIT%3; M3'XSND+)NC$LS3$1U1KZM$T,SS&J;;QX&76&/#=]HI1+S:+E2;F$V@D[LW8 M_.H&W)D_.^U1ROEWY#SISQX5/Y>O5J@OR>F"YB?K&G2J'7-@*!@H&%(+AC3^ MDR*5C>B12>^1J59VTM+*QFK-(\JMS'+;QI.GYV:EFN_PH5K M;M%`*]PP#,\D9FK)'!D58]K&.U^BBXDP82@H85BR>]6"8B()KI9IOC0TX3*9 M5J3T):D@:KYSUZ`*(GF"*6D$`QM5R"Q[*B;"SHEK\`[/ZO6%/'OC>*\O2IOT MQVGE\2&DJ3]4YN*ORB=S5,G$%KQ?"-6`!&J@^5X!;LB@&FAB1J&,[5ET M"N1P"E2L\<7,0>VU<YS8;Z^U18'R[%M*8R]+D0:T;O);-RPFERBGC]?3 MU%#X@]?3J)W#E"8WH\RF?]OLU6"GB_1J-*AIOO.2@N;^I5)Q2LLU9+ M)\B3JL9[NEJO(V1(,M12SZ16$D)4NJX=@M>6U%0^KL#;VRID04&;\"I:`[5D M2-2V8#O86BK-VHJX76`Y2?,#=C4B9,E"ABHK6-32`OV.WM%#3Y&8G`'":"Q#)>>X@-5//#]T"Y MV!74X?^OQU[_MO,1=2>)3Y+>X^H7(7["6D/TN(9HFPR6R_2E,%`O/P/UJF,@ M&4S,B3J3MO&W9#9&R>H6U!'HAFZIB%M8G@]O-$=-9&7QXRO'D!/=4?0F6J`J M)!-.Z357/?Y-"[V*-@IC^=S?`J.3GY&:%2,J&-_(Q4#YDVBHB21A)-E,6I'+ MX`\$%*W:TT_'0Q,K/FZ"@(;!G>=,?G,GO#44I0SXX-[[3A=+WYJ9`?UL,F$, M7Z)MY8"SS>IOORWNO2ZOCHFCF<_F/SS__F5!P35]3Q_"&W<2;8W>48M]8=-H M@-_N_NH]4=_E9'BD0"@:L/2SO8`K;77K+UK(0S^QG04VS+%<%O(210CLBA99*4$F[8ZHR>:/2,O+[?IB6 M::>RQ4`)/=X&VVNU>0F5L#S,J83-4$N"2MJU;Q^32YBVDC_5@&6$TD5>;=6Q MI0K+<.N,R'LZM5TZ>4M=>`B_.:8;O+<#R_&"I<_PL?49O5 M"V%CPU)I:*F*E7:/F`QE.F(RW#IB@OS7=/[KY>>_"MN$/^U@/^D.AFEH_UM M%?])=L239ZF*<1W\G?H^G;SSY@O`-#_R>#55F6)<(3D^Y-5F\JI<^4`Q^R'( MJXWE58GV3G9]@'L[=.C7Z:W+[E.;+$TG"GD`D5;H^6KSV,&U)8*6K46BS=V+ M99`W:N8-B6*'71N'O%$G;\AE4W9]=>2-FGE#(M\X+NQ\-OT)*^Q;77<1^K85 MTLE=Z%F_J\T06TO;NEAA?XW-2GW&AR60M,W;+NEU!BBUM9*V,RAMPP))6[-" M+HNT753(M9*V6Z9"W@Z_D,@8?!T.OI`S,/0ZG.I%SL!$[^%$+W(&IGE7U@3Y MH>;`K[Q*-1;XW;%K^QBTT<%:5K#GN:PXCY/ZQK*6\Z4#KTP.;<%._K&,;@U4 MFP=.XF##$_F0T:Q0LH?,TC!F*3&E%.4=D%F:PRPE9C)RFJ$O-/S-]:GIV/], M7EO[5]-V/WF!XE7W^=DE$SI:;8J0891@&'G,$3*,$@Q39G(=&::!#%-ZFTAT M>)OC$9:2[&]08-LHSC;*+3E@S:M`39-XHVDW;($U&T-TVT2%3H4UFW(:PKP MFFQZK:#/AG94$3LJE]]6V(XBOZG#;U+9TB'&"8WF-[G*B@KS&_IN:OAN4O$: M:K2&:+2*SC$BPS2084JMI$0;U@`;)J5V06:1GEE*U2S;?O)W:CEF$``I+-Y3 M]>LR_#I-(.AK.*,^0Z1/9PS=3_36M;SYJFZ_V,<1!M$@UFD0\X!X#I,D3T"< MPRT8=^SEC%%V4791=H_)KESY]]V]191=E%V4W1-V5ZJ]VB':7:ED5P7!4$`7 MM6(?4D&[BRD:L2F:IJD6M+DHMVAQ*[:X$J6*);:W2N:H4&Y1;EN?GU)P7PCE M%N6VY7M"$LDMBIIZ$9]$G"R1YXB("(+@*Z".H&B&?FD+]XKM\X M]BW()_NX:#BK5.Y-(K>=PVWM\2EE3JBA$*`0M-YG/CNKC$*@DA#4EUN6V1TZ M.W!LI!`T*W9L>DQ0_P9+(X6@L98@HY"JY0[5O\G>2"%H5I65%)9`WLV61G(P MLDHV5KD)`AJ^8\7@G$%NYPOXC4X^>:8;=_WY.WN35XG?4VOFVH#+Z.#L8N&; M=D`G[SR'%8W[IL/'5+P7U.'57OQJ_7,:O$Y9H15W]N! MY2UA^,D[,YA]=+SG)C/IT=4B>Y:9@T#V+),YZI<.M;(#`MD3#3T:^DH363NL MR@\C?J>F\R%@73^^/KMT@APK,<<>)UB[7`!D7&1<.37NIC<*!ED89!5AU//[ MI6RIY3*[3*`3K+YFEH73Y>I"D5V/HRM2N@L@B]BAAD>^5U?1U^^"2ZSO2_%L M&N>W8_993>XN)2I%=8Y^N\+^RR%._VZZCQ%S?[9=>[Z5S_LV6O18;/)0]M'LE[09DDKU< MX5U#9;".($\6B<,JP4ID46".I:%"*'/6HUX+B+MTE5C"-D>`LG"_'-ZPE!%@ MLV4/(T",`.6-`%65/0'5*2T5NK;4J,AX`K*ATH8F3B9IJZ7(&J5-JLK+ADJ; M+*ZQ0GUUY"+35B#94ZS%_*G[]45?IP)Z^E4B!''JD%LBCJVD]5!4?M M6P!EO@!-1\;`F_%.W!+59L:H[Z(LF6^+0U/2S`ME3UT>]=8,[,C7?V?Z_HOM M/GZG"\]G_N*^ZPQ7'((#1OVR(F/9K',GI%!EFD$R\AL?M`O M:19('&1@CJ3&'(E`+;)T M[8@K?NMT]!UJSB/A^36&?V;Z-%@-M?HM.3P;Z]C8QI&Q[<`#8@]?_W;WONC0 MW9VA)_83,,TN^M@77Y9S(''H[67K,\.31/#A$1/3O:>N-[?=TQ.F(7=WQOU! M5[\FUIT%;;TC%.$[#]],/W2I'\SL15&R]$^-?\?N$0;&+SKXX"2K+N"QZ,C# M4V"_`P'R32O,-OB_75W=@,A/F-B3CX[Y>'45_3"A]NOU+^P'$DOF=SH]6,)V M\>O4=`)8T]Z7ZYG>+7V?SP-VRW3(_Z.F3SZX$\+V6Y+SQN]%K[&W/D1[,ND@ M7*VTSJEAUO"\]ZPE7_@WKH<.PK)Z)WHE,R!)TWATF#4@'[B&)?]-'>?J=]=[ M=LD=4,USZ83[\*\Z)8F\(PLE=:(;+`W#$;ZY?C-Y+!^?_,=66 M-LPN6!Q8\@Y(^>CY+_O`\-]7/Z?#<&-9U&&Z&NC./TU"M#76+B#?Z:,=@-@# MBKZ8<[H/R>8%]GLZ*.]N[V__?Q^^W)&/MU]NOKR[O?E$[CY\_Z_;=Q_NR.V7 M=TG`MH?>HQQEZL@AM^Z$_B#_EQ[`4OP*?P->2`W>" M7RYNOWR\^+4+?^P,MZ$^,/J'>N?K/[2G9=QOS^&3:COG@T*NI MYU\%ID.!>R+7P`8.LEWRF^M3T['_"5+[R0L"\LT+;%8M$FCD/Y?P`Z@.^XF2 M3;2F$?#)F-?O33[0W^\JI\V#9HMRR?LK^1RYLYT\'_Y!4X/S.S@';M^X3#4)&P7ULKH9+#O9UNA[IQIVLQDF,LH>I1''5/LZ,),ZNP.6_ MT@==`W15`G&%P)`<*;L2E8:4OJ&+1LJ2R9YM/M@.YT*-L&"8\&@X(7=7JQ0^ MB7+WY'^B./A_#R$&ADR,>"#GZL<]?9"N#QSRK=HSAUI(C`8UKSH]W1JL_SW6^K"$TO1\^U17!*7LYD MB`'H99;LY1KFPQ_+*$6W\%P6XF?QC&46H662([^BP M)5WI$!D;1G_<2K3W:D.[P1(2>FBQ6*))XM_+(OY,^I$1SS%#0AFQ#XQHU&Z'I"-)3FTME"0#IJ\[HV;I MAFX&[_]*!T\4.?%04%T/)PY9Z\F@MDM"E+RL M1Q+&3!)J3TX(]SO2TU!Z7Z];_J5CQ%Z-C*BSNJE!IVXS65>:+!?B1:;)HCQ9 M[>Y)77FRVO#.$V6=L:!<^&3"Z[U,ARQ,>W)EN\0R%W9H.GL86[_Y#5Z\==]% MK[W;5$T6RF\;?;V_$_ZF3E0-]%FV)`#ZKEX8>L?QGDW7HF0*JOJ=3^%+7K<( MBAH8^*/MPH]L/^\[M:C]Q)0Z,/0]5^[W['S66P>&VV?MU;!@`*)!HS&_NNL1 M$P/RX=AH?+#T&LW_<,(W$_N)!.&+0W^YF,+[5U-S;CLOK\F?[^TY@/B%/I/O MWMQT_ZP1_A>-!-2WIV\(?SL`I?^:Z)U%^.;B/Q[#-X=&3+Q#MJ;8F>$-8=!> M@2%Y=%\3)E#V].4-F9O^H^U>.70:OB9\D(D=+!P3!GA@RUR_X;.>7?$K?"3; M92?(HK]PZ.YGC#P,I8P2840$'_[`B/9L^A,"XD8>3(<3$G02^^?-IT^?R,,+ M87N@\+'MD?@\%ZR.<^93R^D`7%`,!W@AG)#J$%1`*0$S`;"_"Z$A:MZ,1 M1@'^/I,KC?@T6%"+U7`Z+^02^#Z<>@"Y96/K/\SYXLV_ MZX/.FXQ`L$DW;,#12RSJ.`MSPNJN?[D`"63_#A:FM?IW)D8).:.XP"A^Q"C/ M]B2=\\/P)]:^B01@V31`Q M8_&#!,`4DS5,QNA/N^@C''_A)`'?$9`RSJ'W_U1`W/96Q']]IA$C/'C.9%L" M+6`'Z@MEJ;>Q:)GA"9:2?A7_9PE2OI+CW86(I/-843*_F\&;],J;3@-$SSYZ MP&)[3V`>:*G8&2F*G6^^]V0SK[],Y*`&K745&]NX[QB=(/NKA(W/:^WWS'.9 M*..>D%B5`6$1Y;U@B<.:4N\YAMO248+_LX;==AUPIJ@^$8 M;67M9A']FJ;0JH<.3@58UHT.FH4RS<*H4\#3P4Q-1E_'#4)_:86IVQ_(Q=4^ MZ0*U-]I7](605N)IA5[1^>8=K4[]1$A8G2$FE;+4&X';Q-JQ(_/6S[*;IQ&F MC^HGPJ6N"]P"0#*.1T1-%ZG/\T/E5!@5FF#=&B$W;6\5VRJ&`0 MN;M$G:[U.P9:V=IUQF6O@\Y._62HP>*B)W0B`AAB$5"IRK_7RWQHH=5IF@W. M^%E[[J@L/-;8EEUZ$RP?V#UV_+P_>BRUJO+^8(1FM';S6(,915JI0RMT>?*9 M:8$J#>U)3GLR&F`R)Q.%?G--!SYAK7\$L*M4AZ&;P\[Z\!0["R8.FF0%3#+2 M4HZG"FF)[E<^G2FB?A+M63FT&9\JFS8VP(U6KQ1;\NW=+%UK[I. MMVSPM#P(4%L1Y$]U8./>JE.JHR%6OE:]H=#MX:&=VO8+3C]EJZ?(HK-55]DE MDF4@L$\"*O<33X5Z]+8R9LF/6^S26TMA3U<;#07VNU3>>M;U=-D?H!-3/QDV M3WJV"SC:X+J4R/6&@4>+R]7N19KM8FXED\."K7;E5-V&B-,U:$EERA`@K61X MPFQ.3<'!&+TD"=@_$1P4:*O;RCP0-M:5D7U'>!=!_42X[/8QXU,_&1)APZF" M)'1O:K*F:!XJ?RK2.;>%*2/LFUL[;^N:8:`O4[_&N.SA)0$2D"'K$^9Q*O`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`-V/$Q80 MW0])]7QKDRP[&S$>[Y$J9X,Q55E5U_2^P`8[:.\R^1C]$?H8DCYALJ.2)Y'W MA*(*'V#VHB&-2E5EPM-/O;YT74F;B>A:[1T21E+"H"-RRA?':I&JC("J[:FP M=VBK&+7;5ZY1:#,)48_11,(UFW#H#<5Y@YZ(0SAH<,Y_ZG>JZHRED%^D:(]. M)8Z1#;2AD%V?:MM!*H':S''G6$C@B10080FK[`.IEOLAB!+ZR=@?5?DYJGRD M9RP>>16:@*4$7G9\GIU!$HC;,_0;OX,-22SJ.`MS,K'=QU\N.A?\W\'"M%;_ M+H;_ER!:.8[<_[/:'W?ZPVU]J MH0%V^\L@[-CM3]7N>K+!@]W^U)'[_/$,=OLK-?TQ[K7V1%DU:;V>R'H21'"M M&XIMSMA=ZBTNC,(>?;*["=BCK_Q-ZY[6%U()I:0QJ\99&.%A<[F>!/:D5,MM M$,31W:'(HXTM5\#8?0^[[\G,G_F?A)0!H+F3.UY&PDA*F#9Z)`>]%&.(3DI] M3]AK#WOMU=YK$P^D5_QTV>M@KJ,^G2NPR1.Z$1+XK4SX>FG;AL(D>-M%3@E'U087=I=!`RF8@D7#-)AQZ/JL`K,)>H6AP3CQA M$SULHE?I.:^AUAF7)OS8PFWWZ7(X-K!CGB1G;X6D';%CWJE`?X0=\R3KF+?U M_H'GO[Q:!E>/IKEX?>,XWC/K8_31\]_Y=&*'G[P@H,%7]Z/MPM]M]_$[M:C] MQ(8/[ME_[V');QE"?OW7?R'D+_]V=77CAO;$=I:A_42)3X/0MZV03H`T\!:A M/RQG.8%_3@'W0(.0V*[ES2E94)\$,].GQ#(=:^F8[,A+0"YM-_IS\//5]\U@ M=WRP__G,&QC][]55-/MZ'0D0[JBU].W0IL&'>.J/,/,[;[Y8AGR.K],/IN_" MTH)OU+]C4]W,O:4;$@MX!E;WG4Y_N;",CM[OZ!T]]/C3N-OY^YFSO'TY/,#- M#SOX^V:I?*71.B_(TK4C>'[K=/0+,J&6/3>=@#4K_-48C`<)4HI`0?-IVNL, M8YKV9*2I/NZ.D*:Y::K+3%-CK'>1IKEU[["MNO>C:?ODOTQG2:]N%@O?M`.@ MP3O/`2I1WW2BGX(-/6[G"_@"WOG$"AJ.TPD,>QBPP?D`[^W`[X^&P MT]E3OL6FY'R:-J71[_1&)Z=\,FV'!>M74\^_"DR'DHU;HI'W]"$DG\UP_8?_ M1TV?W-D_R/W,]Y:/,W)/78V`6^*']C\YIP4A>6L&]OXR5C-]]/P[F&`:8@$T:K.?@4Q0A0*\W'N\@0R1,67'Z#D"WW:6W#,AO+A,\ MCCB632'?O,!F;*^13Q3^&$%ZX&O'+UV[IR M]6Y3N1I$%-Q,?URNCZ)B`^\&7`;M"E@&ZCU`&@$:P;D6K"-:X;/Y#\^_?UG0 MX.N407CC3C[\L;3#EQU_^[>[:(7P^WI]R>6E"CZCNS[4N]V,=#]KL95SP&=@ MOT?SD5X]F-;O+/S:T!GBL[^R9O3NG$+,=+<`9'G,T?@`4TO!")&=S?ORV]UFM>O%?F"-T1<^6(QLC-+O@+YL(I^`IKB'[\&^O-%.BK^^NRKV.`M2%J&G<2.*J[+SE(W\E MSENOJS=3"=1IK=/,ZZ#?R1I1JX5T2>UK7A=*B'TUAMV1T4@JRVM?\Q'Z+/O: M:6;,6Z=E3%.;PWZGF6%)Q)T[KDQ<(`;AZ:T;@`.SC$H(ZA:Q?#[,[A^SR1;S M7.4A\UXVWV1Y;9;"YWG]H(1$OKCL_4COC+(&`ED!.86X8#U:=@04$6)C#)8?/!'@NN'*<&MA@3R[*80-C/!H-LY8CUJ(@]OB@ M?`4A/@,66$W\G4)8%M))-']#V>-LM9F1 M/82'8"6P1S;?0C1["'(O3FZ5\(,/]\_>^N`#.PY0PH;)5W=UR(!-(&CO1!_H MXU&O^.9)&E!"]QFW=A>)Y\/O[B/U:]NX3VZY??4C8&38N!]FSUN=M<3*B5LG MY5)P/AAV=+V12)>K&C$?Y63,`O1%[?S+Q2:5G20I4^M6L4VG'%EE.$]2IM@+ M2>7WAKUFVEQY':KJ=@(-7=@Q$KF(6R?ETB*3D=Y<2ZF>2JUA=W34SQR9JL4` M*GO4,FY>&D9#?:^JCIJ4JPJ$U`'TNH.>J*,F2.42?&A!!W;'(U'G'^2B87[NZ*;`,M#8+5S4A+N-C77X,O1HJ<<[5#L;+-D2:DD MQ?[J,Z0D2/Y7TP9*/U#XDI)[\X>X>"@Q+9]U,RF;\RV?$2:4.N[)N(9R*%&M M#JZ&7-7D_P=9#R4C?5/I*^/^3N8.@[72MQK2I/D=8UT)9%445E8C!4+"1V.< M^8QBK903&0M60Y[S$CM9@SX4)W$^GHB;&T;]K#%8Z\6IPCQIYC/(]8J3J-W` MJNR/H/(*70EE5VX&HAJ2%NELD(13FXJH"13^.R%I\F\YY=K;2I!O=I MJ!*01JV"C\O?L,B@$\K?L!B?G\>K@!JR)+5%JIYJ-HBSE@S5+6SUYI7$FA01 M53Y])>2RFK222$5Y3EHI\TT9M=*DKKA8))7*.\:'9DPPJ:K9F\W:\:3UVK"Z M/:MNUD)4="VDVK+*W/:]W7F$>A)BG?,WKEKK8LA4A"F4/.2;0R>/0`@S(.\\ MAXWJFTYVA,:?WP2;C_.G;OKL9*8QS,R@!R:59[6I"5>^VD&O_-5F+)JNHT6+ M9$UWAGK'$%7O7DYC#FF[:BG506MH9"ZIJ9W,59Y8DJ'WY+`_$'5FNW3:5"4] MZ:5]?6%G]EK"T!6F]`Q=5".WTFDC@>&O9W-5[V2N>*F?2'(<9):J';6ACT:B M3J\A`>LX,NX6]X6U%J]"3JOIL-.DZQR:X'1G*3+J]P>9[["L M'6?U'G6OM?-J/_-!#>%4RGIU6A'FSG8WV9E7$@RZPT'6ZIZ<``GE=,F[@"C8 MB39S45?.M9=+]BI3"_)T\\F\2RX5K:HEA+"*8:EP6%FZ1LK>GL*Z6#63[\6> M^)`*AY4%9I*T.LU<02\5E=1RPB3LKB$$I>VB@7T=000JF/*$E%T'JSK4UJ)'J,;.^7E.'44YRILY^'8,D'=>$!;*)@SZXZRA:58XSDLYW]D_UBGG M>UIP.^5`@I>E=>-Q85@!&>?>H*-GS<3DA.<4!G>4*XCT"O>$,\%;,[!3F6O; M8&U1CW]?+#$U[@T&IVL5T^;-7)]_:,U"SQNE"U8UK;N,02]S,X4B0G@0DU6= M$CJ)Y#H*.SJZ,IV,M<4BD-IQ4=+!3)R-=+J9Z^^%>A2"^@<) M9=.B)6CC7N8VM\URRFI(K(S[W6'UV!;)D*F=]O5>OWJ1%,D1J>Y&?SRJ/HRI M+B"LL)=S=Y2]WVDCW6D)*]",[J";N1F2D%39%\`(N7^FSA-=7QIU?J)L*Z=W M7G9L,.AD+=?(`D-A1)DLU\82B3R[*`1+/'TG)H1 ML93U)\]]I+[TE1.K6[R^^A'`"I:S"MN02,%%#;Q29;E%N9QPE@D75<J=>DI\FHJ,9*\N&]LN+*LETM,;W2&DOG>M5H&MI'HIH)R8=XF4/9 M"D\2H`:5G+J"-&A/6&<"^2A=;PETN0:TO)L#*J)SU'WY>Y+`-(?9XY]_3X!' M#V%TV-%#+Z/3F`DY!Z:5:,&]]8)[[5APOZ/GH+">-34G]Z)[ZT7+0.4=+RG? MWEM"-11+!'TW:+DHG=S'BN\M&-K'4B^U.7OI1\:L7H M90T.:EA*/H71R]R!IA:JY%$#V;>C3RPEG^YCWY)+IDU^/F/A[/LO]$!E3E7+ MCP&0%`D52:;,2,@IT]VL`8]B2*C(W.PBX:WI_DZ\9Q=6Z-A3=B(R6/H08>U5 MX;`7O[+W/L%KMZNWBMG]SG#'[!\>O#0@LR3)C$ZW,\X#Y`?3=VWW$6):ESR< M!_"M:WGS0[C-Q23]40;PHZDJ740N<=\YN"C)(O)9K^[.;032+"*/]=&-`I1X M9P8SOB7-#EM/?6].V&=[CA1[[<:=P$L?X1W^2B'%,N[MG/0Y,'`9L&6[8*$S MUO,#QQ]8MN@)]+H;;A5*DO=V8#D>H)Y>?:)/U"&WM[='4V'Q=.Q_$N.M2Q0W M8QU);:W??/NR?OR;37W3MV8O?'J>V5K_=NLNEF'`?^CF36]EAO5LA,F(+CUC M/6)7[QUBJ`JP)B7:#'FYK!2$11L.#1/+=Z;OOX#=8^<=EFY8!=H^\VHRRG9B M^*F*:/4E&837!%HK!&J951:#.Z>.4RGAF2M8TX>/+J\&PW MX>JK$_>-"%K9SEPUKBI3RB4CE\NSJFZVR'6D%JTRY3/T;ED<^(WZMC1D][F>/#4T;?KSY??7QF$BK*WZ0N]_#<$JTZ7_[P2M=WLKB%EGW+ M*L=I$)(':OJ,6<$P4IAJP8IJ`O)LAS/BA3/J\U3=?@Z)^J$]M2UV>H'5!?'/ M1*C1_GBP0]0,,]6ZJDQGE'OGK.J=-Y][+@E"S_J=_*1?=SID8?KDB;WTAIC+ M<.;Y?$='[VLP"_L_$LQ,0,0;8O/C`Z2K=;M]S>@.F(*ZHXN0&VO2[6B$+2'* M&E(K_JO._]I[LX+V MM<]FH#O^1G1F)`N4>A+*3@0D8.L@D,FQ2X?U`">=#RO3\._M)WM"W4E`OIEV M!.J$71WO!V0!/,#!/@7U^GM0L'P6-BH?*M=N1#>YF-LO'\&<71_CCJ-3UK6R MD]MV^ROK7/=U159VT@,Y1+/AT%!C92>]C$,KZQJ%:;:E$Q)Z.H]>N-E\5D"/ MZ?W.3MOS$Q-4!G@&I28"\+61S,]/WTS_J\\/I4ZX35K1.`L-#JNT@PLY-DV- M"\HH%60M=>G4#LDWQV1E__>LW\Y;!\;_8U_SA5_G_]#R=\,[&?P+UZ<>@O%U-X_VIJSFWGY37Y\SWX MS0'Y0I_)=V]NNG_6"/^+1@((*Z9O"'\[`!Y\3?3.(GQS\1^/X9M#(R;>(5M3 M[,P0__I,[<=9^)H\>,[D#6$+N#(=^]%]31PZA2'FIO]HNU?L'Z\)'W1B!PO' MA`$?V++7;_C1./P5/HSM@M**_\*A_>*%E(S(U1%*L,6\@M6D`RX>F[8#VFFRRA<"S$#41QH"F^_)G)GMN ML.)DNL+?0X0_^)4A$,36X?&N3Z<@J:%'.,9UG7C3G='>L>/,CCWA)V4VYV&X M/+$$+CLG8SG+"?QJ1Y`P#41N7'<)KT6[,`Q&6,D<$'/U?Z_%X?``6]9'T,+` M?/%OX+Q#Q3FQ7?K%D^IB=C_?9P_CUP$J_$"Z(#]0$QB;N#J4F, MJ9BYUYS/>)Q<1K"/#*/S9@N%JS_K;WX&3?Q$>3(B6#X$H>F&P-O."X'_K$4G MZG+A3:>V10&*<`;1ZC,%P9O9K*G!PK<]+D'_QP2.!Z!XH-H97I/5"E83ZL,W M`9DNW0F;;P$R9;U`4,8^G9N_4YB%2\QZ@>RD&41M4^)2"M*ED0<0V`E9+F*! M7XTT!<%:.B8@XXDZWH*AXX6_L$@LEL]M6B&#\!J$\V6C&7CBQ>2K(4S*F0K8 M60N_K<)D+=0`7M<+"06];S\XE`$/#D!H6_:"?1IK@"2ZK\FM2QR;+E>J)?FC MEL!R+CB8EY`$PJ<6Y3<31YW>YI2&##=`L9!5TCK4?63II2FSD4]`2/C@CZ4= M;4&QS+"[0C]3K#[EZM9_V7`_Q!Z7O_\<,5:20E$I5[CB51@4Q@!X3.8!63"X M^<@7`I^M5KI%DH,VD&S">9]X6$VY^21<);>\O*]P&&SL-PSR`#+-P$1[7O+Z1ET@=@/H!KPH6 M&"D&QFZ,F$F6(C[OU3-92QA[(CM2ELSUX8XR_D"^&[.J+'A;YB`<=U&M0<' M54M[N)!I@"G$5MXS-U84$`)Z'U1:.(OTA^=R7\QCYH(90K;!8%MK7%M>$/VZ MQWE39KW@C^',IQ'ON&!3R3PZ,4W=">_M^/EX>T]<).$8<:0^D*CQ'O.LO'9_@^, M4W>9I/#Z>RJL_PL3U(S+?Y5@3632"HFT6>R6%FT7I^9'@C+\>@2&!\^?4/\J M^BM#F&G]3HS%#\*3*>LY=#$\G)*?*X&BS`DXS<-G(J:C`E\S#ZA4+"!['$%, MMP'LL:7CR,,C:'W/_^7BWRV+TNGT(J?6*\\J"D_OW\5)&!:5G.:2>*E\R+25 M5R,L')22C.-/AR+R:I]TO2.0(N*5N/+H'PZ1XZ7B>*-G"*2(>+O4(!6?-\UNQWA;(FVL@J:3?NG*)=2T-,UDG2C.ZMW93*3U@!L6\Z`EA=JCT1 ME([MIT'*=HY0"JMJAS/'N%T4%]7%1>^)"('KV^YL'\4$AMC9J_'"LZ M+4M&>B`C$V_YX-`&:3I)MV,&(K:$,U-1+>-?";@&IV0GWIQ*Z#0VS^)8KO\ M:`F>#]X!9G4>^%WR!&#[#@.O>"IQ'OC)9[8U M.W1R;GU*C;'AACW)/4@:SQ+],3Z&NCTZ.WI'[/F<3FPSI,[+]1;K!:OSQ2MP M0R\T64^"GXRHUQ?/"_X$HLS_L3I?=L:ILFO6/"!Q2"W[*%8FN`>=#=C]J%W9 M]OP2*`&Y-!*PI!6"#":8B+4MH+[/]53B[&EK]=26?$U6"`.Q?MGH'IX\Y\T& M@+]9HXQ(N+E(VSZ9,F4%^L=VXC]LG\M-GLCEQ]#CL^T')3]J@Q[$^7K61V!+ M`1%J^LP"KUHT;K<:F`&+\-JR)7P*D_O1\7P8B?+3R=:F8R*#/N[I"*\'X+92 M_[`N2H.(G:YFZO9Q:?HF``9O,`GUZ0)`9%"8Y)&ZU#<=T,'F@^VPL\7;[4L. MSYN]V2!O#.`]@&Y=GWO^:=PW-MIB/!COJPN-/)O;75&B$]0K*-D%EI%6M&-+ M9:]:N"1:K;PU'7Z;U-V,TO":K+"5''9-+OJ#"=RZ%%K$8?;I:CH]Y.!^8[96?L>74+[XS57NT,>ACXC5^5 M:9*#:"&7C/E66ISUD-GM'?,,0DT?7G8:Q;B>>[7NK6)Y/JAUIA8W%N!(ZQ)B M/IO^A&M_?P-/U%\UH8X7U&<-7[AJ\&ET?WFRETE"Y9&;:,1'KCZ3^O7;2K_& MBH>-N*,Z=]S#1+-7MDCV[:99R+K-RH%.(2L9Y]U8O/5M[9OV$N(T4+0X:5J8UN@7^9N&#"0;--0`] MS.?;5VX:`2]R,#!60,'J&4;,U5V)<3^/N`GK]JS)9=ZOR1,$-NO9D/18V8!A MZ)L6PS+3=0SK#+.,)G,/M)X9;GI\,(Y<-1=*M#?:<8KCB"=86A8-=I')!X8W M[%6;;1YKS!PR8>+IN7X6#K_^KBQ)]YS(&&@`M^F-S^HO)>+XF0?-H#LRNBD MUD#2HK@INGJAO/M)SUJZ$S1%!9"46*H"@RG9P0TE&26Z. MYY!.T`H=AXR'?JKH/ZJJGQ'=ME6(;:L]A%@]:CZ;_N\T)-]\VRJFP#(B2`D% M5SZ?*(&&JGA"66\']4GMO*.$()7/)TJX4QEYHK7'8;\N0U9N,^&U'0\4/G+C M:H[HD.QI!LK3&*82!TZEL^)#K:/+UUNQ1@17B&AJ49HMJ)J%AYH^ M$MCI62V$%&"YWNA::$M4Y<\PR_0TT,9#D0T_4:=F%(F^B*Y+2JJ0(SIU*+!7 MNWA/6UJ6ZQG7G5.8:VE'N[]&)R-D8RFT.D>?KM`*U4\$B8FJOI%#Y)Z%7)$* M`F,(@4]=K3<>H/:NGQ#]SFE?L(%*(8TS^V.!J0<5PHJ^<3TJ$`\T/W'_,3IZ MB3%!Q4KI4N^.Y;O)H>%(/V@=].O>&*V#(*X6>2N'"JCL#J^%WA^*'CAJVR:3 M";6MK-I6!2^^Q&`]18^+W"_(70TM;_3P7QF*Z3,QH4S5VRKQK>@G$=E$J>I# MVTQ,"8G>;H.-R*]D.T.JVGW5^?.@X]G5>CTA`17:BI*?>OWK46FWV:BI8HYP M=']4WJ4S59QZ$(^H7N>Z6R`H*KAIDO7J%Q7BHJWC$-2="#T(D151&"SM/`VT MT5!$\JGBF[V:7O;+CE)4>7>4JC9J\\3.6E1Y19U:&"MX&*-2S8"A!^IUU.MM MUE(RZ'45@A!!3)NFX5M^A^'6%5;L&N/U71O\PHZ=ZSEL=MV#Y3VZ_$:)Z+*. M^&Z$>710?L$.RJ_N5HBOT0CY/_CE'&3";TYZBN^$6%VC$85(U]L7:JUNQSD% M$+M_Z"?=&">NQXFO9JOY-K8#ZUC?YM/K)2XG,@[%7@UBGJ.9Z M<:^KU44KX0Q(P"ZH9)=,O0"1^-4@"4)R+'9[\0U/T<4@0&H&N!4/^D"3'ZP) MZ`)3$>.Z/X)Q37;]U7'VW5<-V55!--)IF1BEB\0!A;6V[$G3OJ4JA`CC`9._ MVU2S-$60=>Z[Y6+A\*ML@,,^_*#6DK$C^;ZYBNW0)4KM4)/'+E1B=R#]L026 MFMI,)R4Q2-<83%QFQR]!NXS6P>]:NOOP_=OZG^RN)::W5K<,K8<(HOL[8Z%G M^L@#A;*986'ZH6W9`!Z_ANCH+4$`[OI.',]_83>.\0M75_?8+^);:N-;1=DD M\4_1;4[\"E#V_LNV"N)_-Z-K=J(;?U87Z(7F#^*8S\=46N;+Z'2MVTFH35W3 MQZ.*+J3[$.GO(*EC-P-L[FCK#))6J%>_%:(KP-__)J M&5P]FN;B==)$W[B3#_$%3&\C-F$:(K@'$7K+I.G7?_T70O[R;U=7[".?SAAW M`;?>`A/.*;G\Y`7!SQH(([\XZ=[\H0&71,RYNDCJF\FXZ.HJ&BD)PWJX:#08 MY.L4AN!W/L'\W^GTEPN+(:2C=_30XT_C;N<"^-..?OVMTS$N0`0L>VXZP2\7 M5]V+7\=&#TQ!9WNY1Z:2876]]>IZ&5:G&X/>4*7E]3O#',3K]HV12JOKK5>7 MA7C=X4@H:Y(O'EB2_V'"2KBT_F^6M<`W:_%.E;5?#YGFE27^\XXI_K,6&6>- M79)G3V.[G3#D^2/6+*Y0TB?\QQ+"D>F+T#"68WF\OEY1U]^0&\M:SI>1+3E$ MH':Y53NWQH%9C6^]92;/FIGN8W0WH9G`6F35K2WG,#K+OSRRZ+"PLI9@+9<.=T&\ MY+VQ*J^'69<`8BSP72#RC0+-2S.EK.A,/NXJRL?OXZ1#'#(J3?=O<<+D%M1L MZ117M87]/4L_5%9.MF=*Y*T66R6:3'X;]?]9@C^:P4X?YZ,3^>U*C)ZTFX!R M/AE:[V2992%"5V(5)"/TI:$9_;2R]-RH5+Z,LD21T4]V2J806!/;2O:.=$2Z0I4_Q*7G=7U-#12NEFUT%K(])1R MA*U]!D@F\<@>9#31*MW,O26K#=@8'0C`IS#S?EJ]$!.?7SFX9ZD*9`#%0=&5 M`8KTF]7;[&CE5Q`GG+*S?:^T%`[Z9LU^NASUR\G]H?-6YE.W5S'1T*W>Q9OH:YH"-0\9,(4,)"M>6I5A1@7V)^HFT.@I(@UJG8%`LY21$Y2W2P6W70V1 M86\V7"MO3DH4NE&ONLLN*JWYK!"@;"GH*@'*E(VN$"!QB6GI^`SKR-]\R7`N MHIE*!@O+L;!U8O3;+77@%K"UN1!!EWL5A02(ZC M:PRPM+PZD1F>S-ZUNXP/B\L;L+\CYY/13[D9N(7V0J8G+"ZOE3BGQ:/-F[)8 M6MZFTO*6.%KY%006ES=!S=?_=&F,>EA)+C>7Z)V4]O980E<'@2[UTS=YG>FE MM;Q"/#9F:,`DY'S9GRZ+IE#1IJ%-0P(=?1J**<1I8@2'M>(*[?G4]82UXE@K MWCA49WW*7"N>Z5ZLBKI>8VOL.DN:A\+M?DU]L$\50;6E#W9?!6+NUB;'90XG M=(=<\&\5(J^+>94!7[FJ8V5+C+&>N&HS@5VILT3.R:[4PDN'Q9L@17WQNIX@ M*BN8]RL]OI68JI>ZIG=.MB.JKR)+8K0EDLV`OU.=S]M<3R5GC:]:FAJ?.F_Z M`^'F6BW%+M.3G-6[S:3$:<9O]ZZ8.L6Z?1G*9!4OUFV%OY1?04A:JHLNELQ/ ME_`?16N8VLT28R7+FII$LTL=>SJKKM4R0\7V(CMC0]'" M6HGQNGG2M7Y6W7^R4G;'>AVO')*IL+5(.'9V("5M9^A,2>DJ`<+.T%A&75\; M:#'[;-)1&NNJY:]GQ;IJK*N6`7"LJ\:FS`*:,@OOU8OI#FF>+O7.2'2M<"OR M&KH^Q!KK_&A+.6?=[@(XK*Y6;>.EKJ>NUND6RU_*K"*R2EE!OR_YTV35$[D5CJ5D93X;`,@RL*RLF)\;X9&X#6Q5C M0;3*_%W_DZ$-"V;5T1*A)6HF@4`FN@6N,6I)B(15S!+L7\C^A%7,6,6L$%XW M3SFJF-6JR\3Z7XD`*JG^=UU[:Z25`O7%B[1P1^/2_)FL-AELERQ,%M7.:$#9 M/R=LOYF2"7VPX>?0(_`+>>>YW+7E.P\K/^5N1FEX6F,B*V9DQ>,'-PI5(=YS M(+\`D-]W@#S='7VCMRN>^7[&JF@=QWNVW4<2'3-9^,"2C$<9!P9`*5X+X8;$ M/+1!YBWYC@`UK1G/R7@N2]7`7_8VS0Y77[`:7C91R+MWF^Z$N.D%Z'W^(O/$ MR25(4CCSE@'\)?CY]0D$5M2IOH*S.J.SFM!G+#KM=>37J.]I:-I.0,P'QH89 M.2[+?689#$]&-!I*%.]&9BEEZ_M4]51J!70)%B`K!?8,0C'HLDZGRR\W-],I MM1A)F>4DX('-"5>C:ZH&(5!\SC3Y,\@1Y?N^M]%/=K"R$'22-:Z0@@\V"NV4 MI](VR8]NS?@BB*W+'#3!;TDZ/1\,5)-L7@*\0GZM2>:/@E.ND"ODFN\<-`UXQ,9\18#A\"'.S=E(:;AKHZDD M26Y(EVU17/ZD.:!^CMD]L8&$EX\VX4DWBG6$:_/.HIQ/QLF[-]54W0KE/6[= M)QJ$/*^1Z,3`_1->VZ[8/FF9L5J3C0H^':G&Z/6PB+^UG',Y2BO$0>-4IG'Z MYGM/-F\JPT+B.!$?FC].QL/-BV;:;)@:X^>*?AI573"NF%UJ#./`_Z$-JO>X M5>KYWC(Z>2F0T5[UJGN(>]4MXA9P;/L<4]:8LL:4-::L&V6+SPHF3U_]A#EK M=9XN]2[F!6KT.^Y,Q_19GIKMH-/YPO%>*%UY(05R`YBR5M"HX%..&'*(R0+D MI=-/S:M@4\BB8::[]?:L,=[Q69YU%_=;6\PFEV.,JS#7+25N^&4>^[W0Q2FK MC`U0T,XU]:FO5\Y,:/IJ>=+32*V@F<.]'[GV]'#7LS6<7T7Z&D^4GWN!*!XH ME^Y`N5K&`X^8XQ%S]!GKMYP*)2WPR#EZLBK)H\)F&%-V#7_J=5/J\+%\3Y&G MWNA4ZW\U5;="NTQXY!SK':30`_4_7>J]`=8[M()-+O5!&JG1[&")'9H<]&#+ M?3)&`B]K:J+%:0R7=`ULK875=%+B!D^.8^89,\^8>6Z-+)O;3SA9CGEF1 MI\ON""-^/"9>OX5H<\R/3]F?^BGQ8MLS`VU[.GE-+IHO3%BC\4)76'#XTRG8 M):LU1J@Q/'%I]#$\PORTE+C!T]ZHK03ZT:,41QJ/=M=/)#%/QCBEU9J"-@TW M9^3:=,-MR=9P_FD_:WV.NIOFLO)\<4+Z3V0_2UCBE__]5$^T\#R[05SNLG_L.\(__!_KZZB;S%G_GWB\\3'ZRE! M5ES&=M_I])<+BYTI[N@=/?3XT[C;N?CUD&2LX[4+X#4[PRI?]8(_XM& M`NK;TY@""9+DE[6=&5*==O'A(%"(#$C$#"-#U]^0CQ3<3XB#_L8RCY\\TR5O M3?=WLN>O]EA M&#PL_<<9TTP:,0,2+*V9QK[QZ1]+VZ<3$GI`#=L-X?_80+9KSY=SD,KU<1CX M>\!PNS5Z.#-#T`1\(_/9#F?\%X<^48>]9DZ>3-=BQWF781#"W+;[N'F-#7!- M;@+VYE9_"<+XGBO1]]2*_ZKSO_8T_B5;$H5AF^"'3`Y9!&LS[#6GW1MV!EI MG4Z'C\G^.=#9/S58?;"@5@B*P'FY)@R7T6<3CVDI+R0S\XD".GQJ3H!*9$)# MZ@-NHF/)INTS+;BD^VA=A>:`6),A.0A]VPKA7WQ\C5BF[_,?0Y#]((PV@=E8 M)GOIX05HX9J/E*WH^I`GOP9U"PT1,##]"LYH+(:RI0.JEQD@GUK>$PC.@^W8 MX+:>L@PMD:*UPCPHC/ M,QH/DASYV7:<-1R`S(`7SC0H"1A5-OD.&5(9(--/E$PV\F3Z6(XZ"]<>P/I_&K\:K\``.^`/0 M"!ZFGC]G8D+I-(<^V@'[](GS[&I2#TAJ`<$?HY/W'"]+P,@< M:/A@!G0;B?#=Y20:V;%A'1/&1PL/$!.3?R/ME,2'`:]1V#PI*`@*8*;`GG-O6 M4S$PMT0HB9&8-1AFO2!2!0",#QP+TKY9NKE84-,']3L!JL(*->[?!#-@,\Y^ M"77$[+SM@BP`W>B/".4PL`NKB0'Z205,:]J@>0@`ZX.(.6REP0SLS1-@QYU<9W&A,CHV M:U_J/7V(Q.I=#.(GROCJZP/X"U'VH/^$/3^9B&G)ZD.^IYN=/4TZ/7A>%P8^EL7 M3-"2$4HC'YGA^B_.7^_MP'*\8.G3J\1?_^(_Z)GPH!NCD5$B'LY' MQ!YKY$6$D0D1Y6%``E[H9D*!,>Z,!S++Q-FLD%$F!GW`=PEX>`<^_`OSN:*\ MD'B^.*@U5[-^I^"+@_,335Y4<1XVB5*)R]ELDE%<](%1BKB(9I-LQE4PFQST M/62R*VAV]?3Q<)23+:;49Q$8R\)2-XBBV!O?9Y$0C])X M>NC6Y='(TG2T[3<_1"GVJ_<0$5H0I9W`6311\NO$-/\-LVPF2;X4SY"6DOW[ MO1TZ@,/-(!RY*[A2T=,^#N!$X'@K&<1]1O&,]UBCN"4)Q#U&\BV)= M,(KULMDX6;]]##_15MF]^2,>Y6U\.CIE^2DFI#_8C5=/SE8NZ+O;;J=!O^KN MND390/\0'?;R^?2^_;!<97(!<^3R]Y]AFNC\^=;O"\=T#ZR/O?@N\=XW>&TU M`;/F/F5_-?V7Y$NQ)UJ<K?T6<$+^0@S MF@[Y?]3TK[[%;3'8:*>L*YLZGIE/O)XVFG4UZ=: M"0[\RNUPO(KH]:UWLCH_!P@F8+EKXMVR=NTTB#:*BR)]-0C;N9$/D3S_,CIH M3XZLH5+L#.O'CF[LQMF28&?7V:T%.UU=4M[9C;;JX9W.7HB6!3N'C(9&V+F< M;WP#WK;6/[T[`W\PX&J\^*_R2N%AZYRZ&$E1*@5S7NUNS2B.4@FTX56J-E0* MIU)X)WJW%)RR#`$O"_Q.P3=TR0J)-[QVK2AB5Z-&@W[EBXY&E)-A^^,TO7I\ M1;(C6`KN[7?3M*RZ");"BNGCO;V23'=5$VS0XLOF0 M!\>;Y<:1_8T[^>*Y5O2/Q%Q']O>+8?G0SL`=JQ)]RPI&O\45Q%D2&^/!7G*[ MT/(*(/]NN5@X?"?#=%8I*:].[I.*X% M)#E'-$HAB3X^F98IDR1UJJAS1$.@BNKO;1V>AWP>?JP.O-")&*[?S=VS2;ZO MYRC)VI;![-U,VS;;RY,,M2)<\5+T2&>W\E`UW(J)(\O1T0>MIE*X%1'AE*(2 M#EJ_C*B]H_Z3;=&SDN_Q&/)FC'DJ[F3IH7,]6!&@GR8T961 M::3(9!F]DS[?$=2\I_QXZH'ZL.COA4X3#L?#46]7`4;C%9\XRT'`X;`[WDOH M'9GXK*KS:(@#Q>'U5YZSXPA[QS6.PEL76BH_!SD<]KJC7;UZ/EJR'V$1S3)B MC[&<$-EST)/A$,L9/%/!019A*"B',\HY%]CO=P8]\2JD#%FIX\C7"2LC0E8D M896,9P-[(Q[JR*PWZC@`)Y?>J.@\<=_HZP/Q>D.L8%1U:+8W-HS=RHA,N/!A MG$VW&W,.&LO^)__#@66O7[Y)O'?C3FZLN/R9U::<=YBC.]R3[RRS5KND?$=K MNOT]5R??DN*&,"0ZT**1KZLN0WOKB=^,7ER_=B9)],$._(=G*1'>?/C6^^.: MXG([P=*>'E-%-0M%&_0]9Z;AFNF^31)+9X*Z^##?N>R1L9$CJ=4BMD)Y_B7H:QH`2\09[I;WH"LBU8 MTWW9:_B5P%5&M,-'#SYY=:@!:V*P/2[<]`[F^+*HXRS,">L2R;87^+^#A6FM M_EVLPVS<4':4O-@AT<_X:'][40VZQUG:3Z^;)1MIS9+UD?!FR1;KHN>+O:)B MYE-*Y@#"+"#`?'1RNM%QCO6+;Q9=POJ_``MD7?Y6=^V"MY8HT$$[:\_KIHG" MNK5MMZ.U2P@RKASY7\058C$FQ"`BQ84L@5>8.RT_7LI'0J],).AB+K="[I"1 M.\1>3Z.08F69LK@+C+E8.+;%@PF(?U@[;B_N6I_IG@T^UU&4I%YX5:4*%G_? MU4^&-NH/65]\Y7!5,F*Z6G:%EI M_J)"@!">E/O.9+L1+AU!K75=6/&&=2`3G,P52W-#F&R,+AL\S1&\0O8FSMRO MK378Z0-&1%Y9_&_N);$[F=CU2(]T'3[$MZQLKK`2%XEFNRY7T8#B]%VT7:VC MZ]I@E'(CK:S8K!EUW;YFI.6*,!Y)Q>0QQAQK1L?``"8G3XZT\?#47>*M=?,. M[.%?L8O5;$LY'JL^H="Y'J?D?B5$4\DXT:]U'95_ALS==:=*(ZD$[W2OC0&F MH!H5>;[)N]M9\FB7DQ"-0*>YHA>(8NCD.!ESS?QFX\?CJ2*"Z5/ M,-4M<2B@#`B,5K9`)N)E,7A/N@&T.;O#[ MW%DS?M_F;5\S5"\5K'UKF1$0\Z1KO4$Y-9I-5@7"<#\ZE;HH`_?M,63BY&.$ M\E&7?!BG7-RL@58336W.:&NR-LIB`J[:]ZLE4T#,:^YJ>C]E%T-6;-;M5@^T M85J!K7C4M<<4`HJ-CC885H[B1G!GKZ/UBE0Y-S_7?K`.8!(EX)7;IL1*``F$ M$2L!LE<"G,I#M9)WLE<"O.(-.M;_:D5'EX\0!K`N*>%>*PNR/MA.NAV-L,.I MO.47.Z"IL6]`KS^S_QC:8#S@/^G:N#N*@PV-I??894407S@O[%\.OX0Y]/A\ MN[D_?D3$%FZR54Q@NQ9;#WV)1C+=T+Y:13K7 MY'Y&@YT_KL*CF3DA"P`*'GW3?>11$IO]IU[ONM^Y^JG?O08<3/W%\=I^FV(9FACO7L.T12AUP9!@LF5>>#> M7@^BU?.FX=?1#EW[+;_VRBS)I>V"BG8$ZN+FO=9-LRX^)7 MYK,<7P.?H&KX3W:UVX6?V0C)X#_917`?_DY/,OA/MKW;A9_Y=UGA9P?AHW9X M`/>JKJ<8Y*NO2X0]GJ)*Z`5*;BW0Y^/[KE30"]0ZN]"O[^%978'!W[IZ8!>* M;5V/II$OGOL$IAK^?O-L^A,PZUO7I_&++[YX(7D!A&SNK-'BBX^Y88O_S/NZ M?M^8_3MN]H_U[EV!&$.XN?`L.?T:N`BV>R\TG>3O##H`[O_1Q'4Z$6#@ZB3` MTE/O[N`3W+\L*.__NUD%7T3<^??7;\;_&WPVQN\3A*AT%270]Q!IDX-%'Y&O MS(=G+K=+OBZX+R8!I3VVMK4M<,T/'Y>@ M#\(E]XC!I?QC:2]8)_P]2JQ^8%?#NL&!)MFYVOL:.QW@=X<7#EZ^;KYZ9U0U M>+GZ:QO=:L'+UUQX-,@(W:9W>]0L7>,]W/E-#]\A(+RZG2_@%=`2GSP39'*M M)59O,8UE!C/RT?&>$S]_MEU[OIP?U2H[+=I7H[$I4Y5]H@L\OQ#YG6,&T8T1 M*V`YK-',?_\.85VD*V*8XK^S$;CHWE-KYMI_+*.7-NMBR^*K.J14!DF$WW[Y MN'61P(G%94?\9_/'-@93,'Z,4#(@/EI*68B_[O3[@I%?$-?K3?F;>%->)BJL M@(MA$T^-'J=%5Q\+)L8Q;._IF!2JG4&#A&7=O8BBP2JHH!3L:2X9$*^<"CJN M2PJ:9`FH4)$*TL?%55#B)BH@R1HTLH8M$&V(DS/NH^+`E8IG$2,WLG\]N-P# M^$U91T%DWRP6OFE'@;'#MBA\TXF^KA#EYYG@(RA?KVRSL&A=*\2?6'IEZ(\R M!SZ%F2'\9;K!>W8!HC6*,]&G>M;G<'\'L#]PJ+\RH!M`CDS83J59]6+14'(( MML12J"6T!)4;W_IY?>6"\AMT?//!=NSPA=Q,_K$,0C[.>=C/&1%L09$`HM[H M((U*J3%"]ZA3>FS!Q4@EQF;GS."50+,31B-G1'TNZ=0B7.W"EHUPE)26/V;!,="R:`"Z!@`(S,<4IQ_,Q^F`PJ(AX M8H2M+-,G6/K0]%5E^D03KE&F+_/VS%FIHIKT9)-D+'-TIB2A&A7"G1=MUQZY MH4S)X2W6LF]7G'*\2-FHRFZ=2:*J0C;!8;>Z(1M?+?SO?R[9$2'6QO.)_3CU M_'F4*_Z?>WY1'CM'0_A!FC0:1",FQTL,QP=;G\E)K1;\]=`1OM6)O3_O'-G[ MLQ8=XM-(0'U[&I_O2QSXRW_64N`U[PO?8S>L!\0DCAV$[`=ORL\_!?:C:T]M M"Q`&I/<>`/HG_HG-\4F63)ILE[\[911\XA2<;Q+2;'"+!OP:>6*'=!Y$[TS( M,@1F^">;S*%/U"&WM[<`\SH1?[FJW.?#>\O`="?!SP*N>L]R'G/O$/WF3'^= M%[UGZ2:0]2;5817GH(4W(-@_T5=*JZ85)52X576C.0NA(N=B,F+.V&N:*YHV M:MP@?F!C\S+XN4R>-0P5\/+;GC$I$R>"FCZ4C!/NLY6*AJX*:-AM=%9>'Y[0 M6^PVX5'4+&Y'I0+:A`@U@#4VS/KI4(LGHY/2A+/"[O)9#&6.)E(E6,42+FPX M4%5T/D'*LW^E88#%-C93H#0(B0_Q=@H:4FBOA)7K7/6O^W\Z:YU*F+'N-O3&2#!Y1REH4O62[N\781]`!@$I&BFSWQVS4545W-]6A M#=KA36Z>AMJPE](E7$&]I)`3>6(SIYVN)&]9!E/'3=?,"#^FTP:/LMMI@4.I M#ZX'`_0HT:-4PJ-42(7>4<=AVY"6%X0M",#[?[K26Z$ON]?&R42#^EXW:DS4 MF'5HS+]!U,4T9M03M_DJLT.NB#Z*6S"W0',:Z4NMT=G,7>%2L>;*6UPB)W@U MZ=G=*Z,-J8?3B\0\+68=,.N`>=J4Y?9:DJ+.=J,.=I, M]U_B`0"#TM*D&K'PY)E\"P>EFSP84F9M_9* MV,E0P![)?4RQWC.)W0[N4=2?F\NQ4JVI! MY[&ESJ-"&A2K6IJH+D?7?07/'J*^1'TIN[[$NI8FZTV]WXBCAW4I4CQZB$@A[M>WZYAA'6<*AV,#\Z^8?ZT;#YA_/?],H1*.L7I'"C&9@,D$V=4G)E^; MJ"L5/%&(RA*5I>S*$C.O35::P@X4KIZ/W@6:XQ;.0]>#LI#'\=C]D@'Y'_9F MVMV?B0_6`ZMWO2?_]7@O)7:CJCU]$ M_SLQ@\"S;).=,7BVPQF_-#6Z^M2;DH5O6_SBU?BD5W1]<71':G3':G2I*GO' MY`)$3'="'#MZU8:EF&'B#M9KP@`-9SZEY,'WS$DT54`F=&JS:XL?7N!7.UA# M_4),@-9D%[6RVV&#U^(06X95Z@XRL<):1Y=_ZECOY#MV?"`G+*897:E.P*?H MKMX][LC@^1Q8\%C\67OA*_[/I<=$E@DH$S(F)$^F[<2',8EI\7NI8;C?F5#R M:X[9"+8%>B"65/C;EJ`&J_N5?;KP?#;Z!-3"WMW&9QSE1PEMNX2V242_Q<8S MOI6F2/[8$>$]D-?(\LZT9_XK:_+.)[5,K=%Z8X,)DZW]M3F$? M$V%N=5TS9)8_>B&@Q^RU[5K..$PGE8AB3TS0EE]IS=JN[3 M/Y:`#.=%X^-'8\&R0_[AQA^8D&7`_0N^0'`!3!=\$0>`"$)_R7TXC:]G83*' M!:(+OL(((@NP^$#)#B+HI)#&6KU^5"F@)A"L"=JD"FX.RQJ7B)D)4@]_"(&] M0H^XWA&O^Y1P!RMYG;`!XC'#9^_JV7Q9.P%L=B9^DPYWV&?)J26Z2;J4PY+K-QL%T!G_YXP(9V#(/..&5N?$:850%A) M`$BVI^"*N&%B=@@6)X_\`71./#&,4:/_(7O0=P/8#BS?7JQPS0CPM&Y7`OIR MYDT\QWMDO+9DV]+<#]SHU@TK;$5I&N.U9]!L['_9F(_4Y5O9E@-&@U-N-6.P M!$6<''&Q]`.60R$Q/VS`68=T&H$`#^2!00,!YP.%P&Z/RLVEVJV[PJ>6%`[` MR8/):+1<>&OO(!+=V.BNQ&YM=Z_);4R!0Z]S66?*8/W^B?GXV7K7=,",3IA^ M]A9L.&_"8G.NI6!,&!W6S1B),T@D^5K2_XCFOXK&W9CL:[+IH6-.6$XHYCY0 M3@_LJPG7?-3EJ0D^W4%7@*\(C#TKGYH<2"PPIV9G^)4W8\Y9/4+`IO'IU`&' M@42=%7P`$Y2K!4)@AX!'D^G:R.>(\RE_#N)?GQF[VBXX.!H;;^VVL#\^!EM" MLTSVQDDBXL9]B2CV=!`CW*U:+!P;UF=Y;F`'(7>CB/=$HTJ*:_)UZ1\5]-EJS8(DEM"/NLI1-]PA',WF3,\4"Y+VGQC">3:!<8B-56V?_DP$>?>_X* M;?%;TR5W)CV9S'E@K=)!L&Y@I2&)SR\8<6T:,!M\#KF/6AUFN#3JB M/%6$^Q7'`Q'!9L($*X<1N)3!.;&G4Y`99FBV9H`%@2I;SKGJY&RQ,ER164N@ M#D:QJ!^:X*(?YDI@)&<"^`F6#N]3829F/6Q`&>]N##DSPK$E]TTWF#(G]X&& MSY2ZJ_18K-L3(VPGR)A0@$UE.3E.8,JBB25+^<5SLS_!4)%QM6S?6LZ#$-:R M2!.-MB<3:;P$%5YPAY>!ZJ]@ME`IL!9\>$/ M&W(#:6'JX)36SZC&X:,'G[P2:_A3LMK"W<./:[ZZ3?#5]X2F2R2XF;-U&,R\J\!D<;B_<82CI':& M:!^D/6&INXV@EF M]H)!&)F.!^I:,X;!U>1)FA[#_FV42TER`S=,$Q@P8?)![9H;.[MR0B9@5JD? M30U[7/)]_K]LK$-MI@9#HA5B`'/9M+_J.W#&"Y,B>F^=V+ M#3&IO*K=MWW.+Y#9K.D,6_9#6!FG$'-,(X6$)50:Q0:^4$65LL02U%6^-FJU MC5RZXN1J"KWD@ZCI`G_OA2>/C6T5T!>L=E9F([%R]R)[`7R]!?G2]?F4#)X, MM]FV'$&Z9`#)AB#9X,E[/W.!`A,5[,*A=@!WIW+418IOVL%1:$/0AJ`-:1,\ M>6W(V>=S%3:WX6R"VD@=@%`]5JD>17;J:K1S^_4!0(F* MR7@98!B7)S?0O:TAG:*8CJHCH=)2%.5)J;031=(!A%D5D8;G]-/"8Q60K$X[ M6#[`FNV`6:@&&J6FY%Q4?&IDX*-XG#$>:?H@6[FIHH11/O'1Y*=&J@3I`&JZ MCL+L0\:G=YZ_\'Q^I'>3AT`O3S)^KU\MHTIOE@;5#6W8&3:9,.CE2?S42)4@ M'4!-UU&8[,O\]-GSPT?SD5X]F-;OVYT);+>!_AYN--YDPF'^0 M^*F1*D$Z@)JNHS#_D/GIPQ]+UG%^*^VP:7[;0( MBSCR0=0H41;:CUS1IK/88+;T7:(VX@<;S&*#V6;!@ZU01.;B>(-94^T<=` M.)#K*2WT;'C3.Q&Y4779I00GNN'\HO<[VFA4_\1T@53[HV&'?4HGKC'-SZ M0RXYG]0,!#'=H-:3FEPF&SS-T<9I%K&D?N_PT8-/7J4,=AI3]QQ37P!3WS,U MR__'$CR_Z8M0]'U*Y5YN?;H*`A@$[5KKSPR?;?+"= M*#?QG5JL'RZP6$@^FK9/_LMTEI1X+C'95S[+8OBV^TC>FH&]Y[D61YK`!OVE MS'P_H^2=-U^8[@N0Y84\4.+3/Y:V3R<:F8*,<(DAH.#2X)H"&@,(XEK.< MT!5HX0RF-V&E\8HY\X2`,,=[ICX[T&QY04@\GS'T[S2,H>2?P0L,DY;WZ`+% M)CL+>:`P1/1U/"0%-,"`['%!?=N;7)-W,7X/HBT)T@$,7>VC*%K:U(-?'"]@ M7T8C72X7\)7M`L)A^!AD%K^QA07+AP#8@6W!VL`DML\D\.?K]LC'%Q'(GRSY M/XR.WN?\SNYU6%-D+49[E'F>V=9,(\?HHZV8;`,.C.W3A>>'>["%,]];/LX` M0&L&VI=>>=,IEVI@.)`0[YF+#NLFO?""P&:MI1W/=.$_`$LDI:F`)I@E&AEF MSP;W$5"??3ND5Q/OV5UA:\)DW8.A?8YHFS4:IR!%],>"N@$]Q9A"3.?:5RG_ M2A2]LWTGRE;[\J,^T[:/U!TDUY595NY>YF#?@:"@B:;[+EU2)$?=PQ[Q*3?X M?-G-Z'=D#TX`&C;C%CC;KDX$(?L9\!#"W-81Q-QR/0F<^@GD)R!7D9O+/F>_ M1G]DP!ZL&9P)8&RP0)J>;<T(9Y':\A&ORE0UG M1J\S*\+P9D]M+OHP*3M//5ER"[OZ1@.`7/,Q&C>6\"!A/,@R8+K01!;+CS;F#LD(C M1SW3N[YM7I./L"03!OR'Y[/-/L:1*XSZE*TQ:NGB4X?#R)>B\26OG$KO@1F- M@!D>L(D,OR"!U'>9-5TL?-,.3`?XC*MTMNZ(O"&U9BZ0.\;",C(V8#@<)\DC M7#S<&&/1^3$-2``S^QP3(%?@30'@P)+."S/%W)`EI(+=G2>\P'V3$B! M:`VM!%J)%"L1,?QW)D,?(AD"+P>8/$+.R-#U-]N&(_H@*73\`VUE1X)8TKC& MB1PH)H9O3??W]9C#-\':>V,1'(B'10.F=8-(YX"6"2'T^B>3+>X91A+*5.N. M=I)47]U$T504L\[HUFIAD4PU.#1D:#NHHUQPMB<<^@-*2F`:IZ2\R;8@K]S8 MFTQ!RV[,8G)?X8Y%S=%]=!UM$\#LW5+':9_TT3D5.'6C6/>2_\U;!O!Y\//> M;35EI;A:<*EA)9?"EG"9T2YC59XYE^<.KDIN(L>[#\40JYJK9_$Z1%'DJD0_ MX@V)"D+4=('/=6EB_E*W0]V5FH M/!^GXNF-&B51Q2?5_)"Z+D)$MI+D236&;8/CK&L](]O-<(K113J`%%=J:8PB M]JBO*.IA'SCLM(B=%FMOQ]!B!,D&3\579%5;>%-JEG583BVS*@:C"#C[* MXJC*_C[J(JG"[C_*(DD^B,IO%51>"AF+)20IEL!=F3;DT51H1*$0KR`7UIC- M;3P7CK2A@34/J!ZE8TSQK"QI@0-6,\A:S8![S,WQ'>HJ74`>0NXL@SO5M*UX=A0C#_4!$@E39K&%7E;&IQ>G')]W^YY\PC6'8CWPEAUDWFR)ZS1!7'L M@'>>B)L!!4`D>VI;)NMOY"9:6\0-+'C_FK@K0J+W0MR2@;=%BGMQ\+Y#X)_/ M#W3D<-9],1+M<2XGK`^''Y"M!@L"&J%E07WSVROH0Y6*NM?4R]M>X3PDC83K MNQ).PVZZOA9"157[7J)IHXL/#4L@SG^M.W_=KU3;9?!SF3QK&"K@Y;<]8U(F M3O2."CCY;KJ/Q62XV@/_):/AO[DU8?V<6`O%DQ@1OU&MJ%DLL'6=R>,78P!K M//5Q,.MM=`82ITV+@5.>511?O+=I;/J.-3;]R!J;GD^0\NQ?:1A@LS!&$+ M`O#^GZ[T5NC+[K5Q,M&@OM>-&A,U9AT:\V\0=?&;)OF-CLU7F1UR1?01F0,, ML_,LA!J:TTA?:HW.9NX*EXHU5][B$CG!JTG/YJ[^D!1[$A[\KBLQ*O/!=$7W M^\\Y#-2V5&WVMGHJN:^8JE7.:\94[9O.E=&&U,/I16*>%K,.F'7`/&W*6NOA)T,!>R1W,<4ZSV3V.W@'D7]N7D\DXAG$HNL4PGG M5[\>*WEB7(L6CAWCT$(\>XGY]NXX9UG&F,.O5,RJYI9A_56F'EMLM(LXT#AZ17>\Q5^H6K= MG;F^Y3)879+YSILO3/[?#,CEUM66KT\L)R-FX*,'G[Q*H8JD9S/+U=C=<[*B53;%*D&TWYF^_P+4 M*Z3#JG0H&@]"IL81=6-ART/.Z)FDJZ?9:'FE)QHSC;G$3..29-;9/U<1V(F$%`PV`ORBC# M]SBP(5N]#X9`I`-1H3]Z#B:RYVR/P+HO8FI+-3^C;KH3,EE2,@4@R(/I_EXL M296!,&7BIO)."XDJCH[6+=@3"9&&2*L;:94XLS4B3X;+_*:T(47V&$`BPMGQ.-EFN@!'-HB$O(TT'J#E/9,B-KB MJ"V614742J2U6^F_-(40BLI+FNK`K,'NQLR3:3MLB_]JZOE7@>E0$E!KZ=NA M7;#+6^-X*JL(=CL=;9#6LA&1ADBKS(SHVK`_1`N]C5IC/-)&PZ[L>QX8\V[O MZ+'NP&1&G0D_UL0,%>J,>1\G468M^:[N]1%QOBV%-V MG5*P]$W7P@CS;`5@=+1AP5P+XA'QJ`8>T;"C85>;$,7)A.F$W4L(Z>/2,4// M?P&`X5-D\7+R?>,1FD-$+:(6G0]T/M0FA'#G(VL>(^T0;--KK0!5Z-95Z-:WCZ?H)56/*15BU MR5D-U"JL>4$@L`X*ZVM/*L1-3QC'-A]LAY__P,8P"$13!+N].Q+OXX/AF._: M9IR?R'`\U$98DGT(,6.M8Q0+^AJ-F'Z_HPUZHA&C?+2+75OJ84>C-]*ZHU.G M)]'-W2[U\WS?>Z83,EVZ$[2(9^=">CUM(/R(:1OQJ&OC(3HB9^-1-[31*.46 MQO:99QFSF,C0F9X,<,3'I_S-L\/=UN^"+\P7W`*74ZD,QL7*I9`L2!89R%(] MHM!7P8WS9A.J.!GS7E77AAO68K:NXH),>:Y;2]*BS7>K54A\O&BM:1>ME;QG M:<67JNG\4K5B?48JO>6H9*6BR@UJ):-!I>O22D:%,G>C58,'!2Y"JP@1:MQZ M5E$Y6Z8KSF1SA!`>:>#)Y#5*A9_L.P(-$WJ5;D"3I#)'U[6>(>=I;\10FS$D MWO/$^KK?I-&FW M@U&-1I'^=%JYM7?*W38F!_=U.P--%W[L"#'4)@QE?=*UP5BT;ZF6_>UV>EJO MC[PDWQ-&X$=V_A2Y':U)W-L;RWGN#7&,.*X"Q^>C#/N*J&-AY+XE30YY[/>& MFB'<=VX4A@8];=R3\](X.3`DHV?=_(BO*5AODB2DZXHV1WQJW5DF!T<=>C(Z M6K>#6X"(-#61AF86S:RL6"].DW:'VDK<(*86\QI:I]M'/"(>&XQ'=`70%9`5 MZ\)=`56N^"JWFJIA]WFI)05=;5`PDXUX1CPCGM%G*==G0>Z7E69X@5?>V@L$ M`NMQ%+O`JU3/'V_K0B`:+<4M2?5+?35750[<3V0X[&KC;LN;;``6>EIWU.Z" MYY](W^AK>L'[IIL2:&([D0H8S>B--D#[1^P3LFFF(L9:V^P0 MW8,9P'\]E_C4H4^F&S*:_$Y#^'KJ^7,SM.$WUEM\Z]\/WC(DX8R2Z7I#SG:# MT%_.@6S7A_CH?D8#2L!_LV$,`'CB$==CE7M3AUHAS/!"%CZ=V\LY\7RV!HM= M^P)SF"&!1V<"KP9+)XSZFWO3*>4=5U==7PB\YKDTZL#*`'OGS1-!3`*,<&=]$/;6CJFGWTQ;ZEE+F$YKK?"%OUA!V'`P3%) M`.QE3VV+87/A^1QE,-:XWMRW`KCNQ&8PPIV\'OQ-K M9OHF?`S_`,QP-#V9ONTMCX#*V2/JDMQ-E@%CQ1GPC^<#.ATR,4-3`WR31^I2 MWW0<)NW>DSWA@=U1R?`W)X)\RB0)6)21'&@5DX2)UIR&,V\"0?/C"_"8'5TK MR"21FM8,"!O21S8"\-!!]N7,>E@P#TB@%D\7\6>2@SB+@RJ`F8'C'JCC/7,H MCBTNEIB#()T@L-#+&7-R"_^UPBNKUQ=;\("[ETB,03J!$,![3$- M$Y-Q!P3V)6"&V*%!Q.FQO09%&C#%NP2N!>-@+TQF9"R?@@EAE@04N(OLNY.Z M6O>)_[X^I\!Q^BW*9"$S@]-T_$@'1U6<],O$VDP1;^Q,-!!SF'P8Q>;V!AF\ ME@L06L;H"?X$I6KGPQ4+T]:./G,A5B$1G6S&!'X,F:N^!!7.K<`4G([8H5F' M4#Z3%1AMY<),8O>,#>ISYSP."9R7**ZB43/--6C<^09L0(0$$1JXY^SKC<5` M88BU_;K']T?/O[IC0>G=NL=W:UD_8I\U'HBYPE(B=/?I3BSQQ])C?+J`X"&. MU**P,0JVP0=_GD'\L1XJ"@HL![QQ"-\H<\M)?"?D-;F=KH:+0_5X5#8K4_B) M4<)MH=U)E(!A85SOVS_X$"`$#`X;0@QXD?\THRPB8?%.2*V9:_^QA$&?(UL/%*B71@GX3F+"7>%P5S.P%@S!62M2U9@R#J\F3 M-#V&_=M(%26Y`516`!CQB?<04#\R\"PZC#(]<_,%L`-KG3"<`'/XT70L[(JH M%X"!-B?P[XV^BPCWV_4=S`8_!DO`[(O->@(#A$]``H?Q#BA*GB!Q&&CL&_@W MRY/`,G@4&86H\2P,2NH&RX#Y`^![\&0#X)?RF2-G8#=!QH!X\-S)5I#'V"=& M4"+-`IX/HP)';#ACN2A4HM$J#C1T;IGJW'&/.1J&M3`5('^/$Z!.F MY#P7E,;Z6^[O@JP!SY)G2G^/\ZE1(,C8$SDQP8DMXKUDCH^QS<9=9&S#DF]3 MS[$];L\CYN(NZ\HSW.2Q=M+'QW8#=MSC!?69.N4:.N)V8&2>9MP``A9LY=5& M1C'.<<<,(`!^Q=A^7\H\P=-_0^#Q*Y-##Y.61)B#GY!QCN&"6Q&?@# MG&\[?-&(!TLPUX"!_8@"UXW]\'BB,++:D,$!'F9^+S`LG:^4@O?$-ZC0$]SO M!G?'NL&UGN?\G?9XR&JB3R.VC,6V';#M3*3KP?1;OH5&@B688C"VKN>NO(2K M53(3N(LGT>-!X&7SB==8L+]^^?K?+,'/L_V1XP/Q+WU9>2>;GUB6DOE3+.W` M['8<`JV2_RQ*Y_/LIA6X9:=^&'D'4=0&6!"\N.<#$@@`"X"7RD@6 MLQX?@%EZ?AXLJJQQ)\'*!XY85V.?S7F`#>XT]>/OXQ#<\OS-7"`QIOMH`QNC MUMTY:?>1(;9%NO=[5!&U3H3''+,WR`__%OGX/"M'QP-^EP3VL[RU;ZJ__^B^$ M_.7?KJYX%H&_1C[S`)K&U6Q?/-=G&6-N+?[GGB^?QMW.Q:^'B+NBY9]W MB/EG+2(O6#((3ZC*ZHTN^=^\90"?!S^?DBFA MFF9/3VP.+7'@+.HX"W/"E/$O%YT+_N]@85JK?Q2?K=A-'J8`$43TY M@^BB:'5Y/(FA"ZDEKUK'[C/6Z1+\+!C+N>2L"#ZC;4O&*<95D-"BS#46FXF. M-M-.4ZYIQ-*[:E.K;>2J1#^62*ZFT$L^B)HN\/=>:#HGN"?[\>Z#UC?T%FM4 M*NF,&,-UN2`$.'R7YE/ZA9JIN,BYV-U34;DX.YZ>+_&H7U2EEZ%\$Z82CY%F M(I:LW%.-%FPU^R!C%F+,2FQ.(QESJ(W[*0WFU60-Z0!")2H?=V=M)MATY_%\(PE@T2?!`5-SKU MUT]@L80DQ1*X*].&/)J8]`CR"G)A_=G0AY,XRN%,M]U:F)W;UK:$8?Z@)D$J:-(TK,EVA=:(9 M0_;V"`=:-&BL(4A25=W<\!Y^B)DC';>Y M!X78$=OU)B-JQ-S:7!MJ2L6-XFQS$CGGF#2U3=;'=2!B\L!Q+\HHP_%N\CL9>P7#[3> MH(.H+0NUQ;*HB%J)M'8K_9>F$$)1>4E3'9@U.'I?^=3SK_B=LHD+H9&G<@AW MM]/1!EWT"1!ILI@171OVAVBAMU%KC$?::-B5?<\#8]ZT*^%19Y2C,XS>"%&+ MJ&T):G'?M.41T!<:\JOE,=K))9G]85\;#W#3+Q?2!IV^UAWHB#0YDF:8VU2" M3)C;%*QD,+;QH]$9:=W3J]"2ZN=NE?I[O>\]T0J9+=X(6\>Q< M2*^G#80?,6TC'G5M/$1'Y&P\ZH8V&J57:X MV_I=\(7Y@EO@M)6G1YKO5*B0^7K36M(O62MZSM.)+U71^J5JQ/B.5WG)4LE)1 MY0:UDM&@TG5I):-"F;O1JL&#`A>A580(-6X]JZB<+=,59[(Y0@B/-/!D\AJE MPD_V'8&&";U*-Z!)4IFCZUK/D/.T-V*HS1@2[WEB_5N3F;!N`DA>9U>JW6W" M?61J[9JPUKMRWIFA'A['B$?IGN1LO=MTFK3;P:A&HTA_.JW!X_-1AGU%U+$P-N[)>6F<'!B2 MT;-N?L37%*PW21+2=46;(SZU[BR3@Z,./1D=K=O!+4!$FII(0S.+9E96K!>G M2;M#;25N$%.+>0VMT^TC'A&/#<8CN@+H"LB*=>&N@"I7?)5;3=6P^[S4DH*N M-BB8R48\(YX1S^BSE.NS(/?+2C.\P"MO[04"@?4XBEW@5:KGC[=U(1"-EN*6 MI/JEOIJK*@?N)S(<=K5QM^5--@`+/:T[:G?!\T^D;_0UO>!]TTT)-+&=2`6, M9O3&FF'HY>6>E;9,"ER4)6^"H:=KPS'61^7,/XXT0T>DY7O2!UJ_X!T333&6 M,F;XD%7WGPQ=&YR\4E;YFZRJW>Q5^=HJ>;DT_].P8*<`I`'2H%P:5(\5]!QP M/U=5JA2G6:9[I5;/?WFU#*X>37/QFEUEP6^R>/ORUG38V:V[&:7A7WUON;#= MQWO`TUN&Q5__]5\(^NV=YR\\ MWPQMS_WFT[F]G'_XL:!N0(D%Y(8YOM/I+Q>6T='[G6%'#SW^-.YV+LC2M:-? M?^MTC`LRH98]-YW@EXNK[L6O.F"ETTFL)N?T5:VJU]'C5?4RK*K;ZRNQJOYZ M55EHU>V-E%A5;\V!66@EC@.C#\G?O#DEK)4.X:A&5S^Q@@XL8#C0#ZU@;_!R(4WC(`YIYR`''8?TWE\&X3Y(-+AQ)^^\^=P. M`B!(\-&>+"W;]%_@S_R3&RNTG_AV]ID\WS>Z.Q#GF+O,9>1D\OXNBTBRC)S6 MHC>6@_>_5=PIR#W$_O!XU8MG\M(N0J#C$??R^+@>')^8]3F[=)QAB#J[7 MN,-`^&8&X?LE!5CO0MMQ5A`<5A%_/S#P-\\/I^!_>G?TD0U[\\,._LY`_<`A MY7W)(C`/?;T/UMN7=XX9!%^G!][F8S/<1*B)ADWCN\Z.C3@;-YFI^)5W/&>L M07U>JO-);JIQ>#?@)DB7AN/QN"X(%E"COA;$;K:2M(5+C:S9*)JE_D2]4GJ$J"65_^M(-S]46)YJ0B%*6L? M#$9U<=5W&M@LD<34PF>@VZ/Y2"6Q`/*X3`DDK7"435MTNG71]8[3C/UIX;'B M9@L(&2P?)N!),R];=GO.P8?1M M:^F$2Y;:::6*2F)`8MFH/Z3+)RG%0[IAK]ZPV4R*A.3:GD.2O=[5&(N$4MT]`H4+A1#FDK?Z\LO2EBST>PD3MK MFZ/105\6.I:Q]R.8;L6W>SI%POYR\'PXB=I>XUYZ2K5, M<1&]$R'8Q%2X^:"TX:ZPD*XOC2*JB8.EW3YKD%FMJ(IB6"3S5PZ:RV/5-`>N MJTL39,KA6LB3ZE/4M:BX?$4A@A;.\K&CE;)(J0RI(!7*?=N08Y5'M(KF6`?# M`IM?"OD`638`!_TB)P3+BYADV?23)\F@\J:?%`E6>115WH*?"@+N&\?QGN'O ME$P]B/5\.K%#D+T@H$%$Y2?JOV2@RWJ;.[(.#>^=CILY,KXK$`^R-MG*9+*L)XWDU:`'[>:352343-2]^^;@^"= MIB35(%A//299$8+7L:_'DVJ1,62!5/3OK?1'%E93HK M(8[PH+8RW5Y%<-M\NUI<+2EO5^722L5-<`.U4C+9HX9$)"!65"!^QI(G*KB\J+><4/B\NK2'\5,0$/07-%N6_'MXN+;F:DGPE3ULW/>Z9): M5U:U3>.M)Y(63(V4\F8%8,.2\!=Q`5,+_ILC_>>D.G#SZYMQXOE%&MK8=QN)UA(KO,,HC"N=G3P2( M@EYV<>=G;V)/;8M?GPAT^.8%X57R;X>J]*]N5W>4;[V9@QA;L[(YDW]8S;B9 MT$B5$(91,+><^9<^S)4^K/CU#IW,Z/9].P MN%M5PS&P#!S&<)V;N])/3\O`82?82$IA+T:*?FJAMPRTJ%_Y[@INBYV2D*7T?1_Q9*AEXZ=,>:BRG*U,J1!5S]8K7`1=`I7$U0)DUNK5 M%`-T"Y<"-4D)U53LW),'^=6P>"W-.UJH2.KHX%%X%TTXE@575)QB9]7.!Y?" MT>7NX(M'?SU;^,)17]GQ+/&:IL[S64V.::4H9>R-Y,DWU!K8UE+1V"UJ=06F^NR9/!X/T6Y);X:"H=3*ER493BI-: M;4RLJ]?@HXG9717[0#;*$JC5\[J)(J!BQ_3)?BY+^3#D^DLN3?.2'8[7YBVST\T"!>5 MY+3K66$)FSG/O)FO"@E)7X00Y)>'S935C_1^:JE;13@0YS47P%6^BP3+=98K MPW>I.KD"(@C?^^V.4RLA5%8(62Z-'8V,5/>M(AP(BR%*9\5SZV_TU$VN"G5P MWO*;2K1MX:J;-J&UPM)M*=!:IX*HMD`O_7:'-CAI,F4TJW?2Q.YL58!^D54@ M_5%J+Y#6NLUU[\$;1C?U$IX6BDO1:$:`N`QT718G7H:T4CY*2)96>K?T_92. M(W_SYI1\^&-IAR]Y,/E]KX-%/-?9T5!Y;4+84J.59A2$X3"UG\Q1/.2AP;F] MG+(30X%63:GE*4,CO40E.UFX[2)F4MGG5BMEX?\,N\J$KFG,*X\F*TY2)I'HDT;AEDN5S8ISA-K=]"ZUV0DB'+-IEKHW&O<%&B+AT7Y9C"0FR!^. MA^GW3PL1Q])#?'FBRIPA?E^L2JPVEBS@;A:,)?7.0""6:I3S.FK$1L.>2"TI MB4,DC\@7=XC&7:,CD*_+]>`K+'L8=0<"#9-PKDO3Z,/UD9SZR'G-F*XJ2 M91*V(GZN#DL0&!/6FK&0AQ:Y,Q;=_KB76C">3H9[+S0=T6 MK)I^!S>5'RF6J=RB.^JD!K49\2@:(6D16:=X@]SC'%#EF17IRCOTGD"4EGTP MMN;"_N(]WNK'5+75=>EY$\7$M.[#"[IA%&[CN(/2T@_OUEM-.]9%&3>1W2KK MW.\9%^X74B5"J@R?18E290>0IAN73^3.#5![HA!5 MI_N7AZT$N7\#A7537J5^GFY*[_HB/8?E0Y@8#LMP$%M>#LNOZ<^R?N*2;'(D M>(MZ7:(2O.->X;YZY06WW0S![;`S5B4NR4=C(3%;>IV.)+C)9]&%X&8HK&;]'8[GQD28[$\TF:4G\H4!2UJUEBLJ%F.JSIFF9HCI;F);I=R0,'OI9 MA&J<7G8L;=8PGQ"=O3.F+J+RR<>YZ=6N2(M;>1*GRBH]0U02I_P-Q:I+S?O" M0C$9C'U]I>9#8:7FLAC[NF\4T/6!*)3683(KK`0="=N1K#.=4GV=54_8]E') M6]O5=4R1L?`LPWF9P2B]]W@JY.MO$OTA5[?!_.?2=%C3`M;Q$`RNYX,4W/,7 M[@%6\A;,\.]9B!X-%X^V&8P/Q4;B`Z7=Q77QZW\XX1O@=Q*$+P[]Y6(*[U]- MS;GMO+PF?[ZWYX#&+_29?/?FIOMGC?"_:"2@OCU]0_C;@?U/^IKHG47XYN(_ M'L,WAT9,O$.VIMB9X0V9V,'",>&7!P;_&\*@O[)=IM->D_4<]S-VPPXC`T-R MR)T4XM.%3P-^OC%"-?VQ\((E_(T\O!`;$.&[O#>G&03VHPN.UZ-O3N!7,R#> ME-S11<@YFW0[&F$8XNKK/6`\^JO._]HCE[9+PIFW#.#GX.?7;+VO8,$'UIYM M,>RC!Y^\6CT?&8Q_#-1^=%\3ATX3'_/U$XLZSL*<3``COUP`F[-_!PO36OT[ M$SU"3@\7Z.%']'BV)^'L-1EU_I28SU\_30B'Z)<+!M$%>8K_]>"%H3=?S_G` M3E_Z5]%?&39,8$UC\8,$H%8FZTGTX9\*L-`>R/S79VH_S@#+#YXSB1&?Q!V9 MF_ZC[5ZQ?T2DV..\^`T_&H>_]MWP(ITNG3.2, M%<4-<\Y0\1Q`S`>7.0ODK>DP9_8$BEXE+'Y>VZ^V;=]KP+'G[FUS4A:,Y%SR M&G;;=6R7'F`[<[YX\^\0MKPA"-`60#W9`-(E`V@L&3P96&A+%Y&'1\MS//^7 MBW^W+$JGTXM6::<-EK(^;9*KA2QBVFI;=GF":51*>MH9D M5VBB:O$/QD-M>%*='?%_GV=V2"_R42CR1]OF`B=K")#)"R*Q$@MA:%T#767Y M2-2%$,9`[UDZNM3UU#=&Z'\WGAM$>X3*^^NR/Z$++S/%N@--[Y_R;K(GNM'5 M/_*4K/9'89!8&/2.IAM=))'$),JNUS`R:``9%7=5,'Z0[@GC!\5(C/&#S!1C M+E-_C!L%6:D8W6-I;8Y$\G(^9'&)6;PWT'I=X5O[2**RR3;"TAK5:';.4U_3 M>\(IC@Y\V?Z#<)JA0XX.>8LIUC]"?UC5\LCFTO,YKJN#4_N6R&) M9'P:](37:*!3KNR3K@O?;$.'7;HGS+@K1F)T\&6F&#MII`\QXYZY9\=^"[A" M_)USF5G$84W3`\>=6P)%IK/QI4.1Z4!\V5!D.@4O`5NT$M_K05E():5UAD&37,W3:*CU^L4.DB()F_14S',^@P:46[/`G';*4-%-G7:`P7N.#9EQS%K.)TG;5)& MN%UJ;+UW,505Q0TB$E'E\USCH:Q0E8G83Y`9R@I58:EL*?WICE*58=Y[4B2P M;>V!`AVOMCE>2NN2_(&I[+>:-"H+H`_&6GWVHHQ@7) MBJ$-"@:&I6\7(.%*3$:7O5702N))>CRJ4;30QQVP-4JW,9#,.97_OI$V5I+I MXS*N#4-ZY'OJ:MVQC)XV MZ"KR""R$!0=?9FI M@P:V4A^HW5ETE2[C:"-']SK:H.TE'O4_];2>^#ZMZ';+\F2`B1"^`X5.<[/< M,G2:9:8.FK3BQHVU=%WK#+!P^QC1\#8*F:'`(\IM.Z)3BB39:UN%8&Q8,+)!>RCXI>J4$$ER6)T7OCT`&4H7@F,I0F7IHX,MS MR-J=ZE#YUH=&-5/H&CUMW#60%'610A]JO5'U^%?+DY>JQTL.R@Z5O:D!*5NU M1U;E-0ZMI*ZJ=S8TBEC=04?33W;<2#C&KT(34+S^5^+]S-B\Y]C\`MC\?L2M MW0TB]F?B#NN,PL".XSW;[B/A<)&%3P-`9D!"^-&G%N.4";'=)QJ$<_@!'N$G M+XCZ#1/+,8,`@'DP`WC-<\G"?.&OF59H/]GA"S$#XDW)'5V$<=OV#F_;WN=[ M@GO-W,EE-/XR@)^#G_?:&2=P5*9\RF>%(L*CCQ!LEOUQT+OB_@X5IK?Y= MC.=C"1IV$A*4")@F)!96!M%%T34K(#E=X_8\$2J2\43=^H M/_7\.;`CHN<`>KYX[M6B&A15EOI9,))SR6O8 M;=>Q79JS:*35`*47M&3/43:?U_.[NI\]/WPT'ZFD1R)2$*A\I*'K0ZT[D/2$ M<-.1GR"#UBF87BX]>]D>(A21GI'6'1>HU3W_\%M;[,/?O#DE'_Y80N2/2DKB MK=P^V\H5W@(8252V!AL*/^BHO-EIRA.(Y&A4ZD&2G+7?:MHLUJ]T.:>^FF5% M*$='GT9:K^`Q;Z2J6D]]@:4C5=:`(YG+$OQA@9Y^;0W:5"Y#;'KV0A_UM=ZX MV)6"2)T*XRS-*-@CKO[ZQ?90J8C\#;1AN0UBQ9T%[F?97)/@1')[H"B\NYC5 M%\GCPI;AJY3JF.P5>ZD9S)6K3$LN[5$<.Q54]BA^OB!788_8(UH*J*"\Q3TM ML6MR0%&Z=56:=?,[NY+7ZC0J*-$-71L/B@7VB.E2LH9CX5>@JF#_):7&89DQ MM%'_E,RTVUG)CU'IJV_:N!TR,#1C7.S(+-*CHB=CA->A-^()A*T_RG@2LX+V MB0I8&;7K95`^8F]7Z_4PGZHT"0\]%;S/N>$YSOKI4I%(CVMJMJ6`V5*YRJ51 M&0!];&C#CJHE+8TB18(HFE'PQIWZZU<:2I(BDM75QMV,)P*.MY59/?_EU3*X M>C3-Q>N/MFNZK)G)=VI1^XE]^,ZG$SO\SR7@/7RY=2>V98:>']RSW^X!D6\9 MFG_]UW\AY"__=G6U'H!L1M#(9V]B3]F'-H04&KE;/@3TCR5K!O.>3LVE$VKL M]:BAS.VZH[>W9;7ZZBB`ZL:XMF#80Q0"M MP-E`HQ,+F!,6_)U.?[FP6)5"1^_HH<>?QMW.WP],\LWSPREX5MX=?62#W/RP M@[\SL*.E?&)`1R`?^GH?B+-):3WN+I:/$J98@3!$_CE1J,)3)$=H:X83TWX>^L M_:9/HMB+?/)8)TV-L.CKR9Y`*.:\D`\0IB]A$1/^YNU\8=I^K"VB;9L\-%]/ M^]'SHTFC.9,SKB>$=S;3'5('>6B^@G;W1P&T.6-1Y5/I-Q=^]RS^DQ*$2@!\ MX).@Z?0Z<%LEV;M!KBY*]G2CJV>F)%_*C3OYMEK(W68="<7;7%HF;*07SD!3 M1L1CQ(W^??/HVQ;H[Z4/KWQ2A[*;A7UEZ^"0`Z'Y/Y)KRDYE/2VRD)K0WVE@ MLRSOKC>D$$D32SCH'J70S^@C`>NUFV<2L#M6FH!2F\U\A$2SN3&;C*!;1E(: MX2QJ,(&PR045$=6AH;2HUATWYJ5<.^-&)80P;PI`H!!V>TH+80UT2HL`Q@.E M,:I0L%=4;(0%>T;J1I+4I)8@IY;/B+4\IU8#:5*0.1XI+0#,*0K]I<5V(^3Q M!O([=JLU%'$`D'RU[^>H2+X#VZP:^68&(7F_I%=;/D*6??=!AX0>&8W)>_,E M6(^3AX3[>X=L%#;(N0G%\C99DV@Z/G#PC?JV-XF7PS\\]-:@<^^-Q@Q_\9L" M^.4:$RXPQ>^?`'B/Z]%V/W?F:Z MXTY>SNGIW53K7P[_<)>=F$D=L\,*7:Y.^A*JDU/AQAD$[8+P]Y40_C32Y#8= M:!H:Q!WIHBVOIU"2:*MCUT_9[4K(4J'U,T9LI[@.+"?W>%>-R;*+1^O\IP2Z M5MBJ223U;FJZL!R.2>,)X9O.9?%)QBWE5BC;K>3'3L*C=4*>1(:HW$D][F^I M9Q?4)&T)\6\QA[C;2:U8J(MI:M<%\D1.1W1!*\*G-$9)#Z_J4R)294:Z-3GW M$8$21F!'FFL/L8Z3;@.T&,()R5$.4XLQRO/.MHO#Y*3O5Y&(+IV?*0OMZ/_6L4#DK/;S!@GNN96V^ MB+"$LF7SB]2^E\4(4KLP1FIY=?7$JX14%>*X/TP_]%5/8OUDWXGC*9MF*E7Q M>1F5DO6%L[KREK*T).L[KBD,/4.Y'`QVFJE5!$8LQ=2)49,;7V4=S+E6OAAF M!Z.:4%LP%CJ_E11J:H%NH=[KUI1+..7;89Q=JDNH:K"-V_Z9U4I:!K$_K&GO M[@P:2F',):)Q#;5YM6[XGMJ1EW/CL*3=>E7U]^FBW!.2+R=U52O(%<$V@V%J M[Z_JPXT:]YI+:9+80M4@10*OU`R9WAO6E(#/5N]VO)RJYFHWT253Q$EK&>J5"DD+)8E)14UG! M&05SN"=5I46O:>3CM'S31>$GDX>DU"F19NM"QC7RRBD?5TNA2QI.S$,_K2;$)( ML36I0G)&UVO:A4@[A(==7["4-$?UL23GC.3).;6Y6=`9!XP.GR%O)HM(T*1= MKZND^8SX#EFDXI2UG/%2M>)>W-DJJ%M^Z/-5LLN[BIQWM MKJF,!@^1[KGA!4][Z<.Z-N!4W61+O;Y24D>B:;LY+>E[4J:EJ/`&Y-K.!^(. M6C;_.?6JUO2[6NL)H5&O*9@ZD[5.2YZ4B&1U6GI=FV[(#8>X(4/C9RDWN.7= M,)7I/&&G)E.;7A/9FKH2(>W7^[4USU>BD8H\7K%$C50`)3*UM<;.&V5M4ZE: M'E'KEJ7,O*`6K=(4?57]E>6A:)O[*Q=4\]5ET.0)Q:1MOS2H*6J0H$F[]$I$ M0I%7,:!+W630:]J0SIF$KOUV"6Q!)JVLB$I;I6[H=&OJRY\[T&RF'Y$[@#`Z M-:7@JZW4$-=&54)%(L5NM#PR4'@W6A_)5WE6>H,F>;S%8`(SATZODGPZQS]4MT,F'?VQ]G(<'MB:%*9/_WE^( ML<\9("YZZ/$GIJD9Q4%3\K!RZ<-4R0$Y*58@)W\08`-S+J0$6MQ3?UX;'?IK M.O0STH&!FYL&Z4=CZZ?#&077M9)P5Y1D4+LVB M=80,#'8\0XT:[!![I1C\\T^4H!9KB[^2PDHEAO^HR`2QV#`U5JV?S:3RJ=KL MM-0>*^:/4901C'>>XU`KM)^H\T(^/)G.$I3,A$P]G]S.%Z;MEKIJQ""=N&G;@I@OXXFD2?8L\CY.SV<5<;LG&2A>SF[)/DZ->G$J M18%0`7+((("E%P1)QRV2;).W4&%GW?V33FE+4[_31B53G&MR;!C7H&C*UQ<- MELA*[78YM=C2X;1R?BWOK$&MNN!N^1#0/Y8L6GY/IR9$N(?Q?4:GK)RTV$`4 M`[2W1/T`TP^E6ZP>U8ER!;G^3K>P.41%K1=QTJ73/C>-XS_!WRC
L*A^+JJH%-)6]("B5GC5G5W MF'XSD\SD_56>C>]VDIN M2HNJT:_5OJDR4>&8[4R(U1*!Z#:PWN&TA9#V+&@VNAWYG&A M4?K12YGIIT+VH\;#$]WA0&G_0T;QK/28[FB8>AY=9OK5G[W*ITR%9*]&2B<< M:\[[5WHZ66TZJ9)EK/M09Y9+S`50^CM=\$\"H-4-_#<,KCY1^([<;O#^Q7-] M:BU]5F)YG!H>O.-X,$XTS#$+!`#\%T!$W[ZL'_]F4]_TK=D+GSGJU[WZ[=9= M+,.`_Z"O]M\W0WRF9K#T*5O11Y]O/EHOV]\GW@B2Z\C=P7%G>1D0>"L?"KN5 MHU#O&3N^7'Y$BD9C+-HMXD3I&-%0!8,E<5S94C<<&X6EKB0644#1B!>4LU5- M#1K['-XI2^&85_?5O3,=^G6Z.D49^<:Y M2L\/!'W;+N;)NQTY8#Y1?7C@#B@I@#Y9_'<@R5H09G+)WON9 M0936.=TQT[-!FD>(7NK>GLSOVYG5X^4PF[W5/XWYKKDK7D8^'>CL9&GG6 MD8^M]!T[+<\Z\NDAHV>4MX[?P-B8COU/L*R1%H@_^>J2FR?3=ECT3\"L1`-L MODY6W%NL`'US,--;AFRF&\M:SI<.3\ZLKPI=^'1&WQ?@3>_++Q2U,=Z67S?$-X93=(QHMY)1>R3J^(9RR>]BOA9S2 M+]FK$47G\SE.I#UO(Z<,"OLIGC=YMAUGCP+QWPL53ND=H[]=>+,:KOB\F5S. M]'F_[U^80O[;#F>;3:]S+V"--E\.;M&RB;Y33O[U=/M'"B6^&SGG';N#;8X\ M&S."J)CSY'*3"9KU=&K:];B5DK9T^F1JSKZ34ZL4`^=5/M?-T&*JG>O"?>00 MFJ/),5M$3CHUQ[0[Z M;[A?IKYK)PMA94ST*$W8.NL,BI&R,=E3:4Z"RZ@M,7N:Q5],:ZLBUA./NU4D MFFZ49Q9V.V,TITF*GOG>AUTZG**@.275602Z>7GJ04K$%DS$8:PQ(X6/3I",%T M./,8!$A,"3@K;1M$,/*JW._(:1$KJW%32"](Y^&5&-8KY'B7%+_+XD)*E^%7 MA$'ET1LR,&C%3D2EMS!D+L,0P[FBSA\KI&*+>L1Z&=Z=:!V1MH9QYC[L8OCK MS,HTA12C#.G,^F(%>2_:$Y4-%M6I1"%-6?BHZK#R7'UEU)%'X12F3C=S(ZVC MU$G9Z;MYHCYS)%:K2O2?K^:8>`S`/E:5J&8N+G<#/;-]/XHB$40NS1#E(:S\ M+;A*I<$Y@7SY:#XKMF=!DA08EDJ5R5D46U"5]8=&YCVT4HDLV*Q M5'R75Y18/M-+E-@;9,Y]--2,UM0=W.B-Y'!@2NSNH78LD'OK4,].R*R\ MPC.UZ9HS93660UPK4*=I]1/C<>8N3(W/Q8MLNS*$^)*Z4?*1^$&^)'5 M)#0D;IM5E\T7=9A!;6^]L%,WD-ZI$]^30VT_KP'*4HK=,AD-H8JY22G*9HJ) M:6/*9B2@@0H74C=TQ[BF&T#U\4BZLA;15_B,IV8OF12LGT5WOA"NL\\Z<=, M%$RM:GL/BA6)"BXV4,AY*U[HE.-VCJ8(B;S5$$K['-)=DU*29US>9KI2YKCX M:6L]3\-?T5FM"B_`4(J8U5R!H5".4KI*AV8J-'E\J#.*@>H*@F53:#(14SV% M5FN<+P_I2FLR5AFUQ-TDHI`+47R//\<]+])F$+/5H7?]>/?;.J;OC5[X2!LH_C672S#@/_074D[DJA<7:P2B4;# MNC;$3I)(5AG2*R=0':19R(E+AP3N97$1O_B[=ZG)3Q%44U12];%Y,1W>4V/ M"F-?GDQ#W@11YK*=DHAYSD9%1<)2P?9%>R1%V51J[5)2V5Y&`VA;S0Y'2<0N MK?RG(O-695%0222HY$*!!G@;9US;U\E<7%<2C4OL*-4`RI9T/*DU*E/>.LHZ M5*;HLZ\-$#"E791*"J0:X8<6M8]=/7,"JS2!+OT800,H7+BR(_NE94W*O$AW MN+U%SJ4\0E/F<>J2"%J5;*1M;.2X4J.%=D$>]ZZP72EU ME4J6T]N#42]SF6GY`860Y@J5;0V=UPZW?FF7!O$5=Q'I#4I#_+H$8[HNP?#7 MHP7DF=$`;(<'T,.(Q%P-2QW`QK?.I[U>VH'R%__PPG?3.PG M$H0O#OWE8@KO7TW-N>V\O"9_OK?G`-X7^DR^>W/3_;-&^%\T$E#?GKXA_.W` M_B=]3?3.(GQS\1^/X9M#(R;>(5M3[,SPADSL8.&8\,L#@_\-8=!?V2XSG*_) M>H[[&85Q&)H8+D.V9F*[EK.,@`X@I]? M,S2]`CP=0%DV'+"/'GSR:O5\9##^L>G8C^YKXM!IXN,(;19UG(4YF=(CQ MGPK(UQZ`_-=G:C_.@)<>/&<2LU?,(1;P&/7?D+GI/]KN%2-/Q')[@AF_X4_<;/81@G=>&NX^K:M M_MX+34=NU8QZL58.^;:*$]HH'G%JH*U+;^.ZV^VK\WS.B:6?HXP?&%[]J^BO M##C3^IT8BQ\D\!Q[Y, M$M*A%$E#BN(2@WD:`7F:37-%='7D%0@T'!(3!TF'I$/2R?6$I%."=`7Q4>M(3!PD'9(.22?7$Y)."=)A%BX',:.^T-:F7RP_0XMNFSA& M-S2CB^=3*M,8]%3=:0P@/.Q`K`&SM>-4[5FF!DZX'#L7T2! M+@>O7<*R15EL%Y)"&E)@J*XLZ5"*I"%%C5F3M`YM37-R,MU<7$@N\F"R$1Y1 M_9(ASKX4)QXJ/20MDA9)BZ1%TC:9M"666,47I*V)W5O\:)[C6?PZE(.B`#@B M$V_YX-!&>Y8'NZ7I'6W4+]8#Y0Q<*J]7!'6>&VBCGH[(KP?YNM;M%-NX0^2? MC?R1IO>+G?=#Y`OT1/3QH,R,6$[,'J=C9G`!Z@2BPELR$0@10)SIT=>= M52[5DW]/K?@V)IW?QE2LLB/GB@1DE\OG.`%!.P*)0`HQXTJKF+Q7YZ`3@4#( M!X3D]76E2G#^L$;N.V\4BQ8-0\X>R8JA,240E[2FIQ[6:I7& MYF.LQY+EZ=2YM':G6Y2ZP:2-K(MAB!I/2"1[JK"AM5%%0^M2 M/:OF7IO21B%0LR5_&RF%=$0Z(AU5>4(ZJD='+%XZ1CF%;RRIBJ4/7T^B:T;! MEBBUWQ-0*^+R/XTTHZOH=1B*8?KT4W]4K`4%4B$OOX\*-C9%3(M\&I_::4YX M#:]"$Y"[_E?B_00B=Q>=ZD<='VH?H]DQF(>Z]YRZ7X"ZWR/JKM=@NX[MTAP@ MBYCH?D;A,\?QGFWWD7"<+T_;I MA$QM%_[&OO2I1>VGZ/.'%V(Y9A#PI!<;`L9C#1;A'>_1!7@GQ',W@_`$&`#A M\W?#F4^C=)D+0)(Y+&E&%M2WO4E`**!^0N[H(HROD>CP:R3Z_'UVG\2E[<(( MWC*`/P0_[[=^/XN-X*,'G[Q*&6S/L=PXNPP]Q**.$VC M%I"6^B7IT8\Q*W]A#/R9,7#,N5GC)27(UCT*3UI4OIIO6,7]7"50>E__G/8K MI$-9U?@Y50"E#.-7"%"F2RID@^>T#J_D+KX2>/F6C4B#\+2$RT8+V>"I@C?J M9P1E5%DS1?4F"E0*Q?B*+SV;EFKJVEEP6?_*V\+=K6'ENOD6S4FM>N4[M5A0 M=BIH;^S:9=&I]5`]RE'6O_K6,'A+N%D&UE7=J&1,E*FJ?F[=)_!]YO!'<5N5 MS<'.FF!JG]YG39 MDLP(#\+3&'BRUT\W7S'E+S++>"%\C"P.01KN*O$*%:CN2ZT:1J36]932PP<) M4]=32GU0]81I%!6,3LIU\XA?X4]#Q+@$>F7S)*(C`SJ2^T]_8W7K'_Y8VN&+ M;!Q?HW&M]FDLG;)I#>KS/Z4<9D-:2?F4:\KB>]VUJ?5:8GZ;15&XD@ MW+/%)&FFIW?K-O&R28&B-KNO#0W,P=6O,@X]I?6:1\)(^82.J?"GH3;0I1,& M]=%Z^FF`&)?^"7.HY5#V)G&I@&Q2@$:8/^FXIU\_$3(3"VE5.PW0DT42(8F0 M'"TBAR"7&9.SF9[8]>>AO[1"VW-EDP.T]W+J)Z0+4@VIAKX`D@A)A.20_PD3 MSIE.[8(GO)Q37S9^1KLMIYY!NB#5D&IHT\MZTK%H5*HG%`KIGS!-G(VV7\,9 M]8FUKLO-0WFHDZ6_0<)69Y^3((2)CCQ$):U4X#L78#3;L4 M3T@BJ9Z0'-(_59=&C>\G7K?]-A8_#ES?H)2/?,?[6K-[HA>>8X>V!4YRL'R` M!=B![;G"'&:9+AEHB]B(T%U(-]F>D*I(50FHBB1$$BI-0B274N02Y/FW,`U^ M[X5".DP<9/8>,/O$6SXX!V[Q4-5KR-S,>J3U1R*V?1&S(I]T0\1&`M*DCB<1 M#5>JI9QB9!IKXYYZXJ$8DA.ZJ"NB2SLB6VZGLF`Z.2==SKLXN$*`U+M6#N%! M>$JXEK!0L%FI5@!`@X4)0`S2@M]^3X6[;#>+_>CY))Q1%NUO#RG7SK;*^%"-357(IS/L$WM$<_EB(@1N.G3/5=<.Q\\X,9N2M M&=@I9W%DP`Z*D51VHAVHR"0@6!.\X1S3(2!&[/`?/^+W&A/G"`_"(U/U2"M[ M/>:OU_OL^>&C^4BQK8_PTDIC@!=@2EJO*EVW021,GD+B1K<.J>:4SUA$93WB M-\^3=`W:&H_QXAH&8]WB+N7?O#DE'_Y8VN&+;!Q?HYFM]FD@7>/?UJ"^@#%& M6M5.`W10I2>1WNT@RNM_DDY;M9$(PCU;3)=F>GJWOD9'-BE0U&;WM1[ZJA*H MC(.:'M.D]1,!'5,)2#30AD-T/BM^,J2S"TW'>"6>)N90,SS=)*[=D4T*6F.$ M^]+MD;4&]06<5:15[31`7Q5)A"1"0` M[;V<^@GI@E1#JJ$O@"1"$B$YY'_"E'*F$[O@"2_GU)>-G]%NRZEGD"Y(-:0: MVO2RGG0LCY#J"85"^B=,$V>C[==P1GUBK2MOA=VJCJ:Z\\;0]`Z6.=2O#`[: MU)0;.)`P$CU)5W^B/F%T0;#J!J5\ MY#O>P]IT)V3A.79H6^`D!\L'6(`=V)XKS&&6Z8*!MHB-"-V%=)/M":F*5)6` MJDA")*'2)$1R*44N09Y_"]/@]UXHI(?$06;O`;-/O.6#<^#&#E6]ALSMJH?: M>"QBMPPQ6_93=X!D4H!,AYY$[#142SG%R#36.GT1Q;N(Y,)//61R)711;M?S M56@"ZM?_2KX?/__EU3*X>C3-Q>O;^<*T?3KY:+NF:]GNXW=J4?N)#1# M`ZK>,D3^^J__0LA?_NWJZC<7/IF0;[X-'RQ,A[PU'?B67JU.AY'_^4SG#]3_ MWZNKZ*,,DT6#KL>,AR06L`,`\)U.?[FPC([>[XR[G;\?^/Z;YX=3B'^\._K( M[AF]^6$'?U\!M/MC!-X%6;IV-/1OG8YQ02;4LN>F$_QR<=6]^+63"4F'XI\8>)GPI^O=LM%7 M@JI?$0=%B+J.?N#675^!6BO M!*EI@<)`(H24IO6KT#15&H$*:"&Q)2BF--`29*!Z)3N,>:C=6TMC3R)J%]QP M',BD;"O(-J@NUD63#YES;W7K<5$5./DD>M@96J/^U1,CAOF/IU3)%B% MMUI!S6"U[HJ0%&P5C'YF1E;/G+54.(+5J8L'B/D?#8D$Y4MA;ZM*I'9Z)!7ZH=Q\)>].4"'`^T1OO7GI1.;SY MU/W@H*:H%K]Y?`QCT.^+`AB<0Q8-VU/;XO)#O&5(O"ESJY?SI0.![X1$<21X MJ0N?SF!\^XFNU-':H_[-]2%4MO\)K__5M$&CQ3KOJTMNGDS;8>XG^0BSWYGP M<$>M)Q\"41Z12 MV(N>RW1)M%^X&><+#3<(V^@ M=(%F*X1_8PN%%WE@@F0_A^PQ:N,U?7-,-[B9_&,9$3\GT?6+7Z]V&^?7[SIF M9)XV^8B0O"U2"ZDGZ_2*+W&-&'N8B^22J2 M]W9@.5ZP](%@[,)@PF\,/DZ-S?OKZX53\UR_'KHZ>G53])_O^5717^@S^F2JT0VE\2DV;WGN?BB=J%+NRF[ZIEOU[J%T&CMQ`X`UT%`PIGIPG\H,>?> MT@49-QTK5C#+@.6TV6^L'&,9>OX+'\*'7S6R\$$D?("*F`$QB4^#I<-U%+QR M17_0^2)O:.+D*MZTNUHA&E+SF_OJ17_5>=_[6F<_9DQ,=T7 M\FP&,4M2QIL`S](G"],/7>H',WO!I2D$R0"[/J$'V/6:W,-P#_&5$TQ6X)]V M69;,R:<(#K.<@+S/-OA#.;RHLJB(*`162.XW,!S[`F7UM5%%G@W^+%AC.? M1@H0H*)D#CP]"PAU&:T/+74+];O2LGH^X'\<\!9VG1#N:Q)VF\A1GX,&W]C] M+&?NGG1&1W9/HN'%P95SFZ]G9(;+I\#DY!)D@S_]S&3P/5UX`3#)`2CY2ZN7 M;]W5F^>6NHR'QEX&ZO9(P!>/-AC,&;@?X"Y#\A- M&/KVPS+D[@\X!>]M9\E-_`=N[+EA9V]>/7#G`<;F]:(WOF^ZCWS(PYHIFBR: M*YHJ.=.]Q__VEHT9#YD<,1_]]22NHNS]:`=/9T'3&"R>K%79Q^)H@%C,ZPKL M8]$8(A;SEIT>D.A>*5B\R:S@MU3KNZ7OLR'="2LLC/Y1Z'++87_734R=IQ+8 M,]6&C7>M;';8UTY1G.([!G/\\YFVLSOZZVA&O*6T/:VXN.)%Q4SJ!^T.L=/AM$]UP>7<63&:I:1D\?T_24#G#6#CMB>=81&R+M1,INRV()2C9VC?%ND?[!:4H$.*??TQF= MM.05`)S3(^J,3_J/E6`XEZ_4V2MRS@OP6\_WO6>P`FD@;UX\DX][_9-LO)FG M=*AS\<;IT*(RJ',RR/`D?U0(=1[%T3<*[#U0/V#E]*V.X>U=Z;7#G\J7Z1X2R"-CF%'XBVY6+ MS'\AK"`^TX)NV`CK`3YZ/ON8PC2:]LT\NV^KRZH-?-H`N467U.%N\9 M&5AH.AH<9=:=0J"@T.6/S MT>BPPMN"Y@O,D9N8'Z+2W;-K?3(S7S1A*4#GU45[Q55U`)U3RGN']WJJ1G0N M-7HDBY`.\X&BIV/`;]XHM`O9[>^=WMT=5S!46?9UNX,CJ#L!U=4#-?T3>P-O MHY_CW,TGVWRPG:@8O]CN;6=T)&]X=*(2093QD:1=_Z>:#H0?<%HX9(WE\JF`H);-QJNB,H:#;,(_VH*B1:7 M1;GIW>YAOS5U=:LS'GPM\*9&;B80/7K^BT;>^M[OU#U>;<9B(['WT>EO/^0'&2TO"#7RZ+/$]'+3=NJ1MYV* MCF<#RP61$IF:MD^>3&?)3[-N3K)N'>D.,Q\TC4Y5F@$LRW&\9Q`P?M+56P;P M>O#SZZI.>.^QW?KC2!-8U'$6YH3)'ZLCY_\.%J:U^G9&"U5'?V4BMW?`-\_*]=:M7!#;;3!WE.]> M)211$9G%%6 MZ_+FNJ5B1E6-](E'?8B:`ZCY+Q;_EJ2MU=;&Z][45U//OPI8;^I-8F`OFE^,@`PY8$D8='RW,\_Y>+?[$@)62+Z2L'-@JG5VXBE+P==/AU!WZ$D?=+6.;@C&7S5.D10(K/9)UW2] M*YI8E3@CK2'6I=']&2E4#H7T04_3.Z>TU1'S^3RS0WJ1CP:1.6N>!?WZ`)/% M-P-ZTT27XH7'"OXLUJ5X^0!KY,1:28IW%?ZPY[:(!+1G-Y3X8V[@U0 MXTM,OTN]WT>;7"^%QB--'YS*4&'SZ:CZR/L/4[G21+ M26VWBCVC#%[`&MC2=DNR&,E:H:APY^@L*-"%+J@;']G%.&Y4S;U@-PWY((SP M+]Q;JL#,&%UMT"U6NX3NM?Q/W8YPVJ*G5K9[W=/1O:Z7:*`51^-Q>>YU6J5: M&UR!^)3CEM=-INOCZW;B^'HIU8#H))P7@6I=_92$E$$8]"MD>>KU1E73'DU8 MV7Z'WBGF=R!1ZWS2M6&_0"8P>U[B('E[0-Z)MWQP:/.\E7N/74IFGJHI%RYKXU&Q3:$S$*R^:R%5'6;"4]#&(L_&9:2F\G:E-FI>&H.1 M0#<`Z97KJ=OI:(-NI[S,@[`=D2J[>.!&&6Z4290]*]7YW.M55,5.M(!<6?E, M)R)O)#64%0IPJ5!*7GO2\)/(4LBJ'+(HAZPUNZH$SR#GHGS-!X[['6W4.Y4M MK+'<0SILR?0TZ!;;<"D]YFX\U2X'G8+[(HC[`]IG5.`84BL\QZ.V+O2I&2Q] MM';59JU[DAX+;A*:Y7RZ:K>VE_WI>+V4*@'842!^L@6AZU-:/RA`G_K M'5TS1CK:;C6>NMJH+]S10FTNUM[*>MQ7?0KIG;[6Z9YJ8(,A\3;&U&G"H2IW MZDPG2]IQ0U6ZXY04137GJ#EI>(R'[TV5WB,YNA4^@W(9&J]G%,9Q'._9=A\)1P`)9MYS0$+XY9TW7YCN2P3>R-"';P+RZ'M! M0):N3X$-_DDGQ.$W4_.:S:EI^XQWEY352":5S^"GTR`.,"Z/Z5_"[>Q72.2MY\6']Q(9I;)].-&(^/OKTT0SA MBX>7Q%S$@K\]>OX+A]2A[B/,S*`$Q&D$O"MK!F^S0M/)DA6=;C(9,_.)PM34 M93D-DUB`=MM=>LL]+)"%%]@LQP%0A.2.+L*X94&'MRSH\YGW&AF02Q@VG,%X M\'/P\S6YX96P^Y]K28P2[]F%:7N#)*3/,R^@22H\FP$L->`(99-0^,7R@I`\ MF($=7)_@MHR,"Q\]^.15BM#LN80;/Y9SG$4=9V%.)L"#OUQT+OB_@X5IK?Y= M3%?%FF_426B^XQ>`@YL-4\(_C:,7%V>\2+U;2<\LX:[U/L.=ME'B$&9TJD!8 M"3?/?UJ+UOTS=4!+?`809BD1B#B\Z96TORL!;UO8(IY/_@IZ%"9!ALL2_F;- M'0BO;SAZ@_Q`@EOL98"AV,HQII_97YA%65/96)?587:".0WEO51*[>2 M+3Y"'%9()E5?^&_KL+B5RS^7[JH:(20[BGMN&[B5@ZFFB6,NVR0[?&=F$%3E MN?]BZC1BU-UJ*=&J-\<`' M3T-+-1REP.Y_HN:NHW4&*37/B&+QE2ZIA2Z(]'/Y>CPZ5=Z2$\7MN4]+.*NG M'>%"3C_KR="U3MIA!D1QU4QO=$]Q?=9*]G:Y?T(['K:!Y?6AIG=1]-E%M#TT M,A)4U_>T8=IE$:URNFHS/WT=Y8%Y1J-12CNS-N#A4N^?[!F&Z:C#>"O0.;(- M[%2_>NMKW7'*^3LDA%0!#U*DHB=#TT6F<]$#PP3O&708:OV!P"2LJFBX[)YL MB([9H$-(J[V+:"D5W0B#4!@J[.#2`I%Z?2&8ZE^VROZ*:6CJDBBH[_51*JJ*LIH%F5;9N[LC9$[Q:%SJ&L= M(\4[0WP*8]Y!IZ8--]7\I="G9K#TT6.JB#.K>!)1M8`41&HUE5H];=03>&9> M+4>QKJ?+\1EI_)#!_@TYC)DX?M3@'6<63;FBZA'T!FX3B(AYBD1XY[4I>JM&0L-U\ MW.^DW`Z/%*G<GOK@^1\NAQAMO$T M!;&Y(L*`9?M8ME^ESLFOQ\ONOEAM`X:FV^2^UC%$Q+Y(E0H]I?*._2+%"CX9 MFF&(J%^HM+-2TXERV15ROP5*BM@LD]$7L3V)5*E2D$[>!UMIR\_R>D))X4BK MWP!*V9,:W8'6[XP0X16>*^RJV,%&67P/AEI'URM$N%INJGC^'HX,Y.]R\*UW MNEI?+RWD:CEV"_#Z^/3E:0D?\55H`E[7_TJ\GQFK]QRK7P"KWW?RP#'"4IVP MBF>^X07B=W01QEU0.KP+2E\CX8R2=]X<7.&7"+R1H0_?L"V=)QJ$41YUL]&S M\/QP"@&.!_ZS&YJV2R=DZ?H4&.J?\.AX00!O>>Y^>PEB!\$27O'`0X_VCQY> M^.33I>.0J6F',UZZ;OET8H<,6O;C;R[X\!-RQRK;`Y+([<(PID\)S$)]TW%> MR)--G^%-,R`S\\EV'_GG]GSAV/#7QZ7IFVY(Z7I<=J1S,YR6+(Y:E](')VKI M-4#`@<(JCR`7++7)_9T2GW@ M$WBD4\Y+9L`'BIF`L=//$8O.S4=@A>4D.M\P6?H"%^AW]_G.E#A@98:4"!*Y-K8ARW0AF`!FN`=0$"[-^I\Q*AP/5" M]A`FAR?/WM*9,,3YC*)^A,?]T1_HE`UGAXSI@-WLAT!#B]^"=&)#IG/.N_7).O#.WF&BO)#];CKFA^ M:`2-V-.MA4X\9F@`!1R)AY<9L78:^N#W9QN^9'_(BK@UHF*.R,R*$<]8,[!P ME,U`3=\%EF'2"M#-[9CSV4OP^=+EJBG!G]?D!A;OTSDH0\9J":9^H.$SI2Y3 M;GZ,7;;\'2A21,'UW*MX.J9\@>E_9J"Q]8)$L%&`=!&!+*"$3V<4)/R)413^ M#8SB4@ZRN0!5:#'+1T+S!P6XO[*/GNT@%ANF?GR:'WX`)L+>)(F^2"?M*S'@ M5)B$Z_W-J#-8ZP.;*0"WQ)X"F&[H,-*"`HHF`1J#5:'D!<8_;K.8J@:C`Q`! M)&L,`=#,$,!T7`-R^5BZ7',%RRG,9K,_TR=0BVS5\+7Y9-I.A*J5.*_E).+Q M0Q(1(6?#B0OJVQX@"=YYX"IV8C.]>7TP[9(0)(8-4-.6`]IN$D'`_IQ8`I"3 M*8HT$^TM0X>SDAVI9_,!`"/<^TE=AQW$NC18.M&$(-7PKY!PDP<4=Q^9J8*) M0Z!-S*%,*X,,K'^%7[C1\Z\","*,LCNOQ,OS*8I+*Y M!%M@"A?F9`+L_LM%YX+_.UB8UNK?Q<+#.-@<)(/-1'I=@KJ9;/T%5PT!Q:?F M+$R8@Y$>Y\J9PSE_1'9GR[UM`8NLA(5*5B&%&=/4!2MTE3:$_I"PS.2&+EP MTS`_2)$LQQDD4LR+D2HV.^>I:!KD'%(K[Y=(1?U>-Z5AJ+04;!&Y,J=/VGAL MX/9@A>%S5*O/2DI][X<]YP6!IN_S4NMU"?E/^LBX'A*8WV$E>U&!V&APW=O\ M*3Q6Z;5W6^MV/9D656@M'#IY7-4%`W3P%Y`/VR+3I3N)"KHLZK-3"G&=XX0N MO/\_>__:Y#:.)`K#WS=B_P.VSNYI.X+E)JE[][0CRK=I[VNW_=C5LW%B8F." M14$2IRE2S4O9-;_^38"41-U)"B0!,O><[85+))C(.Q*)S-")PG,Y@0))0V!_XU=4UA:+"/V,44]RV7?.YJ8N!W=)TG?V6QGQE29S&7@\RE]V)&.HURML5L?1];,,N*!;\.% M_\U+\YTO)!M>Q[;PTD-`?KPP62=3#\W!%3DRBN?`W*V9O)2_(BK'SKQ(`/DR MJZ[BFI9G5KT&A5EIZHR8_,'Z$?..&9"_,0-241;A`7/*&WJZ.\SBW[.HAR:P M8_4L"^I%4?E7*G#/,:_M30VTPZ8E.#*E%Q2N% M9E'$&NKG6I-=F3=R\C1$9:5BS<`1V.J5:!'X\7Q!9NRV+?L+JAB!9XS&T-`F MEQJ)=5"?-#\RACUM-#R7`GCU:6N+U<=66VP42$0]U!]U\'J_KTTF%RKLH4J1 M9-0?:KHA8VJK^CKH.H6#6:_"1F-#T\<",SKR):JAPJJ&F*96*A>_CB0T%706 M+SU<=\*$\BHI=WS!G/2UX5#@)=^<&2G*:YN:(SCF9*R-1^<":;F24M;CO_P8 MA[=SRUK]M$WF"-][;^A#=.=-/_*:QP0"257*46)A`@$F$+1<4C"!0`HR""(F)A!@`H&\\05,(%`C@E-'`D'A MP_=MDH#E6H&3]E:DRY7K/U'6:LRC,R<*]\_[/UC`.7?>]`MU63\\5EK`"^G% MDWP2>T[RZ^^Z;MZP[EW.TG+#7VYN>S8NN&39^9),9(BY+-K>>'= M])]QHIR2R//2&/2Z)NQ[ M&KQ[9!^!*15I^Q6A^JC;5!^#L!>2]0^.]>"X/'GD`.?;GXYHU1QNT4#71WO` M;*>\%H*^8?:,2Q"8_8&I%X&`,W]"L#/``#J_1N#J+V!S18,P>;X4CB:#WF0T M.@7AT>]4#78>Q$[,@=X?EP3;M](>I!^HQ7J0@IQ1YY'MH33"&Q4<+(&]`9,F MSV\?YP^_3LOQW24MJ\NL9C#H&_I@=S7Y/UED8:`$EC3@;>W9;342],8#,;]>M#LA5$0)QV4Z\%KXESFQ^L6P#*H!-]F,*D#D]R( M\4=8Q_$(+*%+POAAZCPZW&J[DC`JAQ.^]'D-Y=CJ;MY)_KUC.^2S M%]PY7G^8_R,+<'Y6&HP'QK`;IKFH"1%IFGN]2<^HRS3'`+@4&$Q`V?\Q%\;& M_?VM3=L,<#%DBC'`XU%_T%8/L:@FO\L"?:8):66S247P> M>QM&+&MCNCWV?_7$S_T_S8X\O4^V-3+RTU''W:SM015?F4G[.EQ7F>5 M$4-"@H-\@<7)>-PVOBY&C-)\/3"->ES8!'56UM;*PLE7;'T-#6@(4#5I!>,)G]8:^6\^:S&Z;3@:16>I+EHD4">(;=YL)RF3$#<=&/A.[^4R-"\B3J#'27;S%_/&IK,Q]@K_(WM-*<,S/K)5^`A6>Q!;A.L MT$D2\\&H\#[?8![63QZ9/*?K>PQ9YZ$N@Z^U*2$I844B+?6=+B!M#<&N>)7% MVU&I$(^VBM@L'\8$LEE-Z/I`'ZE+WE//'/(H MY#\84@EB%2@Z8*=J4%03$U6IJO+I=[&JZGK.TLAO?L2*Z[/F`TFF7Q*WVQK5 M,(-!\G=6:(#P2@/'L<:GXY.M,W0R,QUI:M!@LX!\!2[VOG"QP(7P:BL,HV1` MDKH38],P?DZVP6?:`A1<4^)S`/+B\(T2+`*0!@" MF)I$/K'C,/*7=%NNCUT1_0VD;$%>4U8YPV6W/;WPR7VT/,?BO/X5G@$6]3A, M_\\/_GAQK-#'G2W';CZU[XGL]JG%+0 M>.MF%2%QV&LKRE%)?(^#3N%G?^G8[+&IP[X0DF].M."]*VA(24#G[(\O",,X MK`*V8$Q;)KTD0MYU!$@;\LD2W#^!H/&P2,B`97_?QP*L=^%_8\TQX`.;AUG_ M#,NSW"?6HV,+P^EM'['X%_)BM),-.<8G&W+D*2:>MX_"L(XR0<*UZ"'CG*^O MU&"CBNK[5!A]1?LQ\,ICQ\T?X@?@?>^Q6P_3&-3H4VDK+<$ZMKQ/6.ZU([`GP)W3F4Z=XQC172_4=.E.#BTO-#_I@*7 MXF2+M#P^1(WP;+42`E0:H&IZ!ZDI>\6K=68RB-02T^)U[FMQ`5I4R/6:D3$: M:^98%]VJ`$FHVJC70R90F`F,T4B;#,Z1L+)&6UVQP'LU3K*9X:4DYXJ2^+N" MAF98I>X->4=FKZ=->N>Z7R%5VSL::(.Q\!Z72/MF)=H<:[U^I8U;T$IGT\_1 M+*,0U^)\ZYHQ*-=="PF-H]W1+?)1Z_GHHL+`S?K>X6I2G`X-.LIG4Z.QUC_; M+`UICR.T\KGC M\J-*N0]*>>K'#RYMMU96*!TYMUK6C+-)R\@)JG/"8-37QE6>=:?E*#:<`"[: M,2LBU^6[4R@H:[E[VJX[1J)413_1P MI!L-1@-M,KP0S)3K*KYT`&7TUX^\TMCF7UCT3)ZB9Y5J[(,:>+4+5`T%SJJ! MJ$[?I=4@R5,,""O_*&.[$"!QNY.6"5IQ9S)WF1^9=RZ5;TQP%W(P,L8#K=\[ M=[D8Z=6^4<\8(L6EH<9E"37,B2TS"-)+],C MT]2I';J\=<;J."B,M8[&6G\BZ15L)+3,(S35'1A=T@[=WHU76<4&;3E*Z[G1 M8*P-NGY@V(V1J?4F>'K1LM%@B.?')PF/Y6]0;.4XZNWP!=7XZC*S_((CYTOZ`DI/,EK"@D_HQ$ M\._7_G)E>4\)#&/3&/T<)B[CR@^B&3A2/K$"RN:SYO.`SJV(3F'2R">V:S&G MDL#0`LW]2%V8T(J`R\#]#`&CGC6G[%OLB:7O.1%XHX$3_I&<[]``O-,E1)DREHL`88YS!(2V_=")XS(*G"`5+!F!K\Q8%/W=/)$K8#,G``>V+[B M>S#7T7DU`IL#EY[ZF2S\)27TS]B)GA+KP5%@IPF:9!4'*S^D@`5XW'7Y$I/' MF+L-V.;(M0,Z=2*0AV@!K!0LPQ1B!FOR)`U#((<=PX/DX0F0N(:=@6 MB:@'O\!C/B#-=>!?I]?U@F1N4P;[Y4'X(A[BD`$8;A:1_'0<#/B2?73"%^0N MF^MR_%,79LZ^%(>602"M+M0]E7_D0;3P)I%!TRV^ZW,I'8<@G*'":<4J,V>M&T_]ABX M!RE,^[B<[6(M99CP./2>#\HS`R^XF2[\7^".]9<.LZ/VOK7S0/FOY3I"SGP: M-,@6Q6!9X/%E[#FVL[+8ZS1%A+5RHI3Z/N@N*V(<0[^OJ,>@A"'PKGL'DE.E*?\7TQHL##T*L]K_>5%;RY8];V\`5.SBXX0$K:JDL M'#*.EJ'8&2)KIX0^98']E+W#1Q(]S'AEHI.I]<0)#4H,M),%MF8:4T;B!S`% M8$0=8,X7)+.T;XX+#..&_F:1S%`RV[I^G#Q8C$T`X&2I,\L&(QD2$-0'T/@, MM]8W]GE_IH%^M-UXNE%4J63O&&[04[`8KAE2)O73A=I6N"`S;IAA"4YB^Q-8 MP%3[4V?FI"J81`'?6(!:I`\1FY+K0ZXB7Y#W\`1L4=G$@%X:1):S:XXV]E?; M,:.)UMQ1D(FSP`QKX(=A1H:!V::)W=RAGYLL9^&L,N].*;.MH`ZG>Y0`_^,I M03[\D;LJR1*M,$.L]^N'MTH!R.<^_2N9;C,Y0QC0Q&'JR'_@Y037K@ZQEERA M)M3V_(A_#]8"1H%]#O1MD!#-7QN8*``RQ["FC5NP(0;P(^7,`[#-LB[4!I1T M[>P-\.!CNG[=R2Z%0,D>`&7`KPV!R'SN.-H)!=PP6&+1V-PP$74> MV0="[FPP*=-2CY<1(PQ]D%TN!ANZ).*B,8FR5BL7-#>#[QGG1>`[@"-\?E#( M#FN&5E:I;UA?>V"6&_2//=? M!N&:>J8RJ(E],5>,3W_G9K&+$OI^XQ_@ZKNV^MJR\%`O*LHAG]?[A"Z*Q_^P M37WL5U=]M79[&Y>7C)UFRV)V\OD"AC7"$^N*"+" MHQ`\,O>ZJ5L1%,^._;C.`2AE=4[G,]?BVRJ0X=S315>%J<6$*X#9\R/#.-&=[[B/B0KSGPGN)XA"RE(>2WSOYE:4EON5IB>B?E$.AF-%0 M=,,6Y;6+.B/1-8"1="A82!VD3JVCLQW#I+\X+[^GM;V-B(Z6.(X?:9-AN2-D M5"$E1@.M9V"X31*-?6PTP>!0C<+0-T2W=T-TEQSUSJDE#!-=2:V[:SM1M\Y] M,487"MZ@Z->VH2D0](AZ9!T2#HQ;EIW MHW#'RVNCVR:.T4W-[.']E-HTAZ$9)J:=2:*H)YCT5!\I3.!\S`!L@/,-L\*^ MC^UT.`Z;):#+P7.7,&U1%MN%I)"&%+A55Y9T*$72D*+!J$F1%LAM<')R-?9O-5GN61ZNE&;HV'I2K@7(%+I77*X(JSPVU<=]`Y#>#?$/K MZ>4.[A#Y5R-_K!F#5*/?DWU$Z[,1F\&U.YS(Z"*Q(07:Z>XP1LVA%(!%*(&5=:Q11M MG8-.!`(A'Q"2Y]=5*L'%MS5R][Q1;+=HFG+62%8,C1F$=$(Z M=9=."I<$E\S5DKZY2Q<9'56.&B.DDQHCI),:(Z23?".ERWI7ZFQ)W6REBTR+ MZD.-$=))C1'228T1TDF^$4:HCM--H<8G*C"PJ?7'F"M;SOUNW\61:=3' M7*W*V'R"^5BRC,[=2^MVN$6I#B9=9%WM*/:OVMDWIHA"H69*_BY1".B(=D8ZJC)".ZM$1DY=.44[ACB5UL?3Q]B2& M9I8LB=)XGX!&$5=\--;,GJ+M,!3#]/G18%RN!`52H2B_CTL6-D5,BQQ-SITT M9[R&'R,+D+OY5^;Y#"+W%WW1CSH]U2%&\V.P"'7O.75_`^I^2:B[68/CN8Y' M"X`LXD/W"PJON:[_S?'FA.,\A`=L-Y["(()?K4<:6'-*'BS7\FQ*_!EQEBO+ M">B4S!P/_L;>#*A-G]M)>``, M@`CXL]$BH$FXS`,@R1*6M"`K&CC^-"044#\E7^DJ2MM(Z+R-Q(`_S_I)/',\ MF,&/0_A#^/RP]/M5;`0O/03DQPN3'3B66V>7H8?8U'73*.XLNSU MO\OIB+4/J&P(8-D`Q/`D/.E\@[YP M-6H#:6E0D1Y]E[+R;XR!/S(&3CDW[WY)";+U3L)S:5>^_MZHCOY<%5#Z4/^< M]RND0UG=^#F7`*4,X]<(4*XF%;+!?L]FI&%T7L)EHX5L\-3! M&\TS@C*JK)VB>I=L5$KM\15?>CXMU=:UL\UE\ROO"G=WAI6;YELT)XWJE2_4 M9INR$FV5@7=6-2LY`F:KJY[WW"+[/$OXH M[JBR/=BY4CFW'#NOK7!!7EFA4TTVN4JJ4"4Q0IFI"Q6Y!.0:`WE@X*K4((UW M3I%39'$(+N&N%J]0@>R^BUG#B-2F1A=J M^"!AFAI=R`^JGS"MHH*I7V@WC_@5/AHAQB70*]N1B(H,Z$@>CGYE>>MO_XR= MZ$DVCF_0N-8[FDBG;#J#^N*C"Y?9D%92CB[95Q;'2IUCP21LH1.J;"1R-M:$@G M#.JC]?QHB!B7?H0QU&HH>Y=I*B";%*`1YB,#S_2;)T)N8B&M&JK)((B01 MDJ-#Y!#D,F-P-M>(M3^/@MB.'-^330[0WLNIGY`N2#6D&OH"2"(D$9)#_A$& MG'/=V@5/.%[20#9^1KLMIYY!NB#5D&IHTZL:&9@T*M4(A4+Z$8:)\]'V4[2@ M`;$W>;EY>@.CJB^?8P1!IXC=:F3Q;]!PE9GGY(@A(F-/$0EHU3@.Q=@--NQ0C M))%4(R2']*/ZPJAI?^)-V6]S]?U(^P:E?.2OO*XUZQ.]\ETGZBNCR@0:DIVO$U(T+#>:D0UG=^#D7NU!6I4EE M&"2$1X)DO$I:V\.,-+S0V%XV6L@&3]T)3,TP@L)6OIW">_=(`VM.S\MN.Y>> M3V^U=>VVOY2`ZEWA[LZP,;-+/UCH;2%?[M#.I+&&.D5>,T M0`=5>A(9/1U1WOQ(.FW512((]VPQ7)IK]'K31D MPZ3-$P$=4PE(--1&(W0^:QZ9TMF%MF.\%D\38Z@Y1G>9MCNR24%GC/!`NC.R MSJ"^A+.*M&J^%T9!;$>.[\DF!VCOY=1/ M2!>D&E(-?0$D$9((R2'_"$/*N6[L@B<<+VD@&S^CW993SR!=D&I(-;3I58T, M3(^0:H1"(?T(P\3Y:/LI6M"`V)O,6V%=U=%4ZS^;FJ%CFD/SRN"H3;W0@0,) M(]%(NOP3]0EC".JVB&A56NFT'>.U>(X=#)$F?J.5R:1%SU%BEN^-D3"-$T%9 M;P=I=:7=0-,NQ0A))-4(R2']J+XPZLJ:3AUOOBGY;:Z^'VG=H)2/_)77L+:\ M*5GYKA,Y-CC)8?P`"W!"Q_>$.OX868#ZS;\R MSVQ-]<".G4B\O_% M\(WHB;SW9GZPM(Y5="B_K)PHW1*VYB^_\W<2FH-M/TEM-V%EYQ<[4_U"(_Y> M6O3Z+SOOL\A^F"?&KP$!/6M.66=8$H>P*(MXCD?)/+"FE#BLY:C'`'+"/T@` MY/+F)'P*([HDD4^6ON=$;$T);?],:/N"W"\HF3E!&,%_'RFQ`9"Y'SAL]H#R M]3B@L^B4>'X$+S/@6#]6#BQ[PIK/`SJ'M^"?(4GH-39-_>?/5AAN_FG\S""B MT^1[F6E2.#.?C2/'Y3\]/&47/*<>!72Y3T!=U_6_D0?+@V72>>Q:L*XG,J4S M!Y8(Z`J3KV3^0/P9H9:]6'^.`U4M;6=Y?&-BF)8B-G7= M](CKEQO]AO\[7%GV^M_E#$5J=0Q=S]@=V)*OK5CDKX[LQU-3M[L!'YE999A; M1K\^+4&S:22D@3,[[#291=.X=USOG[/.U^N,G#R0F^9,.,BSOS+!#8EQ.WB^ MD1P#1`6X-TS;UG)6!?&UX:,^J)$0J!4M]J08V-J;,[Z>`45!,HEEVW25L`R\ M^TA!/!8`T^;YM?"N`C^B=I0(6\0D,PX")FT>C<@W/X`O<:5D/25"RE@-7@=I M8@_[#X`04"GP_]/7@6-BNOXYAD4';O(FB"Q(.,CO"X%6&043!5.T8'Y=46[O M/\*?F>5-9)0,]P74";E\KFUO"!AA4@<.ON79-!'2C'&:QT[R`Q,GQ[/=F`E^ M(N'?P"6`'\#T1^RC\/%OU/K#HZ`A0+*X-:??G3`"!^#;P@$C9ONQ.P5I!!\` M7EOZ\#:CCQ^'3*"!'9?$F27VV@=Q9O(M0NQ0)#HJ$O$#^*?>U`JF:W$852@. MT<**R,)Z9+S]#7CF=NVH;:3BP0KAGR"<_L,_@;N9VTH?P4M=3_@`S+>P`@L8 M/UA[DLP@`:G`^[,CD+0P=!X<;@KYY]BOKY@_^<-ZX4%A*Q+G@O/,G&* M4H_2=N`[:_=8N(RA:4,YKDJ.W_CQ0S2+W;40C^L18A`H)CMKZ:5L6F;QP,MD M\[-][D:]@%=,HQ?D/?P=&"[91$?<&&&W^&<,>W/X.^=E#NF2&4GV3VVK2;B!Y9ZJ$]CQD@%DTQ`E&B5:9HG^ MX&]VD612M33OA8-B;RV"7)+8-G`&L@SN:;()Y._`\R!5<3)OR'>F3,(9-,QT M?K,"V+D*-ITMBT/>^V1!W16A7A@'*5HS$;[$#P&ZQL$ZA!C0&:,+U[JK`)0G M:%KV]UDF(?@*]M(I0,&EAL\@\?'@L9JR=1NY/? M\6?@?+&9V()A62O&BTR=S8#W&(1,([EI;&.-CVPL-`U+)"P-PL`#@LD?G0!\ MPB":^:[CPP4S!T8ITQDF<-[<`,R7>6C0[_Q8"L($8M]`IDVC`#47@'65X$#*TVVB]L5 M)F)_:$K7^(5IY@`DE\D-*9AX`Q0@DGS!$7&I%49<;#D`Z<(!".-Y"AS;@#J> MLXR7[.N#P7^M@9BRD`]H?]^-EYN0T%Z%D"W24P1G/Z,1<_,19F82M*P)`TAA M=&?,0_[3>*$#%*Z;FG^.`P;X$[4"C?2RL%K_A!GVF3\)J0%L3L2H%@+R*`M7 M,6GC_@5E@3.V[NRGM*/GA)N/A=1-0FN)E%"7[>D9P M_O>>3J;6$^SEV1*F,3M5@-6$SLR!R?;B$QK)[,XTLG;QN#YFUD'C[#5XGFCF MY/1A'75@'\T$V%,IRO#`E-)EF&6R`S7=8K7+CD7X00,3>&YW0J8A4WV:QE_I M=]A*@C2&;(NY5F],!P&YYFS/.D\BO!:7S:]T%='E`R2 MEFLU@LHG2AMC0^OI%R[3(/(KO\ZDC8<7KFP4)T(M>ZL6$4&01)G:8%0NXG*& MEK7L`SM-RUY?,,WPUF!=]W/01%6GS28C;716G>6]EY^#0HD_VC47^"YSFHM, M+G'MBIZI]4QTE>4C40^V,"9ZS]+1I:G1P+Q0>;J#_G?[1J(]0N7]==E'Z,++ M3+'>4#,&Y[R;_(%N=/5/C%YG[ONC,$@L#(:N&>:%3D5((B5&ERJ%X\*/]I%$59-M MC*DUJM'LFM%`,_K"*8X.?-7^@W":H4..#GF'*38P->-L-P,,Z`OI+XULWJS= M,+31V7,K))&,HV%?>(X&.N7*C@Q#^&$;.NS2C3#BKAB)T<&7F6+LII$QPHA[ M[IH=AVTS2O%WP67F$8<-38]<=^X(%+GNQE<.1:X+\55#D>L6O`1L<74`(2T/ MMJEH8JZ^'],!:JN=\TK\H&]/*95TJ3(,FN1Z1N.1UA^4NTB*)&S3J)SG?`4/ M8/"C]:/:>0I#*-*-ZN8!#+&TC*#H+-3J[V$(9J\]050RZ'*Q&7*;6;Z64A^] MX43KZ^62<)`Z->JVG#CFW4X7"9M4 ML=VN=&]]T!BJCN0&$8&HZGFN]5#6J,I$G"?(#&6-JK!2MI3^=D>ERK!HGQ0) M;%MWH$#'JVN.E]*ZI/C&5/:N)JV*`AC#B=8;2UJLK568WH[&VD36^ULMQ;@@ M63&U87'!4BX"H/151\5=))XDEZ/:A4MC(D.MD;I,@:2.:?R]QOI8B:9 M,:FB;1C2H]BHI_4FPMTCM?S:-H\,;3B2M#(8DE<6+TPMAUCV4<=]9)E&9E\; M]A2NT"N9'RU_,X\N,OFQT5#K#3H>'V[?2+AA03>]72-)>W@@@\A"4'3T9:8. M&MA:?:!N1]%5:L;118[NZ]JPZRD>S8_Z6E]\G59TNV49F6`BA)]`H=/<+K<, MG6:9J8,FK;QQ8Z5<#(R.G_&/5>F,T47V/3:::*9YCJ.11(V/1N:Y`M[H4"L] M,C3C;'UV=*@5'*%#+?,('6II1H:AZ4-,W#Y%-.Q&(3,4>$6Y:U>4&^E%T6!* M6TL:3W31LHXFVJCDQ@+II>Q(T9822'!91HKVCT`&4H7@&,I0F7IHX*MSR+H= MZE"YZT.KBBGTS+XVZ9E(BJ9(88RT_KA^_*OER4M5XZ4`94?*=FI`RM;MD=79 MQJ&3U%6U9T.KB-4;ZIIQMN)&QC'^,;(`Q9M_99[/CN(G@K;OA?&2!DE@ M7B-V0*=.1/Z,X0/PB!/"RYX3^?!G\F"%\%_?(]\6E&?IP7_X>^RQ%0UF?K!T MO#D!2#S?N]W^18,W''O!'HN>5NS\T7W:SL9FL>;L109M'!)_MIV9GUI:3TM8 M%;'LR'D$J#02>RX-0V*1<$5M9^;8_#??TT@8PW>L$&;W_@CB563#TP%=^6$( M+_`GIM2*%@S&$##(WK5@ZBD%)B>.M_F6;]MQ`.#Z)+"<$`#\9@748Q\%Z"S" M)G2`A];XHH_PT@ORV\ZR$YS"K+8;3RFLR0_3$M$PMF`]`>7X!YHQ]`+.+-L. M`/,,R-`.G`?X*\`$Y*/PE\AR7/)`7?^;QM$"6$QG6UDA+"&F9**SA27/6T\A M?RR,''B0SPPPO2#W@-J9[\(T#$0N"60%G`,+"#G>`VHSW<0^_0@,Q-'A>!GP MB>U:#)];$NY3B%$`\/25KJ*T48#.&P4,.$0'[0/(LV3^.(2?P^<'!;0SLG*% MF)UXE6EIC@2;NFYZ-/?+C7[#_QVN+'O][W):-M79(SVCLS-;=$9&;AX81#=E M0RUKPS!0LE7C(9M4$H^JM>.1#4ND@5`T?=XH%D3/$?3LZMY*451+A\(*4'0I M.K83.RRHHM16046;..3!2,$E;V!W/-?Q:,$TI4X#=#F%*G]4O/V\7GQS]7&] M?Y`SY?4"`I7?VQK&2.L-);V3WG;D9\B@Z24/-"J/EW>'"&6D9ZSU)B6RPZ^_ M;MD5^_`K"RJ]Y4$E5%(2)P\,6/*`\*+32**J-=A(^-5:Y7 M"MXV4--FO4Z/,=1,9$,Y.CD::_V2A060JFJ-!@*3E>J\=8!DKDKP1R6J2'9U MTZ9RXFO;HQ?&>*#U)^6:6")U:MQG:6;)JH3-9\QVATIEY&^HC:HM22SN]OD@ MS^&:!'?@NP-%Z=/%O+Y($1>V"E^E4L?D(-E+SQ;%30V:/XC=: M"B7VB+T4J(`**IK:Y.JS8EAFEHDV&YC3UBNI*H MX41XTUT5[+^DU#@N,Z8V'IR3F6X[*\4Q*GWV31>/0X:F9D[*7=)&>M0T,L?" M:1'K24'DW!>OM)0D922K MITUZ.6\$Y"IDM(^U$RB"EQX"\N.%R\CM"=9[E/H<-KT'QF MM7'>Q)2\18>[@D*3\2G-B>4OQFK_\T?*L.>55>F9QP,LW MI96=DJH_Z0$[H"AI%;-7""I;DVGE!]$,?$J?/+`B4H#K?_%20KR.$UT_NGW* M"EGU(LI.[UD5J:=D)NK-61VF&=<%Q-J6'5H7$W*VA8V.5RU*"RNQ,D=I`2DK M0_A3I8S@ITV]I-F&)X(M3U17O$BH)![(49WEC,8GRQE56^IA7-^9]KU@C/ M57I4:-7:^GFFI]\.)IQM2FW7%%_]4+\==W?UJ;ZX9NEC19?.PW=\1U9J]1(8 M3-6+)"84V&R%KV%"90WV7P-JP9QL-W>MQ;9]MJ6"?YK7EFXUATI>.ZVW=*NJ M*G\=@T+<(&Z*X.930%)E525V5/4FD&F.I_;$00!_J1(URKH_9R+_0O&CJFMT MEW8)J,$O4MOOD>U*F12=TQ&(!L+"DF-"DEN&^D4H\B=6Y5!N)Y.L%%5WQ=,8 MJKJ&6(M7IE0"2F\L^@(BXO@@*:X;Z6C:UD.#8T0_BMIK;S M*NNO8!K":RQC^;6"K'NQ4'\I,M2R%V\1&3*>A2ZB`">ZRSE&U=WA5EYYUS$: ME*PQC6@7/D)*-$$)XVQ%CDXZWW6,1KKH M.';L1G&`WKHL4B+X&:B?3&;)8FDH'9>4_4";]"5M MP:`\UB(9F03$@F MW+!(0Q*4IMK(9.C@,T]P@Z.$#%1#+-S@2*;.\`CE)-&OZBR$QD#XJ(_Y]))0 MPA1M%Y`292DA^H8L[BA*CB9X5[DV2HRUW@CW$;)P?AGZ]4>B2R3@UD*1K06> MG3!H/_&^-?;F?D12>PU-2/TB,3`QGT$23807)YJ@Q$AX'@-N(OC(T'H&[@JJ MN16M:^,QUCF217%?LK":@=60I":6,3FWG\9#@@M^O)6Y.X&>O$S,CBYE(S;J^S'_7NTMQ5?>BX5U:%_YKA,Y-NPIPO@!%N"$CN]=L;^XU/0'#8Q$ M@H-D1#(B&=M,1MPLM8*,*(U\-!YI_4&YXZ[RN,?-636C9HB)FS?)U&7>@Q^9 MNQ">W!X:M=A?X=M#WOA>G&3V03*G?OS@TE;;N%(-J,8ER[$@H@7JIV')/`\D M0B$T#[11KUSH_`I$*[\#*H'HL6:6/!U%CC[-O:.^-BIY0?`*M*J__:BY)=M@ MW--TO78]H_[.HK'6><.SR@KO>)RAW@=V4`,+]T('&)=.B>=[MY9M!S%6V*V< MO\4G`B".]T>FCNGM(CQO?20ZE;V+CO5`&^`E[$;\AI&)+2^D<=@NN'.7,^0V M7EP4@/^RL@)8XDF?35B(=^NBGXSQ"KR&T(E$HL3_#"/'=0EW.V'%>#;:S$W` M0S?08E@X6K=*'?M'I-EFAP- M1D-M."EWJ;`@GD4DTA3UI8\$;C&W`W,[Y-8*F-LA+Z(O^'F8VX&Y'2U"-.9V M8&Z',G@5[AKGR>VH*[B\ZPT6\H=_C"Q@C4[0`EYZ",B/%R8[ M`'SK?S-0B$U=-XU8_W*CW_!_`^[L];_+H6NMI[.Y,9E=P92D1&$0W>0)JE_: ML*RCZ0,A@E6I(_Z&VG3Y0`/2,S1BZB7+N`G>\.WK^Q(;IJY`=,VFLBL0R4>U MK0:958&Z:A#7N2YN5*@B/1(\,TM?%`M+41 M='FMI3C/F*6S4;I::IBWTBW]U5]2\O;/V(F>.JUPZQCU^R;BN('1V?8'[7?` M:E'/PV[O&NH8C74Y>R2KA>.AH8UD[2^J%B:%4\;4!F/1:D0Q_UJFD=$[YZ[4 M5!RBE4[WZTUG4%3H3?B#HAL3(-H/_,&>G$4/U,*QH?7/ZF#$8UX\CH3O3]HN M\\9XHAGCCH>8FQ\9$UV;]"7MK]D=,FQ'/>.<)L%`=%G:W66Z;**JEFXDNI<@ MTD0^FG31-42:($U0=^78T/>U8-/T8(&L,IUBGU2PPK5?L6C@=[MB@UUC$SA MY0?013S8#HW*=>Y`'.\XVIK9PULV`KAQJ)VO?(%^=4.C_DCK#T1??8RN3:HWLLZ0@/F^4;85*&?".DB7PCU%T"'!I#TX=X_U;"4364 M0=>_2:V$\?,UC;_RQ@^6-R4KWW4BQX8]0A@_`+1.Z/@>[A/1A-M9&`*CH2C:BB#^P4)]PL'!PKBFY_NLL$U3?5.;U-Z\F]3 M[OVH9*&@QKLQUR5SI3JO]$L61T:LEAV-S7(U'AMOWRXQQEFKEG*IWHC5TZ.! M9I1,>4#MD&*P/]8F@W()/!O$L4*OUZZ:!6KY0\UMSI(&8D:E-]'*[2]0WIP.Q??"*ZL:J8OYL M\Z-!?Z0-]')*IB!2KZ!J:3?V2)02$P8P84"A_2LF#&#"0!LPC@D#F#`@(U8Q M84#"P&NNA(&Z0JH[CE@Q5_3'R`(^V/PKLY0,R??)GA[QR')C??"\]]R8?CMU6*P]2<\C(]^4D(@R\ELT#F/E! M-A<``+"B."3QRO=(0"U[X7AS,M')U'H*R92ZCO=G3#W[22.6&RW\>+X@T8*2 MU_YR97E/()]/Y('"FS9U'MFKP-L1*[2WLIZ6`$Y(_!EQO`B^'4;)1<+T@8!F M'UD%CF<[*_@[P!'&]B*Y6D@`6F=&9K&[F7'W:3;C9GH'Y,*/"/V^HG9$IR_( MW73JL-8_ENO"`F`BP)XUIWP:>'AI32FQOC$,P:0^+X?B>("AI<7>@K'MQNR8 M@#Q8WA]!O(H8'@!P/PQIR"Y`:H`B*UIH#$Z7SMFZ`Q^V<>RE4..88NM8HPF( M9@,-8.I#$KP@[V?$2AX'V-8D@(F7/@"XLF"!TSBYC`F_?Z.`DI#:,2-J@@7^ M.?[]D.,45(Y+>>LC6'O$84B.!QYV.&)]6/"B.Y)Q#XB:`7;\;XRX7/$!66<, M6R''XLSQ+.`P^#'A;/9$>)QNQ.+(_DI7$5T^``?U=(V8NC'@5'D#KR=_-?A? M^XQ_0L:?SB-UGUX0!LJ#Y<+7:"*K*_@=H`7"/#P1V[426AX#B#SC-/?C$+X4 M/O_I>KT-+ST$Y,<+1N#`X&Q#%APL&U@S/5_[Y4:_X?\&FV>O_UW.S*5&;9A- ME,L$4H"/$V/*(!)E6C=H8NX<&0!K&HA'D'"N_4+! MVM"0UV+@;M&!JF].\0PDTX32:>:^P/.`%O-X\8WW1S^(YN#-7Z@_DF*&0W`) M4?58M18%/V0:C5'QN#<^3FZYJ7(_WK3<`=5??,LWM2HK_4O MI66C[D;V.S<::+IQ+A,'/?$22+W+='Q`_=P\DZLSNE":$;4Y,FM]#(>^>4G? MW`NC(.9Y(:C]FV=Q=4:H_5'[2\-PZ/ES31XO:8!:O'E656=T-MZ):AS5N/!1 M_URY<_3BY^7:U*->;_/(T/0>*FI4U)6-1OF3;+OI79?KCHQ:&4=YM["HPU&' MU\IPU?G:1\LI*J3L!?2YS"4Y4MVN0F&355`KL@QGI528=6CN9AHR=`/6X_R> M0)5KKTT`5$*,L@5;6F,K%+\K9/M?2\],QXJ8![125]W%RE M(:XOZI.E\S_C,')F3V(K/P:(?*%)+DPP&4]QX)G2CF M96Y"\FU!`ZKQTD#4]CU_Z=C;@C8!M4+V4$!=BU4EB7QBL?JH@?^-!C^$Z\HD M\.34F2HCO1PO((JWOCA4!X!V9A M#Z]HX/A35OV$:0/V85::9?UI]E)$OOFQ.^55?_A,WYR0[I:W28KPK(%?5]?A M=57@.ZS\30A0G>$*\NS^S9?G+\C'[7K@5^<1T`X0.0RQP*,;L$)6B.<(3IX( MM0+WB>\QO_G!'Z`>(UY*:6^(,"KM@6_)VR:032KEL/9BK6W M`@E(ULK98A7XCT`:SF+6=K4[Q:C@I\W2>0$G,&6+7;X%U@<@&?B`O^7*6D`?@4E35DQ`9MBQ64&M('D3 M�M";1F^K3<5J(PQJ8Q^IFA'G@P2FI9>=M24[`F6$OZW@Z(+\@=KVX4IE4D M.`)!-3B`JIB5R"*40P M^W1;_6$@#TB/S@B<3`Z`&':B->6R)J.\II MAU#6@^,ZH`"`)BE(G*Z\`-J6;@]6F)0&6S\S70.]E0N0?Q^T8H)GH"WHE91[ MK'!!9H"J,"%3^A2L[47&TWNU_@1GL+ M(2LA?:I>83:F+"Q602N,5XQ!DCINBG`,+%=,CK<]46M=65K[`-BI@4&Y.%D9RW7E&:B8ROI-$#$-HJC,B5D=<5ZK2G'273^"[FFP)+5A255[@[+0 M!8W'90$IG(/"JFZZ48Z[H*V[(L?7>-`''G"5*.I4M73I\M4N5R>O&2!#-H"D M(]GEKE[2D:SDQ8,2EPT4U5G%T\!$5K^7RG?').Y3(Q&U-*4*62"I56>36G8! MG4[WW8Y&=1)6>56O$&$SHBOBIH!4<9H.DKA6.55>`4M/SK,R*?).G-H[F'L_ M$E)-.O>U(N4ME-JCRI1<=5?(D-9MYQ/EK:&D-K!>-Z>5VEXARM:Q'SE&8]R0 MM$%240*R]7=X>7BG[7)^J++[#1LOLM2B#H MW&46@0E+%:^BR0LK8JXQU7X[I9)+2Y+>4%)&/4L1EE$*E'Q M>@:R-+(TLC2RM!#ZB0D*JW7A0`[:R7.[H+-7":1+E._)!A!B2#D,7;YLH=Q5 M`LGN#;S>-!FKZE"H%D<+DS4NCT1T&&AN=R&>PB+ZJ;6)XR4]Z$3V;BDYC4$/ M)5`MDC4M=^)W^*TDXGG)DC=)O5T9Z2IHG.9Y51EU=(S$*O@!S9.DJ5%E#K[Z MTBZ!D4(A[R9E*W3[42[;+XTJ;`&DHF?NS4"N3/'S>%:NJ\47:CM3UM5WR5O^ M[#24FM*9Q;I7>7/6(\6)0N(_`,EVW;*)/?:";"$BOFW'K*]1Q!]DU'DB"V`^@(VWR.%M MLJ;^&M"0@A?&<-.,R-I,Z81_L'QR;MW!^EF!J-_RSAWKQE\[ MG8P`,P&;E'6+"CB-DJ=@K;"1A;?\U__ M.W://=[;>U;;:QS#.UJQ=87Q0TC_C`$VF">ES$Y/DI`>`EU=IQ$7;UD(/(S= M9"?W+T5$^F)NK]5TR^*>M^7)7K,X;]+;BH>#VR85Y;PTP[2G4^K7*?.JUNHM MU`:G"934O?YS=Z*0):1`B4PLH8PN4Z'&5:6WY4IOD"181.ZA%8<06N[QJ>2J*HGERB$:$S1F"HFM&TUIA,5E'`5,ML*`57BSF)+ M3:B(6V^U]-KMU$4XZ?JA($`(4-L`FD@&CUQ-A]14ZL532QJY/*A\65`51W5> M\E">P!(D?:E,.91#I"8*77?4I8HC)#"*9@.1U3:*H7KML3HI-_UQW7>*U=Q% M\VO&+/\]S>*OBKM;V3%#Q5&MMY^4I[!4.DU!TJ$D(CE1[+JD,54<(851.'.0 M#C?(>48*MFOKI.3DWB'7WY+M//D.[LY?T(7_C,/(F3T)I>D=NTQNL3OR,S\@ M']B-^0]^&-*#[+GRJZIZ"1F>4`;F8Q?Y0SH/Z-R*:'*5W]JA#*]EX'+*D&=W M'SY\>$X<+[V3;RW]F%_)_S-V`CK=/,]NM;-@R#2&N9X(!1T56U'Z@+-<64[` M"P0D=^C/S6,#J.L[]V?F"5FBZ.$%0/Z!-]1._YI<\N_OWN0GSW+?P#]Q:3X/ M%^!]>W-$QKMDB`1<^]SNM93*;9+YVJ=TO>MD`TBV M*WNY/*PNW[&4CH-R8$CL)4NUM67Q$\0O-'38)!Z<+;=[ZQ%MVNCR3E7 M!QF]0M2/1WIQ+_-(0!3]S)-^IA=&06RS!G1RZI(6^3"B1Q>NDR'%&A@9(W12 M&;@E\8`>:KO$04D%UFWRF$/T=M48G:44AF#W,AZ],%[20$Z-TVF724D;T6F* M32Z43>B*DUL2#^CDMDLA3]%"QH0^W3V0'*W M0$Z5U!F?RC"%)S`A!?9QK/5,T<>CBKJIAM;OE\M01$]59A87)"ARJJ(V$<70 M3/$:'WD_+^I+>)!=#9-^Y?=/F=.X\ETGJJ.^09E-PNHH0T2!:,A>Z1\W>/E5>V6<&@ M4MQ\J?`.^D>JF0BD:&W;[LFYQ/TJ**2H1UP645)XQ%?($_H#J`X[1#YC7.X. M&4J8Q&3#V''1(L-E.RBUV3&KL)B',2D7;D-ZE,7X4!OWRY4IN`+GBKJ^@E`^ MTG25LQNND36U3'S-58M*WMIO7OE]@, ML%PSP!!XSW59+?MO5I!TYWNP7-X-T)_Q?[(>@.3AB:S\((*7'9_U#^1M^%@! M?/9$M`AHDJ_A.1XE2UCC@JQHX/C3D%``8GJJ5Y^P]GR-4?A@,[/=<[6LT5_. M%@"U=!D;*-H"YU4J6M9!%P:55O'?,4AYOF:%W>QT]'H!3]);?S8KEZ;6O2.S4$K^J`#N?`S_)BRHHE&@2>_"A:XBF.[V MR8+HT84L#21,"PA3BV)7@##/C/%SU/CU:/RS+8?R)JF@]W(X*MV%HUN\+7K4 MTX:C"TD4G;*5LH_0KVF>!N='%ZI==]P4C-=;Y. MWDX0R,7UC@R!VAOM*_I"2"OQM$*OZ'KSCE:G>2)DK,ZY3%X,*FWRC7+U%4#F MK7K=($F%AT>.1U1M![7C\ZV]<`HTY9H0JK-(W=? MI=.U@7ZAS#E:V3JY[%SL M*M5EZ/:PLS&Z4-%/)''0)"M@DI&6W*BWC#;73`I,&+S!Y(1"A0(0/*_;6C1ZLV'L..UBQMP-JM'RAWHX? MZ6+I7G6=;MG@Z?@F0&U%4#S4@85[ZPZICD>8^5KW@4*OCY=V&CLO.#_*ET^1 M1V>KKK(K),M08)T$5.YG1J5J]'9RSU(F>3)L1T:^!AQ=<%TJY'K3Q*O%U6KW,L5V,;:2RV'!4KMRJFY3Q.T:M*0R M10B05C*,,)K3T.9@@EZ2!.R?V1R4**O;R3@0%M:5D7W'V(N@>2(\ZPTPXM,\ M&3+;AG,)2>C>-&1-T3S4/BI3.;>#(2.LF]LX;QN:::(OT[S&>-;')@$2D"'O M".,X-7B30X$%O5'S'VK^4D5S.QF$P6*YTFB%8Z/!649&VRG7",^KFJZ'<.LIS8IG4< M]U6KM"#_=^S1==5&!:K?8JG;VG"A4EU;+&*+*NYTCM1^==IS>D[>4U0L1"N) MVR:;6RL;/)UWLQ62^^*1`YGKSBH1>CD_&H\$5GP4[V?G1P+O MFZOE;E3(Y!,)"YRIBM:>-BI3\Q7#&,>\"HE+O*K*G\5'9[LNH`5LQ]8;"2,I M8=!).:.9!+;.0+-0<&2J6=F^F_56N\.69P-Z:!2KV#Z:\O7.:3O.SX\$B@"Z M'VY?(Q!F/T,20=8;"C MEI'(/J&HPH<8O6A)H5)5F?#\J#^0KBII.Q'=J+U#PDA*&'1$SOGBF"U2EQ%0 MM3P5U@[M%*/V!LH5"FTG(9HQFDBX=A,.O:$T;M`7<0D'#<[UHX%>5V4LA?PB M16MT*G&-;*B-A)SZU%L.4@G4YMYW3H1L/)$"(BQAG74@U7(_!%'".+OW1U5^ MC2H?&SF31WZ,+,!2!B][/L_>)!G$'1CZK=_!IB0V==V5-9TZWOR7&_V&_SM< M6?;ZW^7POQ88/4/-NFN#8D7"TN6ZR!MJIU6P#%X%Z\+-&]FVXUCM#ZO]8;4_ MK/9W,=$`J_WE$':L]J=J=3W9X,%J?^K(??']#%;[JS3\,>EW]D99/6&]OLA\ M$D1PHP>*78[8/3,ZG!B%-?ID=Q.P1E_UA]9];2`D$TI)8U:/LS#&R^9RC036 MI%3+;1#$T;V1R*N-'5?`6'T/J^_)S)_%1T+2`-#B1'O11S MA$Y*U]AJOM8D7TFL>/>OK&.MH3N<*+/*$;H0$OARJ]X(C++&')?8D M9-5)WT2K6.56S\2>1[*.,+0A?-07J4XZKKBQL!X6UFN<"<^/>CT\4)%TA`>SWH#5F.M4#0X M9T981`^+Z-5ZSVNDZ9/*A!]+N.V/GHTF)E;,D^3NK9"P(U;,.[?1'V/%/,DJ MYNT\7ZA0WA:*TZ^>1_4]1_5O@.HOAZC^9QQ&SNQ)K.>PH.2UOUQ9WA-9QU9" M$L%?[SY\^$`>K)!.B>_QO\PL._*#D$QI:`?.`_SP0%W_FT;`O;(7Q/:]F1\L M2>3SI]-9$Z2,36/T<\C/C(CM6F'HS!SX%#M'8J=+]A,_:+(#.G4B\F<,"XZ> MR)):81S0)4`[7>`-2#'R?R+/G.>PH$T5%!COU4[Z&1XY M\\S"7U)"_XP9IK;/PPOV-M?GZ)R/SW?N41]]Z/'YSI_MS+6J[3/PK221R#Y] M2SOS-`!P;@1*PCPP/?_XU(HL MQC%AO&+TY]P`_.4^`=E?D%^W#[H^?'0%V`$2`OO!FH#5X`=8*0MC\N_$3,BL M1.Q`X@!:$*3-0XS?F6A^2RJF)4(*BX;OO*9!9,$*$XF!OSYNI91]AX*]B/EG M`-0-PQ-6PI/-`.`YWF++Y2$YRM=K`6GX$EH!AT@I`8P&7S%QJ1VM$TRR. M]I?.Y2/\1@\"8A[$VS7FIF&/3>G*<:G3"?"N\F4J0AS04LF]'SO=JUO MX"\IFS`QA94!2AEN3R&/D_-?='I0PRRCS??U[@F+!B\]!.3'$U9E8^VK+[)J MZ'M55M<.1>2OCNR/4Z]C=T/<&V;7E=NT?7U:/O@@6"$-G-EAF:VL!1WWCMOV M;XW,4KSU/[``MJCP/%^IQT.O%Y8'*@_8YM%WP7)R?N$N2FJ25E88D6E, MD6&081@T?TO8!#B#F3[+MH-X[4TA0ET[%HS;LDS@\6K(WYPSD65$<<-MV MN$=%ED*6.L%2;VA..^)J26/Q6&`Q7AD#XP=30);/!0#;P??P#*RR$`8 MP9^L8)JP'WLYC7=MIW"!77F`9JO@GI*0)N@Y+8DZ38%KDRE6@06?LE$#(KM> MV/)M0G'K8'BJ]4X&NI/8.`F?PH@ND;V0O4YIP^\KYH-Y-IC6=6B;J:8I744+ MQF5KC98Y+ME>&0Y`63Y:\"=0C;,9LAFRV0DV^\U*#ABTY.A&`\Z9)R<.C)E8 M6-\E8"X]?^G8ZST#^^4A#@$A(3_"20XI,&[1^;C%7].SN@W#(',@>)]][,3)L.DN1C;/YY"\XRY;-A;!S]X`N::`JS!$\9ER5-06(< MQG;T=!N>@AEHP'SD=1I*&+.T&^8,+US>`M6%"SLR[+R`#(@.>8<"[3;C^@)D>?"N8$A9N#]DT M+P0P46%#SRK.IOYSA-F[]]\25)>UYF(7(\SRJ_B M8.6'B6><.A%KOX7GN2]!RMD,\"7GT9G&G+;;K&,V13(G\TMX#G\VJYE-L_U9 MRQYP;%.DPY0]:,C\;>ZHDSAR7.=?R;G;)NV:P0AHX&S+/!TK7)`9<#2[.S`[ M,DDF"1M>YE<9^%/L&"^89(_//2#4E#P`AZ9I#^ML MYM6ZYS?'!6=9'@"E5DA3+RPY7%Q;U/2]2XQ9T;V072;U=:<)EG*D<]/-H*) M.UXAWRR^)0THO^O%[;V;WHO)W'IB.<;,+?`VSZXM=WP0@-U>(]G"\91+X$3Z M<5=@?D^NCK/$N!A'I!9GF/[D(VN2SR'TU\&Y\Z*(MB,Q%%Z M:Y/X'O,^DK.%<.&LUE?CG/U%[WC2F52*J4\3*,#?=("@R0Z*WU#P%[%3@`S!.U M`G[TE'DRH#!U&C;*7-/V?):ASU;`7G]E>7^@$*$0%10E1P(_GB_\.,I<9DE#X`L+\,(= MX\1X.0'X9V&R6T?)0LDJ+EG.81:")D\:PI$(U'E3F`3MSQJXU)#9/)Q/G<=T M7A"Q:6Q'K.!FLC6+]G:`,\J@\UGI'KXS8WM4W[;C(*TEPX)4ZTV?!QA@F&;' M61Q[[%7`L\\RSBQI"@46!;8V?W)7B,Y6E\H*3E8`3GF&)_V]],`.^1SY M7(+XYEDA6/I!-+?FV].,]:/A89B`E<\`=Y15M&,F,JD<)?!THF69!5>?P8)# M3#>G02RY=DJ^@M]/EP]@3'NZECF/1:6!2D/XHX1G`]0'\G.<;U;W$L)NQS"73O: MVW0)5@W3\:'TD3UM!M0[=-DLV)\(RM8V6$#C[-`B3\GL4WF#"- MXO/WV4Z=G0^O4]YS9G.@2(H.;M%17)3*X=D3P%Q).^"J!6#7DMNTZ?8A M^^+>[3%1?M::WD(:^`A@'O$M8>LXD#T;P^QB;R34<^@/HS^,C"]'G&/7'I]@ M_))W/#>-IRP.YJ%I0"%`(4`O5PXOMX5G\L73+5(EF[9,W1:."ND\88*U"4\\ M7]YQ9C_E(DSO`/033D@(O&:(S8&B'T<\CX*1\L%R64FMBQ_/.A?[^18]C=\& M/YW+<9"WL;[:L*_%CT@=&`[?=CC;LL[&Q]CUR-&IYT>;$EV2;J_XK]]HHHU` MP4XKWG&]\\$E!3W!ZA*!L@":_DK=*8$_DZ\6B&AGQ#.#""M!A&6G!9N`F>`/ MD4O75;52=N4]D8.`7\>.@#.=("G2Q91W&&;5<7(UAPF.N^[2G)SHL*[._`-I M[F;R97]]WNF%(&]3/L>K1"3)UP6ET0L@UE$'9L`G/TA]VGZ*2\O.QQ@D_VEH M?7.BZ;K.WX=_CB8F^R?+?6!)5\F-(8U]<[:/J-/`:+O?3<7Y8`)6..(_>_J` M?Y]7SD@+7Q]/@^=:D[N*F9E8N8E@>VWJT;'X$6^"7->A,?BC0#0K44;);>'U MU>%-7MJYE63+O"WXU@T,];I>W#*IMLR!8=V^>,25\OK3##+`ISD8YEO>^IX6 M#]:RFAM/-$J"MGP!,YI>Z@+@#REQ8'W3\5]^C,/;N66M?N+%]'X#/1C>LSZ) M=][T$V.&+QQQS"B';YPP7<8]",HK)C,O__W?"/G+?]S>)J7XM@]KY!WC^K_Q MTG3;%V\S?_W[1X[)_[V]36;9`60[$WN#O["=A9=:`Q"^T-DO-S9C8\/L&?_8 M//GJZ2-8B3CQAEZQ#N1WWYWP'V]3L?LTVSQY9/($JANP$D[R@=]UW;QAI@=> M=L-?;FY[-R\'P_ZDWP>R[>'O+-B%D95T(GQ?*:8VPU\=&EB!O7CB7^4(V_SV MWEN!#\!_,'+AIQ:\O!>*F8$^Z>G78*:7"S-#?=`;&C5QCERL8[:5=:[&3#[6 MJ4?IO`;'A?<+N$L<\BI%[*B:7@/PA;)]!9TF<)36U*/!9*@RTO+9-L%(ZX_, MB:ZBDKI:BTNDI*3"BPQVOQKG,9]6$N@\7N<"_`9>_VM6#/HSBP1-DSK-SWY/ M:H\_)^]YE6>NBMC>#+8B;.<`&T96FYC]^1/L:I*"?_NX@YG9Q.MY7SVQ2=][ MFQFW$VZGV\YVJ+AT0S*(/JT*7X]G^DAY9[GO^PP<_O);: MDXD^V8=^._G5P!1#Y<08'J!2(#!]?50`,[W><%PI9D8%,&..!P1X8L)'I MV;"==,1C^8S^#(3+CI=I^P,>M^(AN8`NJ!>RTX%DUI-N0Z%%_6,?B$]Q]&F6 M@8`#L//]9'+N2)1].8]K09SI+S?O([J\-2?,I"J`VSVY5@&WP-8OS8D*C+NG M&I1`K@&VNBCGOJ$SWO_E%?5@%)'/[/N`8S9CN,5=0\K#D$5Y_.,K2XMA^YJW M?\9.],0>]#UV7LLGS\R3(C3%YV<7=B=W4Y8KP5XN2%`3O%5`03/BDI,S5#4' MS5"4[S_ZQ0CZN\B4R3_EI#4O:HOO]INT3PSM;9$%J]\%I-,WVB*^2)!4IO@,07W/0#$&O5P.J M.D!-B>\0_*GA0:1(9?%5D*0BQ7<$XELPN*&H\572=18KO6,6)"GH:G6=5KF1 M.P'5..YU1)04W+,(%:6^?O-RG-?K.1/0?^=XEF>+#.AO9JST`.36&)CZ0>CW M"GC40UBQL+VI#T<'_"(&7]^8L+,$#;9\F,Z#L9W>W6!IMJ^W5Z=V'@0=Y*Q< MIDQ8!B;A*9A'%,&W[4N[D]]YTW3J]U[VF?6\F[S.BZA[>2SS>IUH_<->IO4/ M6I)[O;D3M)^G7?R24>/I\2Q3EA@&V=2<,G[F&0Q>=)JVW7;?>X%J`]=E.,LO2FT&\E6*8=D;T6+9XHF78FTF:.+]; M!EP8/?&K\79RS^`A_:.;Y+_3[\DMS?2RD!_20V!XGW-V3S&Y?L:;.\8<+4G5 MU9F3-C6WMGR?O1VTN>/@/_!_LZMQL3MC2+*XGF'T2LAE;1N.,#4(<%OLINAT MF[RS<\TM*8A_0$-&.8`Q(1VC3W+%CE\28C>$/-:D&UY@F7(,V/5=J`<*HN_Q M-NRS"$!87Y;8LC%+]P>&'6;O\#F@*`-GN9EEYWYG!;K*R#E6M!0:\B^?`&N2"(F$$*JU(/@RG1]+>YWD`-6 MWR+B=]O8U@(D"GQU=L$-]AK;`D0_A/P6#U,@:<4B$-.4)RGH$3@C:*=$T,)^UG`5CPX-*)8($GUK*CK=C5GD1CI[49V'T?BX3@Q_`=%[O$"`J$ MZ8G3U2]G&]X--[S;+87QCCX$,;M2N[VE=41E#&YU\PJ5L;V(QRC][)YK@K&A M/]_1!HG:/\.NB=K?6@LN3<[Z1INUM7O34P+Z1,*%'[M3[@VD5P,W%IC?&-], M^H+#`SX1T+5E\ME]V6GR$69LG9!F/\)^7_I3ZKX@7Q-G MP&8J24NO]&Y6_,QXSIYS9D^)H=O.#NIIO0[767+%M;*""'0;ZTB="%P(/[A6 M<`SH1RMP>,R%"R6K[+KY^=G?WK\-GS-_X]&/-J8Z^PAX@N9S0MEW/88P?NF/ M7;M>KA)G*G'L4DV[ANL8JJUCP,/TO>=KZJY=M2W>0`V[3Z'#-?0YVF]*N'$? MB2U*XU]A]^VYMDD,[K0&R0[NCG,T\:/+FCN MA`SV*;LN#\(%V\(_:`1^*[BC0NS1*GX`K;(M#+[!"_MQ!L8/<,5K$F\-T4E' MDRUT]Y53GNS:O`V.KN%=6F8PN02\ANA`E"^N+0O+15"&%Q=8:+K1@?/?B#F] MHIK(7JV8XY9R7*S*"?_JB=HPQVX%"S+11RJ^5.,+9#_$]@K@);L7[7[O"KO_ M/M5LM^^7JWB[8UC_.;,M&/<&M[T]?T!C'C'3P^P=)]I<&6<"Q(WO-+9IH@SI M=^9,[^X!UB&*$YK(9VH0W$\PM:N]'T^19UUGO!Q[H&IKM/B4M)@+VE()RY;N$*7S+9A]:5P?AMH?;SO45 MNVVAD"U,F^]H23@$E+>7QA3X[VP[P=X*$UYO?&S:]F.+9@I/*94 M-DU2'Y[.X_"DLCUE!,JHW$/]M.;XPBIYH!W=Y9RT-Q4;D]I65LQN'5WUW7HG MO/81V48P80\6P]GP%N,[UG\^\-Q6L-*O@K!9/+T@DW MK\EG*[#F@;5:A/!&P#1@\A.O3YUY]57LNA1&Y#?_!3&,P<'.%_B%+8A7M4S6 MQTP%^QS?O/EQR+^WVGYOE?D>K]^T5L"L`LNE[]?-K)O.1UT*KOQW[-%+S&OH M5SA8]]1>>+P>Z6L_8"X!9UZFO-]OBWF%A:(LL$M-].2F,B7;<<)V<1V4>,WB M$VG4COD1_+OLC!A4*R\8G(WJL6.;5#UJ;*^ZM/Z@9.EX;!^3@7#-PMFYM_O5 M'*RY/A+P"._:SHK&9Z/!K&P1$XR`5?9+`A'9MZTI@`3>4)`XE\R!8=]9^ID@ M"."-G44YN_MZ)IJ`H@W[,5_8.<^VP/V0Z&";8OO)9VO MCK+;YY.[DW5<&3CP%J:]!77'LGNW#S#I7#^T;D4!`I`D`:]9-BPJ>V&ZB0<<.:@^G.7MD>]3-/]C8U+.>\:[B.[F2TA^8G`QNXJ%U=;KE MFD/KPI$HLG/,S=@)G@@IJ\(=D4SI$S;+&Q;^>+\V4:]Y^.-NK\#J!P#EUI_= MODXJ"]]ESQWNMEHKUZ["VR9+L<*9W,MD3,_K5[Y]?_\.`&2^_GS7\3MI+!F* MK>GTX@:#_7P>,H1E>@"_NK?`/EO`+"%HFP*6GXNO#I!U\8CK<>@@)ANJWI>DM3A%9)Z?#^^/C/6!\]W]Y,7 M=S.9N"Q+#TMJT@:9Q#-K<\,DW.1:A&F[6AY#S9XQ\G*CO.)^IFE*ED736%,: MFMHW+>SOV[RS[9G5[>JV56E^269987<(^<_SV$.5(0?CC. MF]J.D0)_Q`J\I/SJ+-NB8,IVATS6^.;/8E57G7^E_]IT&TCN`*QC9@`$:VCP MI"6AZZ1<]_J4,2/<0]N%&6:Z?Y_BPV,MM/HEM8TZ2^:W(2$"75A#?8 M2/=0>?9?:W1N$G42?DAVPR%EFC&B[M-:[&?6>D-"UTO>X),A(TW.V93A9AD[ M20H@9XK$`D7;FMX)S9*X?[J+O5UGX:RI`=XH$Q40(;I,"_ERAVK;FBP[RXIE M(K#(T:&+L\;CE@5/TV"+XLS!1=(!XCB:14?MB\6N"7D3[?I*2DW!>7Y7IPS52X;MVZ#E]209@+.NWG`]S9I+&_!EGOA886>[2/I$U?6#!KHP[UJ)P=?$`Q?L9L:QG!H#.H& ML$B=H\%X8-8+7\'B:`-C,"X#8')]2DOOJVUKG;T_7CIJ^V;R`']M\U9ZP>TZ M7NB9)UGU]#<;6ULQ.33,DT22<&W%1,38+]@F]=J*B5>O)Y8G+Z[A2AD:#/H7 M&$TH<`4+A?;WJ^E5#%PA"9V8_1J!*RABX^%)*WD:N-L'<-.`*\]`]RIYX@WE MWM*'-!>'146/UMJ]J`F&D_VR@#F^53GLO!#WI5*/@X%YDCLO@[Z]*ILMAOP; MC6[OLNVU-E?`>/TSO>1M[^D^[EM/NZKI]?L7OFGV9&GD[OA M&2RD$_-`)VSIDO`CZU04AAM84ORDZ,E5G+G7F^Q+\#Z"'\_)82`*DMH(3ZY%G6OMVU7 MN:E)%'YW#=,6']NO5&2@QI,#YUQF`U6,1G4:*&/?QRR!QC/L?$E$/@-#U:=7 M9&1^AH%\M!J#-['O5I?26FE_O=K0OO[B_H_Y)+T_$N!$B>$S,83L#;ES7:W8 M>6$4I)='/NS^)M"QD4GZM@O.KRU+;(PJ$<#/-&!=,MG#VW(+[_F*DG.IVDS/ M>5&](`";51SY6DY9[U>U[>1E(/AQW,IG\09V]!;&#^P2"2_&6;.)Y^#<>=// M:V"^;F&IS-I?B]@3X9=CZ!;JXTJ*M>:2?GFG5BFH:( MSR7GE95'D,!7LK)6(32I]'%HQ6C@\1U(2DMM?GF M\HA$*=^\UO09WJ*G6I0SKNO3G"G76!S5YO".2X@N[1K M*6V*2E)M-,EWLB'&:15USB$)ZG[SO96,`0IYPDTE`Q0[B"T=YY$2#9=@^D^ ML=I7SIPUM/YK8$TI,2K>PVV_O/XP_ZZ1SZA.AJ:(0X!=L9<['4(2I5#0J:Y7 ML0K9#C=AFHZZ<14Z#O*H4'3JY*6-M$[=<9H/5=\A&R(Q&1UU6]1U[7,6E;/?(&#JBD\5Y M..F-!>6`HF^1`^%B4F[/H%34R9`\B#YTL2_@V.P/>_M5_L0B^>A-E4(^B=F'JSQI1I!"/$M\PLO5]`X*X@D+9E3H:J@;R,A?C,,4 M0IK]JT#J;Y9S8["O#T7X:"6Y\W*USY$(ET:/8@]F*B][@W$7`' MHTQ-.+%)@?)X:G45[6FPOIG:Y"E]7TF?]`7(2D4Y!SGT\'4Y!T.=UQNH>X>G MLEK>W[1="B!/QF,!#%:/UU9GRE=^KVW8%U'^M_HB%U5?X)J8(UU$T24EZXM= MNHTU&8FHG')XPE5Q,*J^6_ABCL,$Y'T7K4ZCLF-2T%@,3=[61\E4$GF0+G4J MR=&;ZWCYH>*;[0,110FP?E[>,F:P!`'G1FIXN1$[!EK[X.8=6QL_&@/ZFJ#8\:?JK@\N^\5%@]'K[P_F8U MH;2X+N[W1;3A*[E/K3]G2SJGK_G]1\<34@7OHX85'VX6\FY:?Q):ASLS$EX, MNYK3OOQ)??V)"`]-2'7_CG/H]6[F8#(244*UE@3X&H35%%$BLU:7NU;_L*`U M,WN#*K/Z\`RJZDZPO?%0@#NR:[U4KN^2_W*=(20>GOOZ`7K:^4DS$72T>BZ( MV/G61-R;#*1G^MB)V5"/2(2/,Y5CQX9!SZI#05=>Y&'ILON60NJU5U6/ M:TREDS-90N[B1!>WB?I0;.^I,TY4_:=E-;I5C6WG6KE)NQPF'0\$[+%JN:E2 M1]181)CSBFAFV\[!:_`3\E'KDVW'*P#R:1^AFQ^.\YVA&Y&?MXJ"/MSU6;)S M7PW)J``DO?ZH*D#Z&Y3TWZ81R`Q-\#P.25Z]M_'`AR]EL[ M7V*[HLQW-M(%>Z3-1[;?8%_@'[C(NR__KQO]#'LL$D9/+OWE9@;/W\ZLI>,^ M_41^N'>6-`3M]8U\\9>6]X-&^%\T$M+`F?U,^-.A\R_Z$S'T5?3SS?^=1S\? MFS'S#-GYQ-X7TE^_46>^B'XB#[X[_9FP!=Q:KC/W?B(NG<$42RN8.]XM^\=/ MA$\Z=<*5:\&$#VS9FR>"9![^")_&\9A!3/["H67:@1CDEKRR0B=D],OBF:WE M1UC,]>O:!_`X-/_76JY^_C_&4/^Y[B^_AAWWORA8G0S[TN#1L1FYWWOV"_(, MWH'-^#3F1048Y]N^ZU+8/CQ2^,,W)UH0!UA]Z@3P1_X`>X/_(X1=@S-UK,!A MTX%#39*5CDU3_QD,`@C=T^8OQL_/"9#"(I^IYX5/[B.(A`4?"U9^D$I9(B9T M2JR0S[8`1F%&UTZF8F1DH'R#OP-H_C=6_6`#PY,&BPS"B&S6S$P24Q1/P`7> M'^39'H#LCUGH-+XX]E#V%V/T<_XO@@L$6PG/IN1N3D'AK'&<^>JI-[*0O.@. M@]X#NBT[)7!"Z[5^!%3/-EP;;I7NPGJDY(%2CZP"NK+`J2"K.`AC"[9-D4^" MV`5`&"D#.H]=SEI<`S#*?J5V'`#NTR?>?K<7E@=[!L8J3LBC8UEB?7W[>H=_ M$^YG,'+G,TKEX_<77U\0(#@-$B&R;;IBX+.%Q>"HP[)6@0,+60%H+S+(WHQ> M4=N*0PHP@HC`JL![8\+R8(4P#;=(\%WPHIPE`<_7\:<:L6D060[[.X-E:[AF MOA]Y3/U--X8C)!Y[A,$&4+@Q>'9L&4>QN\$I/,#@#Z:0G2\E M(#[@#5XZBH;7Z9I2:L%D\,(3M0)B+=D7LI."!F(>J3-S8%Z@>TJ4!%+V-E`Z M8%MI_OXJH_Z/?OIK;"\R<]HIWRRL*2"/T-F,*3Q`L0?N"2R193`!;&$$O,W4 M%`W"C,8@E"<#'?W0G>N"'6.T!,1SHMZN]=N#Y3)D)[P9@5H(+7L-QGK9U'5@ MU\.E(^'$K3?1(;7QWN,D]E>.E_IG\#)LA'GL).6>U``EAFE'QZQ%Z:@`6!%H M"6!KMATA/5TCS*M*)2M(V))+8$BHQP3IQ,/,5UU+&P%Q(=;TGW&REP);R>CF MA%QB`%K?`VE*1)2Q(/`M^V'G!0]V.F$(-H=#89&9Y>PR]7K5VS4QJ7,V:H'] M!H_';L25H0^+2%E\=UE'>?;]6M!1`2)I"ZM/RC;$SM, M#!)F!Z&+EZL$GF@!)+`2@4N@9NJ0J9E4!P#X\#R-DE==QWIPW%2G;Q0]@VP] M3L6*A`M*H]0R/%(O3K]-OZ^8`S;4!:OY+RVN;?GN-1L@1& M7Z2SG686AVGG:$-@AROI*5=`CYLEK"D'V'N@'&([^WG8/[M!\<]H3O/BWFL@YLH>/H=T[F&?OO_VP## M]6VRW#>PJ&2U!E]M_T!%K<>9W9K@S=)VQ\=CSFQ1`5T`Q1EZWR>:_!FKD@X. MX)<]_4_N-C)(9H&_)'>?7K_G"_UJN9PX6X<"=E'6]X.='_OFSB>3+[+O[7]L M^ZUW\"GV)<`M^\ZGV?8K\(UK(Q?]W0/'*D!L/\Z+A4:,(>))/`V-EN$\@<*O]!:,/^*?^IZEC?,2;4$V`#:,3(4$P.S7[$<=)4,Q1R= M?D]',E0C#45\G_YX+"$9WL"N[)%OL4+R_\&.QIGQR`!L('^ETSE#-3N'`NP7 M1'5FWNVT=V$R*4SY:78]8^\EPE\-3F5X^]V#_:7+(_I_M1S8VB>SD$_`]8^6 MX[*#6[:!3%@]$YL]=2)>!>9W#.P_-EO)Y#H?^Y;OL9UEDM]IV_&2Q93I%&;< M+F][3L[6F;?E%G&FO]R\A\_=]@W6:&B$9!5%UCT5U11937`&1ONGT=+2]0V= M.>R`ZQ7U8!2Q@SI^(L+6H@3QT@6D\']V+2_<6I""I&-^'.K9JBQ<4P+9OWEY M:^:/Q31+UAH$K1C9I79(.;E_FC`DBWJYQ"D70;'ER+D)=P M"AB@TK(HU@"-6''. MF_*G=@'(LF<2!CP=011P='X[R!_8%PHW$JV\!-T:^>-J2+3*B%;,U-\6V&LB MT2HD6I$`P6U^O[8^FNWY`B=H4+7W=GP9DH=`)SL7[JY8GG`"U;K?+$H[.4*= M`YT%L//OE^HFH0PRUGQT;F!(*V/-$TB&S>O`E)9`4BM!.0Y@!^PVL-[+?XY7 M-PTKE9XBNZ21F7]KVRHD%=G_RVQ/)=<&,@3?!_V;EX/]L@T2D;`^`EPJ+RXQ MDJ3FC75KAXY_K?-H[`M7(W/G93+L^'*UU$0>U]%-?%%W'>9WY-JV*QS<%Z M]P-Z(K/5N0NT"?Y`L:7@VHVE@M>'EZ,,FW-^P\ M5@O5*1GD"_MU'*G%'(C>)%^Y!7%(3:Q9IO[;451]R-2'*[.;&^O'/*/,K`+A MR941/CYV__\8/-MSA+1T'N._E15$'@W"A;,Z`9_OS>]IL-R^71Q.G=D#\X@] M.#)Y#>!>(K/.&]`=4;3GP.4/'`7I-]_C%2;AE;=);<%K1:M_3&$=?D84;(7L MOC$Y*" M9ND?J\HERP+RJ,;1Y`BGYEM`C@WG]LA3XWV0>$9\%`7.0QQQGRCRR6>+57(N M$LM>G_JE,V8GO/>3Z6J\#I\#&C515EGAHM9BK,(KKZW%6757)HN@[&[.;XUZ MEON4]A1966%$IO&F2C3\'&R,X8&[^AF>?A/3(W8SO.(7JI&44/+IQXR^B*"W8?:*$^D'U:-:L!#[FQR'\ M'#[_Z4S5^9P%[.&EAX#\N%^->F^R@U8UFY<3[-C4=5?6E&UFF<7D_PY7EKW^ M=ZY*^!$GFP=D"Y)*^-^<:;3XB8SU_\I\+]B,IN21@_3+S8,?1?ZR[&IU4M@,`\,GI(4 MV.SVKF%"90WV7P/*.IVQW=RU%MOVV98*_FF>M)8/;`,:W"9_94SC4?>Q!1Q@[@I@IM/`4F559784=6; M0*8YWETYZ3!:)6J4=7\RT>U*\:.J:W1GVT%\WB\4Y1>I[?>P@V;6+90U]'1] MRPL/POY5[&BR2^(P-A$$1"`N`U%C6%AR3%P5&A8'A7X1BAV]1A[FH,+\X)>; M_V/;E,YF-QE@.XEHVM9#@V-&/<1UXMA$?#&&FF80C&6CV;9,G8 M[RHE:XRUWJ1<`#F/ZX=D*.I9Z.^:YC--)UY/8JT#Z8P#Y(N"NIO$^(M0.1LBU5Z/6F/0T4T=O73X'T)B,M-$(77/Y*'-^-#RGE3!P+Y#" M=_/`L6,WB@/TUF61$N'N#E(BCZU`5T@6`3@_NL7-0/UD,G542I6@O3?0)GW1 MN,6]0T66>:@9@W.19-Q.J#(Z9T7P/$#P>8`71D%LLV)P:$14$!W1+A:2"7LI$; M%$/<4TDB`.='F)#4A'1,4#JJV7"9L./"@P$U5`\0:V",<%>@!+'*6Q&AIP!I M%_!-VQIS]?V8?Z_VEN(K[\7".K2O?->)'!OV%&'\``MP0L?WKMA?7&KZ@P9& M(L%!,B(9D8QM)B-NEEI!1I1&/AJ/M/Z@W'%7>=SCYJR:43/$Q,V;9.HR[\&/ MS%T(3VX/C5KLK_#M(6]\+TXR^R"94S]^<&FK;5RI!E3CDN58$-$"]=.P9)X' M$J$0F@?:J%?YMY17QN5O"!X!5K5WW[4W))M M,.YINEZ[GE%_9]%8Z[SA666%=SS.4.\#.ZB!A7NA`XQ+I\3SO5O+MH,8*^Q6 MSM_B$P$0Q_LC4\?T=A&>MSX2G1<=ZH`WP$G8C?L/(Q)87TCAL%]RYRQER M&R\N"L!_65D!+/&DSR8LQ+MUT4_&>`5>0^A$(E'B?X:1X[J$NYVP8CP;;>8F MX*!DS1Q$?:6C_JA8VX&Y'7)K!-\^1VU!5X:H89FFJ);R+1*K`W3T(8]2?-R)<&1Z)%AFMIX(-K: M"+J\UE*<9\S2V2A=+37,6^F6_NHO*7G[9^Q$3YU6N'6,^GT3<=S`Z&S[@_8[ M8+6HYV&W=PUUC,:ZG#V2U<+QT-!&LO8750N3PBEC:H.Q:#6BF'\MT\CHG7-7 M:BH.T4JG^_6F,R@J]";\0=&-"1#M!_Y@3\ZB!VKAV-#Z9W4PXC$O'D?"]R=M MEWEC/-&,<<=#S,V/C(FN3?J2]M?L#AFVHYYQ3I-@(+HL[>XR739154LW$MU+ M$&DB'TVZZ!HB39`FJ+MR;.C[VK#D-5/<#50ZJH8RN$%H4BMA*7;H3&6+X1.JWRC9`F\HU0=U4S&FJ]@>A\?]Q;J$0LW&Y(N-WHW*D% MVSK$2QJ@FJ]X9$C:OZ5-.,X[$MU5`QW-LB/1:6E(B0.](_QR,^J=9#36>D/1 M_(LN?&7$Z@O/@447OOJ=%YX8Y*#QIVA!`UCE.L4^J6&%:K_BT4#O=L6&.D:F M\/(#Z"(>;(=&Y3IW((YW'&W-[.$M&P'<.-3.5[Y`O[JA47^D]0>B+SFA$UU> MXYQM;841[JQS;&5R[=$]EG2$A\WRC3`I0[X1TD2^$>HN`0Z-H>E#O'\KX:@: MRJ#KWZ16POCYFL9?>>,'RYN2E>\ZD6/#'B&,'P!:)W1\#_<+DH[0YLHW0M]4 MOA'21+X1ZJ[K1Z.)-C(P!4?"4364P?V"A/N%@P,%\) M[WE(]8$%YF&57N@`2](I\7SOUK+M(.YX1/?4B%XM,8=[N"?"FG5Q>> M*]P!I)G];M]<$22Z?:TW$'UU`OU6$:.A-KC4`F_C-T4!.!$K*X`EBNHUG\<# M/AF]%)BXO;*F4\>;;WQU<_7]F$>FG,<71H[K$N[HP?+$[6(`/R3T76?:GMVY M(-=$ZY=L;X-X%JC5^G730"U?J/FM.=)`S,C4)GJYW27JF].!V#YX175C53%_ MMOG1H#_2!GHY)5,0J5=0M;0;>R1*B0D#F#"@T/X5$P8P8:`-&,>$`4P8D!&K MF#`@8>`U5\)`72'5'4>LF"OZ8V0!'VS^E5U*.O[+CW%X.[>LU4^?K3!Z$]-W MCF=YMN/-OU";.H_L_?">_?<>0'K%"/CRW_^-D+_\Q^WM9^MI"6L.82T!^03D MA%=94Q;BS\A'/XCFUIR2)(3Y*W6GM_#8;6BY]/8VF6+[Y62>=WZ0F>73;#T' MGX+-``]\A??9$3A#T!@-#A__)+KT8`/)AH+_!0#\'!L;Z8%`!`IY]#GS8[DSA7\#& MS].%LXN&'Z@5TO#,JM=OOH,7^6MWWC1YZ4IBFQ.C/SZUUM-?;7*!Q6C9'XY/ M,G/1]7VAJSBP%_``8^#7_G()K/PU`ID_L[+M2Y]FR2O\C6OIUC-.LNB)+S:P MIF*D&O5Z5R\I\LF=_6?L!)2\HV#\+9?\ZB\3)4->6=X?Y]=V[Z=OIR^S=]FK M[$TA9-,GHZ-KO/AA"99:C)K&>'*<0Z];*LCLE/4V>Z3D+@QI=%*I;#ZS?2-Y MX$+H"BP'],:G8`I&,7@B;YQ'![S4::CETB6?9IL7 MQ.G&WFA\?$W'O];$@@K:L,GDN(W.NZ`,P]T]6H[+_-6-LT6^4CL.G,@Y;:`W MS+!Y.W5TMJ]>2;/!>#B\H!E/?UN.!1>D:7\TG%R_X(#.:,!R73GE-?+9"@A8 M=5[#8DK^9KDQZ!@*?UC`_NM@M>NW^9&_!Z_QMPX7:H#WL;N\7G9Y M[W][!^K_Q<[:3(/C$861OT, MB-F)JX?T"#M5`^G=AI?R0+M]N@QNF;^AG]8,^Y^H#_8V:S#WO_S*[R M.1.[]P`)O!G=/E`K<+PY2.K*#QUXPDGV)X?6-[,?SVS^WGOKJ5XE,ZTG>L_W M#-=:XMN>V3/W$%`*#@4P4\PINQT<<(9(Q/!('?C:A7:O&0C8^Y]F%6U?S?'$ M.+GV\U^68[D%`Q,\G'3=;F*YO@'MY_0Q^BJZ7<&!OCDTL\^=FF5E=04HU1[S3]+B]NEU-= MWYMG5P82?795S"!;G@T\\@'>%$2PX7@_PGGQB_4NI^`&UQR?YKY"RUE:$=L& M/B4E"D'=VLX*U$FP(?*YM7U,7H8]Y.?M"W?>]+7ENL`=E6UW>Y.^,3RY_M)0 MR8VB@F&K27]TV@\1C:(PM4;@DU#;]4/07E823UQ0=\J/!HZ>Q!V:AG25#K[/(N'YHVL:;,KT:)&14Z@C/$E'2G! MF@:;->5RCT2M:49#5J49K/V,'EW1YH%W]&KV&O8G^T#O3"\0L&+H-/4#[505 M8,5XU]0/R%P=Q@J=@QK]O(#1I&1R@[N0GJH0VGWT<]`_PF0=:/RVRSBP\,YQ:DCJDPK___I''___WR**2R4!?L*GX1/!E/DLRR25F_L>1;+_/8-9G MONOX7^FMBCV^=_= M3;Y@\N^[;)NV#\*1O&=2"PC[&NYT]B1SD/\C"W(!A!L'JKT2C'^AK#26%S&4 M?Z'PG[NQ*.*UUT6'K.W\4U;CB.6?WN@@W-!2VWFMM(JRG>90 M&9$MME4^OUW5(KDKMSL4(W>'J2JM<]?*1MI$NFN3>L2RJM!;622*"+T9AP?U MRIN&*4`E5E7(*&ZTXIR2!2C,EOJ M*Y7=[0GRE6J+;7EA%+"[L/"XK**^!;&,=!\D`"DEVV794(1L'\DS4IT)KXGA M7,.$MV9=EKR"P-,3A?#^8?JW2C:JO%HH;:.$I;@PGH/_Y(EWWZ7UO&I) MP=C]6.7`BSU,K!EXLY`G)">#_&L"_R=QR4OV:0$Y@,=9A09OP9$$; M9KW9K?V_PD3L"Y^\]]XC#:.DTLQ.WB19^ M',(SX?.?]FMW9D#<+ZUZL>#_Z:D.2HYNB]8S-!*;NF[:88F55>#_#E>6O?YW MN4*G:5G38;95:J:4OJAR^1L\.9[K>+1(.=5\O:?6=?+%E]6U*:L](+92_B*@ ME'P$$!8A>0N_3L]7NFW;^G\#%LB[_)W&#LB7E=)EN]B=6DC=8L[B2#C%HBDR M&%"BZE)?ZJ%2B'U+=M\16@6>__J-)E1Y\-UIY?1E[D8E78G6N!??JJ4:+`BL M>7\$"P:R1Y6(:98]\G=;RJ,##Y26O#V.,KNF4DQ2=5.-"_+2HA81AEFN*]*9 MEASB%7>+\%W=R.R7Z[9TAI*U&)_.$+=?LA%LY03J)C7&YYIJYFWG+:#SYHF^ M.+(;[R3FIV2WUP85DHJCV[J;SZKE0'1W5#MC*.^/R#YZ9AC/U20J4K`**;ZZ M'72AUH[*>4*L[%+Y($;CK4.[LS$K&^6XIC.I6EZ,5'NS:T9EPR#7D%IYOT0J MZO=[M3>X5LP)D8!^_9_I)JY'4D)*9_)5GD#UC MI'Y./GG;'G#D'>LBMML#[F1J;9V42:[",7YDA3&C)S:O[_$:[RSS-O-9F'&[ MTBT;KUD[3RXN<::_W+R'S]T.1JS325]AJK^A,\>#UU]1#T;L$8^G?++E-43: M_2SUW*1-UY(NA55*#>^F_XP3`A%M;+;JJI25+[R#$:LG^ MS^QQTPK[7T8_;W8(-2($Y* M+VK9"T!2*O+L+U:&@DE!!7N'@DY"07:=F7THXO<4V459C]W86R8W]BB[L4=V M+D<1AG/^(#,VXN_/PDL/`?GQ6#!>EANTXY,W:/-<@:2O0&[!&QJ!60R) M]<#8,"?'/6-9F1')<-,R)1E-,&D+%=W#NN&CO2C8W<%F69=P&AS M%Q3-@_N)Y:#+^SGQQZ3"Y>9N-J,V(RF[B$P<4*Z$J]$-5<.U+T>^+5C!`@_\ ME=3D.N':0I2Z2]T<'_1%W;-NE>0?J0]PY"2[P!UM]06](NB,B^Q7H\R<*D:0 M3TBNO)8ZQ/NZK;[.72._-B3S)\&I5L@5L$J"<90(K+W]7U!&0PNV=2-FNQM"W/XFQ^A/4'FJ=!38GW"JINA>(>V\.F MC+>1^"<:BW$4O^5U<-E=%:-QQ65$Y8T*CHZ/GO7[M=]L5GK=VF$V>37!?A;%N*7%S[T>6F[D.F-R= MKKV$,]JYUHX&Y?K\8+%IY4;&)5(K:.;P[$>N,ST\]>P,Y]<1OL8;Y4([KA\Q M"GBAO/8+Y6H9#[QBCE?,T6=LWG(J%+3`*^?HR:HDCPJ;80S9M7Q4MK\4AM]D M&YUO0J6FZE;HE`FOG&.^@Q1ZH/G1,Z,_Q'R'3K#),V-XB=1H=C#%#DT.>K#5 MCLSQA4!BURU.:[BD9V)I+',<(\\8><;(M8;XXX?KXDW;R&ZO.?'4?[1X,)^L>N1@:Z-C!Z:+PQ8H_'"[4]]VQ^]9)6L MSABAUO#$,W.`VR.,3TN)&[SMC=I*H!\]ON!(X]7NYHDD9F1.+I1:4]"FX>&, M7(=N>"S9&%++>ZRLK@-\7E-U5 M@V>9"T8)_!F[0*'I)T:XU_YR%=`%2_QXI.\YS>[9)^Z! M.5XQUGGY[_]&R%_^X_;V"UU93^R^0,CV*Q]\;WX;T6!)WM"'Z/8V>6S[Z?6S MGV;LR7MXD#T'LN(QMOM"9[_TL M+3?\Y>:V=_-RI+/_R:[P^&>JA;F_@;F?`^:^60+H.+`75DC)W3R@E#][!-KT MH>TS7RB[/+K]]]?-O8Y7?A#XW^CTSIMN__C!MSPZ?>.$MNN'<;`E^44JO3RF MO]:<_\,]9_W?@/6_,-;_02/\+QH):>#,4CG)"$YQC;CWA8M;*_&;=A\TW(@D M(CLV#>-G.`V'$(6I<&B;'9?9A_B4Y)N/"#*)'L M&7S-\>;)'"_(UV*P@+$#+#'E2*R(PY+8-0:,;84+%HN@H"BGS#2"E'C49IH5 M='FTX(]'@>6%%O_C"P(X6?J@&_R`^0A,YP:6"\SX2-WDXC<7-,>+_3@D#U;H MA,D[UA-YH/"I/V.'K0Y`7+%#B"E`,YTZ;&Z8)C,CO`J/P80,@IGE!,QDQ92' ME>`O?,WN$\/*EC0[J%FY=#IG:PZSTR:XRF)GBS:&J*7E>)'%$PCY^AFU0FM& M_Z!TQ3YFS=FC+\YPHD"F/A3N_/M?,>*1VO4D<+5@]&,(8HA@5`Z`*6)`ZM** M&-:?&'&.H]9)Z/C:]WC,G#/C*\NU/)N2KPM*&?:Y=&Q*U6P1U-,UPK0TEY4W MP*M[/QO\YSYQ@.8!^'1>E+`R9QR@O/^-P]OK?Y3RSU!$;9P.BF7W`R;A0K?O(]L,P*%2S:G!MS:K! M2-%*/%\V>N5U1J]\S.@5)LVG?9!3V]U.,9L,,.1B^/,!!<-4E(D_/=+`8T\Q M2U4J*K_&@)@COOHQ\/L*'+M2*QD@ZC.?W\-*/-R055:7J-$.(Q&G8U) M7HQ!7EW+L5<+2<5G&6?K-I++U>HJB/#E=3QJJ#*HJEB^WNR'*\D^4MUF]'3R MQGJJ%C=BTD(:P%JJ^U*__[BZPL>O+>?BE2!2DD+` MUW?M)J@>0Z9H*M]0,PQ3T_4+A3B%TJ,6CUU1>E0WNJV1PK7L.Y#"#5(8=>I! MFK*FC_2:-:FB5%!2ND1(8<4IJ8IN0).;0;85!#RO99/ODDE?29-:JA*M[`40 MQ66K'5[C,8*@VRB;.A-.8O0;6T]B5*NU.XY(AM.CL6:,+UFR_+'%]NS]VC<*Q'M@]D"=V)\.?>[R]'BO1=#2K'H\F)8!! M&<%'OZD*OVF@CNJ*!E[ MA.RD%`QJWA)4]$H@L`#&_Y-2=_2EWIP_M[M2%"I#.O'D1LE66A:W@"3:5"IE"^.W@8 M+L9PL6RT:,\U0+SS)_*@MA83J<"AK*%KO>&E4UDY;_,I@6E#TXU!S>@5OP7` M^SS59CVC-CK,<)[TU;P:AW)3L:2ID16)U]^DE!\%':CJ+K8I@>K*/:CJ;I4I M@5\953RJ)L6\J8[CW.AK/;.'=\*4@@'#U1BNEHT6;;D3AA?`9.,LE'+%+X`I MX0AM1P-MH@_S>T3%&AM6U_LNTX4O[6U%K8"E5A_IP)<\\#;]/=-9\0V=.;9S MI'.@8?:,2ST.)P/#W&L8>.E#E0*=IS'CN#^J@KA("\R>/MA'=.T0]S;M5PA00X1KH?_>7NI[WTVPS:V92F#*=,9EPMWNK>JT\\[63 MNS]L6`=^W\RE-NOIR'[<$"#8XHKU2/1\[]9*21`F)-AKIT>.=M';9!QK,&.X M8HT?'ZG[]((P4!Z2_GQ)7\1M9[V')\);\++ICP%$GO'>>WXE_)TZU0\11+MZ@!(.LW<+QN3 M$Y="J@*/%P\1?/2#:&[-+^69Y@K&U&K5%`B_J#@:F1,!G-"`&LK'FN)E&/GP MY&@X&E:60M91=?VKOZ3D[9^Q$SVAPFZ>P]49#?/U8D6UCMQ:8F0,3"%)-ZCK M,Z/7_G))`Q;F1E7?/(LW->IK_;Z!NAMU=_G10-,-$05?43MG1G?SP+%C-XH# MU,^J"TB](Q%)]ZC-D5F%,!SZYB5]9YMZF1 MH>D]5-2HJ"L;C?(GV7;3NTYTLI6)E:-6;K]8B!YAS`1UN#0,5YVOG5[WVEQ' M,5??MWRG@++_RN]6L`M[*]]U(L=FU_OB!X#6"1W?$Z;YI;I=A<(FJZ!69!G. M2FGM!;/1>L@W$AYQ5^7:J\+U892W%8K?%3D_&FH]HY7WDG+SIUIZ7GIF'&J# MR3F&*ED5Z9HR(<=KF%A.0/[&2DMKY"X,:11R__I#6G?-`?)^I!:KGC1EA36^ ML.)*`2MP\!3_$O)=^Z\:>8KZX]\\C:?X%]0O=))5B#^&8>1,WL2 M6R;OL$9*N"Y.PFND6%NBNAFB!G3E!U%"5/88.Z5FCA^KW02TY95.R-<%I1&Q M^$3`)C/&*VD9D\69.;"<9&Z8&'#B!#1Z8O!NEPZXHV&4P@(+<+Q5 MS)8,ZX9%A4`ZF,:V&#[]?2"7"=NR:F0O]J6WE85=QE<5=LFYZ3![G2A;4H'' MFQ?!U91Z6N1K*%JMV]4*6&3#SU;\)0%(.@3EJJ3>803)!D\. MCBYD&B)_I:)=.!:*W!9$)]:CY;@\2,!Z*+!BZO+4*)2-H]"&H`U!&](E>(K: MD/RY6>IO.(J?@/%N\W?%NLU+RGRY\BQK"7AV^DRUU5FZM01D6LX^QK"O&7JK M+^34$OEM.9N@-E('(%2/=:I'DW2H(:I MC?1S91J5)PQZ>1*/6JD2I`.H[3H*@WVY1^O>R;MH-.Y#9NOI: M"QT^#$#(LU/K/(HP`*$<0!B`J-9#=;PP)*<="QD+FT=8VQ:KF\5B8B-JLLN%3C1+><7 M8Z!KXW']G?MJY@OQ>_&6\T4G]8UL\*#^DT#_8093$08>M:I^/QY6 M-0\/'E;A856[X,&[3-5ZGUBK7SX/JWF?OWO[A?;XYX8^T/3>L,54P-B`+",U M95TV>+JD>S`ZD'N$]?6EX^_F-6[WM'6+M&-/FPS&+28".F:RC-04==G@Z9#J MP2!:SE'[JN'CP4WS\.#!#1[O&54M0^*=?"E=;>:WP!T;_/0'F?=G&@C M$^,$*,(HZFK`TR'5@W&"G*-KJM9+P-D2A`-:CX5\F_[VHR'7UK[U:)``!-RS M5^T/JELZON4U0NH8&=IPHJM%]=8YN,UON>0-JCC2]9 MQ%SUWM?CO_P8A[=SRUK]]-5>T&GLTD^S=Y83_,UR8WH7AC0*[[SI!\=Z<%R^ M(__(:V+0Z2?O"]NE!XXW?V6%3GC/OG0/`+]BRWGY[_]&R%_^X_9V/2N[JOD; MC<@KZM&9$Y'7?AB%Y._\+<)>(_R]_[V]35X]A`K>3E_F[^Y^C]A`$/C'%SK[ MY<8V=6.@&[H1^7PTZ>DW+X]1=$W`'^XY!7\#"GYA%/Q!(_PO&@EIX,Q24C1;',TPZ_L^<_48Q>5R&?7\GB15_;':!%0?G^6>"!:9`E`+T)"`9`I M^4I745HY7N>5XP?\059"7B,!#5?4CIQ'ZCZ19XX',_EQ"+^'SP\*Q[:PN\#H MJNX"HA1@KB@`;#=AV0"$>7%/J42=[WO.LA\33GW+./6\A2RP_KX*Z_^-"6K. MY1_2,1'6^1X\6-S+XID"(J!`ZE0G\)@O5R1CV%Y5@I8%+?,^>%AA':5"5. MA(R<*].UW=II%IR2@41QX MQ/?(BIV36?P,%%53\XR['3TS^[WG:$=_?F9,1B+Q@*QY/6L.>D)9$VUDG;2; MZ.=HU]$M)DO;L99^$#G_XN74>`[(E,YH$%RZDY.+U:4Z$T'IV!T-\[73$T-A M5>UP[CUN#\5%=7$Q^B*VP,T==W:/8H*VS24N^+9_U_S;J:33JF2D#S(R]>,' M]]A52%4UG:3',4,11\*YJ:B6\:^%9,^$;"51CNIT#WJ5N0?'2*:6?R`!?:X2 M1\/(&1XH=^_F[`V7HS=J[FP[7L:NQ>+6GZ(%#,W<1:6-T^JE5@9DOB< M)/8.29R$)`]/V^L[_.H.NZ-C?;_V6H[XBSCPTD-`?CS&RW@5)Y,UWN_GR1K? M)/CWKMT:]L:*I@@GMWO9;,M+YRZS]4E+Z_>P&%V?\%=)U;H(W.:`WI MU_+,Y8:3Q;P?+6:[EV>"-\IOD_QV# M/YK#3I@^N_0 M"6C>TF+=,T`RB4?^348;K=+=TH]9.:NMT8$-^`R^?!A6 M+\7$UY^+'5BJ$A%`<5#46`L[A_R?!*++CE9Q!7'&*;O:][H4PD'?K-VC9^-! M-;$_=-ZJ'/6JJ3:$/IUX`1ODS1$IY]ZEA^@;F@(UCQDPA0PD2R%EA619(D22 M2GHF;P*-GB)R(--HV+M0>P=MGH1\@S9/;IH-,;:>Z[RT4')30;[.I@2WV8JU M\%2UI^E#@68I)R]^7"MO#FI4.C&9VOOB4VTJ37GLT:`\H6@ MZP0H5S2Z1H#$!::EXS/,(T^Z(`A*(U=+R6!B.2:62[8>3"S'Q'),+!>;6'Y- M72GUPB1OJ)W:;H/;[G+1/PR"*#7J:?KD0DVD#B8+EHMQ],PAII;7)S*CL]&[ M;J?Q87)Y"\YWY!R9@PL%]#MH+V0:87)YH\0Y+QY=/I3%U/(NI99WQ-$JKB`P MN;P-:K[YT3-SW,=,OU5K[$T=I,IS2/A=K^A.MCGDJ"Z4@=[H`(Q]W.3TS2',[I#+OAW$I$WR;S* M@*]K?'\K,56? M&9JAGRU'U%Q&EL1HRP2;`7_G*I]W.9]*SAQ?M30UCO2?!T/AYEHMQ2[32,[L MW792XCSC=_M43)UDW8$,:;**)^MVPE\JKB`D3=5%%TOFT3/XCZ(Y3-UFB8F2 M:4UMHMDS`VLWMZEV,QHJU49]O>Z:OVBZT'2UBF9]XUP]%8$;L%V25&"LQ-/D M1*[M,31>=9)X3=*E6D:KE4>-0[W^K&NUS%"YLTA]8BJ:6"LQ7KNWDA)6QDZ5U"Z3H"P,C2F43=7!EK,.9MTE,:\:OGS M63&O&O.J90`<\ZJQ*+.`HLS":_5BN$.:T3-#'XO.%>Y$7,,P1IAC71QM%^Y9 M=SL!#K.K53MX:6K4T_1>N7AU:]2V3"/,H*Z3N;N<4(HYTEW*D>Z(WU-<16"6 MM(1Z6_;1LYXI\BP:4\VJ&)D"TS`PKZRK(%@FSF"4XOY!]A%G,F,6L$%ZWHP)9S&KE96+^KT0` M593_N\F]-2^E`@W$B[1P1^.9]9RL#QD3,E4_K@P,^1 M3^`7\MKWN&O+3Q[6?LK7!:71>8V)K)B3%4]?W#@V_LN/<7@[MZS53U_M!9W& M+OTTN]N>#?$<@]?9N,1['I;XX(?A/?O./;#%*\8T+__]WPCYRW_4QNUKC_X9XC_S=`_A>&_!\TPO^B MD9`&SBRE5(9TQ25Q[PN'4G8BZ7#!LH!=U_\&J"#)-9F0@@#-_"!:XK`:R=SLNVA=CK$0. M[D$)_/-VHL#ZEQ^68"]C_P)W#!DFU0KC`%_U:QR]79,*_:+=_^T]3&@Y&FGZV++R>N*D9, M3^L-QS4CIAY570&R)IHQ'"(7'4/,1)]<0(R,9R"YXA=2A56[#<]6P2OE+W93_GMLY1?A63Q?[B71&&QCS2P MYG2S?6`"&1(_CL+(\M@2Q>U$.])#^F@&FZ8;AC8@/-O!0K MPOW(14R>8LR)9NKG>I-W<0-SF2?'VF14(L.K_6[>D3/\6_+`?#_E>*S^@(+^ M8G(A]BLAFBK&B?'"N-`T%94_C]R]N-1WH'N\TWMA#C$$U:J=IVSPM&D9_,5A%ZW!( M+I!,HU#QF?XEO7<*F'5?824ZSQ[6IMEM+'S>3(A#EA+52RXT8<[KY3>3>U"0 M_>LJNW+!^VFD?D(!)`Q5X-O+I33RKWC+1ETFNQ(]XXO4R)!9)S6=DW4:!-5+ MR:P/`DJ%]@3A?WP]_I5P'F3`M7&-O"&S2\'L2I1GRH%KU`Z7"5JCXY"S8N95?D3+ M:]GR(ZBP%-NVO9#K1ROX@T;D<^#8U33)5$G!5<\G2J"A+IY0UMM!?=(X[R@A M2-7SB1+N5$Z>J"0+4=!14:59B)^VN>X:>:#PDI=FT'HC=5^PA4KA$F<.)@)##RIL*P;FBW&)_4#[`_?ODJN7N">H M62D],WJ3YV@=)+`.QHO^!*V#(*X>">1I%5#9&[TP1'0E10\%WE>4#@;6M[=P]]R)-/G8D*9LK=5XEO1(Q'11*GR0[M,3`F) MWFV#CQJA5,^#6`_4ZZO4N:RD9]+H*FQ!!3'M) MPU_=F$!\CX!-]X+?O8`"?O]%I\3UPQ"PSXOF6T[`&"#F70T<7MAH";@+3_;YY+W?OM3=]@3APO^6-"=@A+.\IX1IQJ8Q^CDD\P`P1>(<%#@U0X8R M('?1XLADT<**".O[<17:[\P`I@_<2!SS@! MG6K$FL\#.K=8LX2'I\RWB`U_F_O!$X?4I=X'?:P]>U+$:)_\V#S_:'64B_+?R09JGPS0IA MJ2%'*/L(A5]L/XQXH_/PQ;XX9[BM$/"0S2'#'?>\(I# MF*EJ89P/&]&Z_T9=T!(??=;#H2Z\*=LI80=;Q`_(7T&/PD>0X2XASH\L-V\` M.H.ZBJM_;YI5;+S+VJOM2P&#?@4,JA<)^ROS"\\+L/S85U6AM@+YK65]U,J= M9(MWL`\K)9.J+WP;5>GD\J^ENZI&",F.XE[8!N9)A"F(@;R[YURV27;X5$@C MK(#G_L;"FZ6DK>V8^<`CZ(B:)IA&56;8"O8%D6.SY+/X@26BA>P99'ECI!D]%'WPIO0^&AD)KE?TM5%?X&9">:>K M,?,S,%`>F&2.?#4:_]@*71@Q/B;ST39*?FU=M`ZTT$ ME@9$0E2^X4&*U#0R-4-D.!<],`SP7D&'D3888F.+GY^=+RF,T:!C2/OH!]'< MFM/;!\O^@TZSM_DF^L#4:"(P%XL:H],9(1UD!Q3G` MK"M0G/VSBK.JC5&[RU6\_3-VHJ?=_1*9.9[EV8[EPC]"<%]B4<%LJ9)YQ7/H M8%)C2615D21(I[<<2\W;7M&C&BOPH[_51JJJ*LIH%:ZW"M4%I/+6M%34O\LK MQ[PDDMA[-%CVMO2H-](&NHBS,*3!%;&'L9`\421!Z9$QU@PA<;C.M+:HYSX: M"D;#5!D,M.$`[8-TDI&1$7,X%A&ME+BP6)M@4.-8OA,P8)9&\UD:]9YY5+H! M/B@4?]YJYD!.P=45+J9\CN<:`\_()98R8T^-Q$DLF:*P2VB.M-[81'R*"\'( MF/^A+#K[/6W8%\B>'6KS=)0[^Q/D3G'H'!F:;E[PSA"?PIAWJ#=TX*::OQ0% MU`KC`#VFFCBSCI&(K`6D(%*KK=3J:^.^P#OS:CF*38V>3O5 M"P(&\I0O?M=V_NYI@XE\I0S:CO6,!C'.UE!`]%L"M@G%93S$,C5RNA6\5*,@8;?Y>*!?Z`Z/%*G=@EA<$6'`M'U,VZ]3YQ37XU57 M7ZRW`$/;;?)`TTT1>U^D2HV>4G77?I%B)4>F9IHB\A=JK:S4=J(\ZPGI;X&2 M(C;*9`Y$'$\B5>H4I+/]8&LM^5E=32@I'&GU"T`I>U.C-]0&^A@17N.]PIZ* M%6R4Q?=PI.F&42/"U7)3Q?/W:&PB?U>#;T/O:0.CLBU7Q[%;@M?HV7@+)-U.2N>5X(4_==N$7&FI\/+.<@+%-3-DDSN:+&?_L]C;YWB'`=X^6XS+( MWOG!5\NE7S?O?*&V[]F.Z_!DH%WH`4"/D?8+G?UR8YNZ,=`-W8A\/IKT])N7 MQ]AOS6T_W'-V^PW8[0MCMQ\TPO^B`<2!,TMY,\.LQ1EZ[PN'O'J<,>\7M$(J M$"LB7^DJ2DO,Z+S$S("_?5!XAGRC`<`2PK).1Z*%'X?P>/C\IWVF MS&`FWU+92P\!^?$8AV5"MCK-?CX5>)%6:W[5[;+J10SJFJD#WS7AZ@Y M@IJ_L?UO1=I:;6V\B;/.D:$91D\TL6IQ M1CI#K&?FI70_I%!I]A_V-4,_IZVN[*1R:,[:9T&%EHOJGFD5/9H,M-[H0BIJ M!PVP.B-3F_0OE/?JH,:7:?3,&%PJIHD4JG@T&6O&\%R$.O_&M\.VNT09'[30 M5WN=IC;L"]]UH8669&3HN*-6C;;/>I=*>B+1JA8;\T*A)MR*7Z13X[54MJP5RYW"=UK^4>]2U5- MT5.3;O2L?ZGP*1*MXA%HQ?'DW,7"*]WK2YEJ77`%WOX9.]'3KM=-9HYG>;9C MN?"/$#R`N'R,K0B.T4DHO@/5>I>NW@HG#/H5LHSZ_0M%,L33'DU8U7['Q0[? M2%0)B6IHHT&)2&#^N,3%X@AM\U:2^DO6N9QR<7)R"I$MJ[%E+E868\!6TB\FY<3FHJ;U<:H^8SKJN#7OG>IQ= M&7D0=B)29Q4//"C#@S*)HF>5.I\'M8KJ.(D6$"NKGNE$Q(VDAK)&`:X42LES M3UI^$UD*695#%N60M79GE>`=9(7J?!H#71OW+S1X;"K=0SILR30:]LH=N%2^ MYVX]U9X-]9+G(HC[(]IG7.(:4B<\QY.V+@JH%<8!6KMZH]9]2:\%MPG--+ MK0!1FS=M;V6][JL^A0Q]H.F]M:)-@F!H M1J^<:6^\1$6;R%#':%`R8-EXZ0(D=-E1N2P=)'B-ZG=X-OI<10VM.LM25.I[ MM+8&A70YRSW=T/H#@:6L:BTX(1TZ:[;[VK!D`?GFJQ6TGG3/)L90U5(2BA&G MIP\UXVPCI(RU_3%B)F7SK^SSZ?@O/\;A[=RR5C]]M1=T&KOTTVQSL_6='WP% M2_1U8XB^4-N'[:_K\&2,>_;,/2S[%4/*RW__-T+^\A^WM^N)6/+C%[J*`WMA MA93P["@&OV)I18QV3XP8P988UA:7CD/TU.WP`Q]B*Z)2\LES+LRGYNJ`4'K%X(NM7NHIXP8(L,_+*!0.>WKJN9Y#Y M.2UL0)R0K`(:LD;9T_4'9[[K^M\8O)Q)PQ>G6'0/7_NB>-$]/CW5@5^W=48Y M@]K4=5?6=`I`_G*CW_!_ARO+7O^[G,))U==8SZBOG2[>%3=''DK0H%D"&`9Y M0("="A`<8!B<[/VVGD5,/$G=LK.GF*6JI2C6FO]L@HP\/N*1'X=.3PG14#O,/_]-:#@ M6`6@*JU:$JE.$N%R!M,I)9W"Q;!QL[6+YK5VL5<+285'[3;.,%G[P.?)NH.] M>BH["5#[.3^AK%@RC\;Q8C^NY@A7=9O1T\D;ZZE:W.CJXN:63&I`D*JR!;B9 M(FXN12?XZ4^)+=-Q:]P[:5O6UK:67:AP:WLTC%A+C;TK'*GJ8:@Q$;P2K[Y- MM"CH6)]-P2OJ:JOM2@LL\U=GI"2%@*_OVDT0]B0X,QIJAF%JNG[A?J-0>F"5 M>@D3O812N)9]!U*X00JC3MT?@18=Z35K4D6IH*1TB9#"O+F:W=J`)DF:MA4$ M3^PD%-88\_P66+C+`OOPX\JETSF]<+A47K2R.5&*RU8[O,9C!$&W439U)IS$ MZ#>VGL2H5FMW')$,IT=CS1A?LF177^]M49Z3##!<<^C>IJ@XGE#(0XO2)Q2X M]X/MG>M8#X[+,EX#:OMS#\"=`BC!\:QZ/)J4``9E!!_]IBK\I@$KB5+.;ZJH MQZ[,'HL,,*#7A,I3-EJ(\YK:+[\RP"#J6E=%R=@C9">E8%#SEJ"B5P*1VU7@ M]EJN:'7L/B!>_FL+9ZEZTZ]PN$^6FW^5QO[6-2W(NI1%K@,PO.77G/PI=:4/ M[^_5A@B5+NOAS;QZ$+%5EH6NX0DTE0J90OGNX&&X&,/%LM&B/=<`\RAJ[UAI=.9>6\S:<$I@U--P8UHU?\%@#O\U2;]8S:Z###>=)7\VH< MRDW%DJ9&5B1>?Y-2?A1TH*J[V*8$JBOWH*J[5:8$?F54\:B:%/.F.HYSHZ_U MS![>"5,*!@Q78[A:-EJTY4X87@"3C;-0RA6_`*:$([0=#;2)/LSO$97KC'6L M&=6V[]6V4_17WYV2&-8<9-M>17ZF'Y9&_AKX87C+3\+NDI.PS`Q__\CSSO[W MEJ=NDC239_OG_7Y9FS?9IW]G7]Y^^-[??I9_]*!_5M\P>\8_[L*01IT,?HCMOFK35WL++ M)_C]ZU]]EI'+OL9Q`3^PY[>/)1/>`%*=!.S?==V\(5-J.TO+#5D[II<&:_^E MZQG"%<+*E83,YAAER'>!O%+2L:??^Y/FZ-@4!2_1ZCB%Q5*0]Z]#"I:E8!W* M4A")]I6EG!BM`'7G%SHVQF9S2KP)==T-T:P`\@7[/[,G+2=E[(HH8%79I MJD&C8NHCO3EZMH!>B%ZA7G)!]$[Z#:*W#M>UHLV'G.9L<]EYYR8IV=X^4D`W M<+!!9V^!SH/QH6%([*"UF2XUV]N&":UPW$OF,)5,?FE%AKANO[11R]Z8PA-( MO'*&R-![P[&\@E2%>>E&J*``2RL97I?(QC4Q.Z2O73Q+I) M6)H(9:+L@Y%94NP;7UV.T.]@H@^O7=W""NCM`_R)&9[EBGJA%3F^1^Z"P/+F M_$WR`-*4>>ZS]<3_?/?-"J8:27B3O/?"*(@3E'R*%FO7^M.*31.8,:OD6__<5I,V;=?L4]G(N\E$!V20!_I1N3S$1=U-BD33"Y^6_@Y^,=DS3@C:S4M"BF=C]*&6$KW M!I,Q$EM.8@\VQ!X((G9_,D1BRTKLD5AB-ZG#^9\!U\^``E-V)S$(R0JH%+*O M/)>/&O_#Z^K3Z1VXJ=:<\A_?6!%]9SG!W_CE2N'DZC5/KHNK[A`]KS:L._0T MP>5_M#!S*JO]"EEM'Z/*;??.\1$$CAC=]BACD9 M&&8#5`+2J?COM9[2<#(RZN""O>4@E7-261^*\(='QGB$5):6R@-!5-:-6N(9 M2.525.Z)T=@C8U2+W48JEY1E(1&,X7@T02I+2V5!$6BPR[7LJ_)0V/U_I[:8%'P6ANO5>'R@[6VY=ZO5>'D@Z20O;S$R5;\-7[\H,% MFY.R"ZY-3Z\W\23=Q2=G#H3MXPG;R!.^DY=*CY>)H)5RRO?C+/WQ"[->KUSR M$$LWF*>08#9)Z.,4_)C>(!\Y@U17B1>21BGI*QI"/'`\,>,D_'F$?0 M^2_S>>J-7B#S-,\\X@XFA_4>2F'4 M$E\KLFQDIEJ826R2&M-+QHM^+48-F:EIK-:0?8/,U%EF$IYNB69NAYG@?:F2 MWS=@U7>SI99DGX-U(C5Z<]0:*7([K@2TU(=/F)+OR":L/*_6\\ M9B)QJGT"H$378?KZBUXM_EG!E7>'I,+W;_W!BWHRMY"DK;J$B.1LU7VULN1, MLTK]64+!D%B/EN.R+B"\B\^`W,71P@]8Q\3ZO:K-IZMRIPQ=SW%[X`K`MZ1A M("U\=TJ#\(>U2-U%`/!#S/O9L9I[G^%E+SK`9N;5],6B90-O>[Q>Z$3?NPYS M,'--\%XJ!)C`JP_V*QV>AO<]3T[BG!Q9WXD=T*D3';2NN;>^O^:_O+:"X`GV M#HQV=TL_/N6Q7RK!.ME%Z)GY-Y#>!]0*X^")A&PUVGI+D]V^[$.=OL&7GXIE M#HSN,[LY&9K9*,R1:2L&\@A*#S1HKV\,!P6!_)H`F9QWGX/KS.V#"]PX-GN[ M=2D/YQ4.5SZI-G0S/V"\W>B4L)*JA.O+V&856[UY2,!,O',\R[/A7_";39U' M)NEXV[>ZLG[S-G)DI^81L/C[=)1_LYN6Q;JCK MYJ<_W//NI[_1;^0+ZW[Z@T;X7X!GP3C.TE:IF=ZIV?ZJ;/C!!R]FZ4^=F6-S M=1\RQR8BP&H,LM`!;0,HNW_S)>1WY%S*#."4KP^>I,1S/`H3>-$B)-2;,NM( M5Q&W/J2G:X2M@U?!9JQ&OL%LQ`H!+-?UOX%(K0-4(%I@->(0G@R?_[3?VC2S M_/W&K9>ZM)Z9ZJ#W\K8M-*>Y35UW94VGL%0FG?S?XA4AJ5FL:[.Y^DY"WW6FF^^90T5)OO7UF08.+/M2 M[W.!..LIBK//L''*&@OR*8[""'0VJ,0SBE;Z=6UE!>PTH^&4;%WJVKC"4)4K M_#"Z_9AE"Y5Y(]IL"2U84E5>X.RT`6-QV4!*9R#PJINNE&.NZ"MNR+'UWC0!QYPE2CB MH4Z1"/I"+9>`'+.K=ZYO>>%!_'97$.K<4YAY]A1U`M27#2!#-H"D(YDN&T"7 M2;:CC,C#W/9=/_CEYO_8-J6SV4U!N--#D(V-`NMT9->NE,[*'!#E''WT@VAN MS>F%*'&*00[!M1'!>GQW#FK#R)5S9-1(ZEI"%DAJU=FDEEU`E6SRG\W3*^]H M5"=AE5?U"A$V([J3&DE<2YRF@R2N54Z55\#2D_.L3)[8V'Q;.!$MNJU1>P=S M[T>66Q7C]X'QISRML4462NU194KN&*UQ-Z+LJ%8^4=X:2FH#ZW5S6JGM%:)L M'?N18S3D;)!5U<+/[D!_Y;9'-OZZZM@(O/03DQSHGPULPPF_!B)%(>:Z\ M]"M*>U#URHN8W5&+[[[>4G,:@AQ*H%LF:ECOQ._Q6$O&\9,F;I-ZNC'05-$[S MO*J,.CI&8A7\@.9)TM2H,@=??6F7P$BAD'>3LA6Z_2B7[9=&%;8`4M$S]V;@ M;*8X]Z`7-&V-P-LK\/SK54!#WG:*)>L&Z^0O9]OQQ?&2H[*D<0/OL)"D-<)C M5IBT;D@;-E#+7@"!;WF_!M84E/6%6L%_`];0AGW`C@/6U08^M/*#B+V3/!5J M!+8O\/8#!0J1_[:\V`J>B+'?X.'9MA_$^LWG_-?_CMUCC_?VGM7@R^&*VI'S M2-TGC3_)UQ7&#R'],P;88)XIG5FQN]N)(J2'0%?77\+%W'J!1W";G-3^I7UP M7\R=I9IRZ^\7`=U-KC^OR-N*AX,[!A5E.C3#M*<3J=>)TJI6:"W4_*0)E-2] M_G,W89`EI$")3"RAC"Y3H;)1I7>DSCAQTJ\BY_VNCM*X%3U4DE4U9-+%$(TIFA,%1/:MAK3B0I*N`J9;86`*G%3K:4F5,1=IUHZ MK';J^I-T73`0(`2H;0!-)(-'KE8S:BKUX@D%C5P94[X8I(JC.E/[E2>P!*D^ M*E,.Y1"IB4+7'76IX@@)C*+90&2UC6*H7E.D3LI-?USW35(U=]'\R3H.*HUCLORE-8*IVF(.E0$I&<*'9=TI@JCI#"*)PY2(<;Y#PC M!9MT=5)R+PD_?. M\2R/W<']0FWJ/+))PWOVWWM`VRN&U)?__F^$_.4_;F__ARLV=M'ZD0;6G!+; M7RY]CX0+*P#2^9F.,L^<]9^?W]XF$ZR!6<]RETR2).5]FGWE3V>ZE;RR0L?F M[7P`D"]T]LN-S2X@Z89N1#X?37KZ#8D])_GU=UTW;L@4]LQ+RPW9C>*7/;TW MGHQZ6T04^K94ZQ[HHW3=@SSK-HSA>-2&=?V+J MYK7KWN;'IBN-0UY\@:U_%4=)/Z%;4+ENS+!3?.UODC>65Y M?Y"O$3@!Y+,5,+\PINNUVO^:A3^EK[`WV`OL>?XX//TW]O`1RAZLIY==S_O? MWMV\--AJ#>^DY>!W3J1.'MMGM8YL_DM14$3S,_ M^&8%4_+WC_RB\__N+&\[:S(IO)Q.>8EE_[%Y-/N5N^].^(\M,,D#R8=W<6+N MT7B@ZQN)(^SF4YHL&R-#:VW\E,R=NQ"&>-EY]' M_R]=[NSWRJ=WZ0X8%/L]F;!SKG@S.CH'C".("M)27O+"<@B3EXXX2VZ\,/])8S/S-^=TL_!N$[ M*F1L4CXGFW(S(YN0S[>=[I"ZC*;_V#SYZNDCM=B#C'#,[0VYP*V!^,*+:8') MY+`T4RY@2^-PP_TD;KD_7O1R$OT5`9YF^&O#C!(8"^> M^*_O??`2PKY#V8N?-6'J(J9[0!?M3#;:-1K`[,=2*KJS+9&E'QBV>L* MIJ[F*4DQ)1V>##D-8^:OC:CZMV$$RX_HI]GF267T?'6XR^>3"<5=,PZ9=(H_ MKYA>R6IOP+,)V2[[FQ,MB!\M8-/&]S(E66T]W__`=)_8;'S+(26K#2;##*?E M!KPTZLYRFD"\5<-IRN.I)HFL'4^G7+$&,97/%1OVAX,ZY2_7CK)J_25V1PDJ M3&]`A:T+? MLPI:-(S(-I6L)-+6,VTGDM+G[PW[_2W"<@%=`EGGM5DY5-5L(BM&3:5,5(UC M7R_KR(6A8K%5E<2J9@>A*M3D<@L$*9X:7(+>8#A45-9J/O%12$_7%("IAWYK..P+G<>N%?G!4YJE>05[;>?B4\FJS(W)N)=-_KL$ M=%% M(Y?L>66,(S;AH%*NJ0!'M3L\JEGPFG8:-:%%)A->F;W*FWEOV780\SM>Z:8C MV&XZ6$+^RGIBXZ*9^'?)M(>^_)TW_9Q,*3HS/\PYFO,M,R.X- MI--=O"%S.%FXI7)XY%?.8BF0R>,[S^0[_M@Y_,B_&HGQNG>/M!F\]L:MP^O^ M];9&\`K>3>L0NW?QM2'$]J[$:\8`)]:.?*6NFUST#:/P]FZU"BR'72Y^[;M@ MTOBM6_Y\N,7II@I!>HUW^PL_C053M6V?X_,,U:/DV+.[*2"O&1R7;L1E3?M= M&-+HM6N%"88Y"*R!SUL.`,\23;[^CR^6-Z?\H;U[R.GO;$(KN;5H+SSGSSAY M>(.3+4H2C!PCV3!+,A-"D=65*XJB(' MORP)!.D+)$@N?+]?KF`:EJG-FDEEZ&!]KYL.:U`X)(<$2`"JF`"&0/R?0NV5 MBJPL(?;-;UE"U*2@^IP5."Y4(]$W*=4UO_YD(*@1"Y MJY!,($1O\]HI$!>))DPR1"LH%03D5]_E!>F2(Y,&`B$I`,DAAQ*1D)>?]8_' M<;ZSEOQ(KVUK=Q[74NWM7GXVQF*Q7)OU%<71-9A?X:QBX:=S!N^"@N":7B$8. M$AKZ0.]E;D=*3LKJ"'?NDH9PK$_&1C876B:D'PI+LV207'[DIZ2JA#30EIVV M94J8,J3@.6^D%AJ*ND"&-&QJ"Z">\_?VS]B)GDC(0($W*>\O-$N:H`+&'2^, MG"B.!%JNY(M?-Q]\O^ZY:KGO,U]KH]DR1H/1EH#E$2&0>L5UGDST:TCA24&Y MPKZ_3(2KV?&7BG!%'46!=%/-2S1XH639J5<7L3J&Z285G&J10:D(UZ`=ZICW M5OP,1"894==[^_W%UQ"/66DNVK$%W(T&D%]8UY&9:@O&M#6M1]\5.$ADC0":U3`9Y;PJNOF^]_ M77_^;?KU-FL<40BID,I%_25Y:=R02Z4`C8ON`RNCL:I;175H+(.V5G57JA"5 M6T#DFKTKLS>>9**4"M!:&LHB6>040=5"(>9D9(Z5HK4TE%69+*_]8.4'_$9Z M)KE<4&A@,WDF$;N-YLLP1WHF[R7GLJ^A@?PD:&@S4"7NZT)U2UBU>,2[+`95 MC4`IR*SUAKU[D\&X<6:5C%?KMFTRT$`R$K30MA6/4#7F62BBK+\NK(#M=E@) MG,_6$]_;W'VS@JF6)<%=&,;+%9],(V^_T\!V0DH^!X[-Y"&,8,#JXR1M&O/5 MM^0??L6^FWZ6?W4#:N:+Z^_QSUULL7<'VXFIX\:1\TBW.X^WWVTWGM+IN\!? MOO:70"4KZ2_XU@H\P''XF08)1$_')^!TVBZ5KS2E\(G:1[L$Z^TU(>CW7PS6 M-"N)BO;0<+\[FB(T[/5?C)2@X;F*;.)H:,A#PVREM_,T'.B*R&$=--RO2J8* M#7LOC($T-#R@U&FBMEZ7HARJ[].H*H>-^S02V<,6^C3U["TDLH?-["W>Q&FS M^>Q)6%J25",I4+M]DM,W,L<^Z?-KFEU0=ZP.Z?];MRF^--F6V>P%G<8N926' M7-_R"&R#HYGO.CZO/62YKO_-\H#(,S]('H"=<,C*O-[SOO7W`!%YY0+J]W@I MG??3C%5@_;R>],Z;WJVG?.<'[+_E\W^GGJ/)(P>G+I M+S/YV9BT=]^DG\L.]LP0(?Z/?R!=_:7D_:(3_10-J!,[L9\*?#IU_T9^( MH:^BGV_^[SSZ.9V1#>\7;+T,3A8@B?A"@>!+*X!W0A+!SZL`&"=@*;=S'G9@ M^&-_/X+#A?\-?O)!.C4#O]J\'_VB?/^(1^',+/X?.?V-I^3!>WA[FI$ZY<"[#VP!#_,V%H MOW6\*<#Y$]E!SD-`?ER/3TS&7[9<9^[]1%PZR[R<(-&FKKNRIJPF[B\W^@W_ M=[BR[/6_L]3,T(?LD#?BU/6`N@&C[L^`P&FT^(F,]?_*?"_8C!@7`T2_W#"( M;MA1,__7@Q]%_G+SS0<_F-+@-ODKPX8%;&BNOI,0"#G=?,0<_M<.NY0$F?_Z MC5_LAQ^ATRSCX5?XRF!3%6 M<,EY$;S&K[5<_?Q_C*'^,SD$[SH:&OTZ:&@#!6@@E(KW?F2Y22WN\^3K*'[> M>ZSFVS0&-?IT1DM)OXXM[U.6&&,Q1XX9!)77E'@_S/PAZQY!#ZLM3VWFX+I/ M2M.Y8QS[8\;1*.IRJ.U2?,DT/&&>:GC@95;N4FQ@=SS7\6@Q'Z)&>+9:"0$J M#=".I)&'N>V[?O#+S?^Q;4IGLYM.R=X62WE'7VCHL$D*@TL668P1/BUH:(:O(ZR<([/7 MTR8]`Y5RJZB:=S30!N,>TKY5M#?-L=;KCXO;Z"-;9+32)ZVT%T9!;+/3X>K7AC#YAL-.LIG4Z.QUA_A MCJR;M$<;CWQ4AP[)O_^'7\*5Y;&\]^).P%A))^!3M*`!+/QD%#[)8D'1:KUH M#?O:R#"1T*TG]+&1J9F]$=*^];0?FF`LS]URP#WR[@V1\_WFKS".4FR@+^6/ MHW"K-!J/M/Z@7XH;D1%P5&Q4;K>-?-:FT46%@T?OQ^XJJNLOH'C*.AJ,>YJN MESLN/ZJ4^Z"4IW[\X-)V:V6%TI%SJV7-.)NTC)R@.B<,1GUM7.59=UJ.8L,) MX*(=LXQJ&^.[4W5%ZC#0%S&,NWRTZGE'(TWO7ZA=T@C7YKM1*RMHN'O9$ZO? M:-3*B"=Z.-*-!J.!-AE>"&;*=15?.H`R^NM'7FEL\R\L>B9/T;-*-?9!#;S: M!:J&`F?50%2G[])JD.0I!H25?Y2Q70B0N-U)RP2MN#.9N\R/S#N7RCO-W=C'QMO1HK(W/;J^0 M[$J1?=`?:.;9)GHJ5I[!,C.XF^Z*))#7B$?WRALU]N;%,W!KJA&Y'/1Y.>?O/RF)"N\?[#/4?\ M;X#X+PSQ/VB$_T4C(0V<64JE#-F*B_W>%W;%_I]Q&#FS)[%QG@5#.4,=6#R2 M%.D)Z3R@G2=D//65KJ*T#([. MR^`,^`<.BN-H\*%PM9GUF>,!$'X+'6TU5>%7707J)(FJ3C+. MHRPWO;EZU]9MZAEUU'&S@?UH(/8T]H"-I3%XN3PJZ4A8,;VVR"A2ANN:)U2I-C5HY(EE%KGI);$`WJH[1(')158M\EC"B^]BD+3`*4P M!"NN^P2Z3&@CD&+;T<1`)Y>!6Q(/Z.2V2QR45&#=)H_XIKDH-`U0"B/`-?9M M09]*U,@PA2:%E$H!^J+O.W1EUUASR# MDMM%E)`&R8*QT#UR_NZQ\LHV*QA4BINO:+^!_I&4)@(I6MNV^U+O`.$44M0C M+HLH*3SB*^0)_0%4AQTBGS$N=X<,)4QBLF'L6%!?VVM:0"GOF%58S,.8E`NW M(3W*8GRHC?OERA1<@7-%75]!*!]INLK9#=?(FEHFON:J125O[3>O^Y2EQU`; ME;SVB4(@F!#G.\U>UYFP4"?"#[RW7!3`?VVZX?PKU7@KV@0 M/>UT'N0OW6_?N???;=[XG+YPT&^PO^DWV.?]!DGL.4.FU':6EAO^ M5/RFQ^1KS2*7#K=64[FC"S M7#8#345\GM]M@&W['7[V2/.M% M%?MHLRLL1K9!?[+EOY++_$B#.5L*R\"WX;W08556=M:4/,*ZNVX?.`+YJ`#D M.Y)S;'[A\!7CG;X^J!V^41$U.C9KAJ\89YJ]O/3]].4MH=]7U`/6W8$*?GB; M_OU:9M.'6V`RTUX'0S&&&HZK@:$(T_3,<04P%&2,?N\\#)^IYX5/[J/E.1;Y MNK`"UH38^KZK9#//)(_<6]^O!*P_SDC\T0]4`&)!'M+-)D`LI)=THWX0BVJ# MW"#>)6VH_4=0H-\6CKU@K;!)0%V+J;!PX:R85_U`X4^/#OT&3MM'QW.6\9+\ M_2-O_+K;JCR9[A/,]C]L,MBA?,E,=>^_HE_2>2XQRC^^6-ZLSUS@8\W!5^M&\$7PLIVSD^S;4'AG<;R MXE$SS*+&!%_QQ6"P88E"\%Q@%K9Y3SJ7[^)$(\L$NJ(L\QO]EFR;,C"LIVB& M:\Y`M(^_@:]]AH^]B6D63MAOP@KNUE]AZ\@*P46K7P*E^LW+T>``H=<"NK7A?&?" M-R]OD\T+O`I?)NNM=1Q0`IMKFU+67#XDVRTW23P1E#-$OW,\R[/A]R_4ILXCB^-L MY/$KG;/=#B?#&N@,S!N0\]#&,`=93^WJY6P(/8['\XOO9?:3!3\GSSK[AMDSSJ_3'%Z_3K`3 MCC]E=G"9\A?QF8;:1`UN/UK?=_73.R<`=;=FQY/F$*;]-%L_]OC[)MO:&@'SHJI"_;;:_C3W`^>N,1PJ-9O)B!EU5JRB%1T7G[NZ?]O:RA/ M0EH$2_M:7$DL[2C_EY^-@6@L[?/25PK+G$J'I@2LW-Q4$$^_Q>P]AB=F)@FS MDP0,);-AA(&2NA',!H#R9]&Z][RM*?.WTD^?]QJ2#WR:9:QP>G[`C/%VWO6T M:[*4=1->?I[H;U(,E/SV!CDG5*W-3JT`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`"&U`Y/,!TP*`7,#XO8$Y>P"`)&A\)FA,) M&B1!XR-!9+MY^_*/ M?]FT6:X6S7654?`$,SWP97H8R73)S/0`,SWP97H8R?3L`$#/$_@\3QCQ/-D! M@)XG\'F>,.)YL@,`/4_@\SQAQ/-D!P!ZGL#G><*(Y\D.`/0\@<_SA!'/DQL` M@9Y'^#R/C'B>[`!`SR-\GD=&/$]V`'#Q,Y_GD1'/DQT`2(+"1X+B1(("25#X M2%"<2%`@"0H?"8H3"0HD0>$C07$B08$D*'PD*$XD*)`$A8\$Q8D$!9*@\)&@ M.)&@0A)4/A)4)Q)42(+*1X+J1((*25#Y2%"=2%#QDW!\)*A.)*B0!)6/!-6) M!!62H/*1H#J1H$(25#X25"<25$B"RD>"ZD2""DE0^4A0G4A0(0DJ'PFJ$PE& M2(*1CP1C-@GN_%[XIOO0'7]6]/WH_O@.4$L#!!0````(`"=594?!TOT,/Q<` M`*5D`0`5`!P`8WIF&UL550)``.:>#M6FG@[5G5X M"P`!!"4.```$.0$``.U=W7/;.))_OZK['W3>U_-7LC.[24UN2[;CQ%5.I+.= MW;NG+9J"+%XH0@N2LCU__0$4*?$#'PT2$EOR/$PF$=&-[L:O&XT&"/[VMY=Y M.%@2%@__]MO_W%\_(5$A'D) MF0P>7P>?K[X,[Z9!R)O&@_'=B/^5#-Z?_'IR=G(VN*2+5Q8\S9+!^89`,KH/(B_S`"P=C%D0)9_"?@]O;RY/!,`P'&54\8"0F;$DF M)\?'HG/>R\^/XH]'+R8#+G04?WR)@T]'LR19?#P]?7Y^/GE^?T+9T^F[L[/S MT__Y=GOOS\C<.PZB..&]D:,!;_\QSGZ\I;Z79!J7R%\>65@P>'^Z[DO90OSK MN&AV+'XZ/G]W_/[\Y"6>'.4BBL>`3HKF+XWVN4[PL+H2U"Q6ZRNE*F)MH2>)D3J*D MBT@R+EW=Q6.1".=CPNYG'NLRL$I6'46\I%%,PV`B`L=]PO\4!AA-+[UX=AW2 MY_A'Y*63@#]L([0%\RVIT0R%6U%(V\UV5-N>-MM4X,(+Q2QZ/R,D<2:[@FE9 M;-\+?3$[\B3EEO^[TB%Y24@TV8@AA':C5R9`(4)(_4JWH4B:**LJFO>:Y1Y3 M+W[,$A">-SYYWN)4&."4A$E<_)*9Y/CL/,^2_I3__,]A')-D'69"[Y&$GXZJ M/R9!(K0L?CSM2]1L(AA&DUO"\[9X,U%])\D=65#&S3B,QO^B%_[4"GV8BF;-H:+MU2U)_7&P M8CM(Z,""'643PCX=_54L99Z)6$SDZYK>(#-<\IE/2'M-V;T7DGOBIXQ[*&D@ MWMBP\`)-0TPH`"ND&'8=?3[.'_",\TV4$+YL33;PK(VOND%N!ED#3.-I5$`Q MCC*Z?/S^C&?\1LF,,.E4)'F2*UQY@FFHU"(KQJA"D`_..9[!^4+IY#D(P]K( MU'_.==S\C&E,%,(J!F33.A^-]WA&0ZR(^'0L_O?Y7REWZ5`L0X?)I"X2!TE\$UWPS+L>16"-:U.!JG%_N+8; M1VJI=\490%V5)QA5%[D'O4/G0596E<%%TZ+J'=46>P0,LX;MT"#E"YS2 M^ITAVL1(Q?0!9%68Y0R/:V2+O4VJ^)6$DSS_5Z^L`%`BW'3U'9'(;3,E-%*>0C_BO>$;\D@L; M3`/.G\2C:9Z7&=8)%B1%(@0BP82$%DJJYGD0IQP9?\&#C-O`>PS"K)C'<7R? M4/_GC(9I3\BCPF64JY"!(OS&KQH\
,HP65<&UCC7S]2X/]>5C0FUU*[BN26&PGU-C/#5?HK%=6.\JS^O1[;X&5F1 M1NV&X/;:4HW&97>)W\:P*`LR:@4K^"T8JLLN%4;X*LG?:118(L*&)+<9C`07 M+EJHJ80&C!=PB8(BX$O#FSZT%R3X]KH*SQU[KZ(B<)DR1K(%!1\W?_4/150$ M4-3BHI8"W4#;ZZG#`(@;OH5ZMAFHCH>JQ^5-421Q3C'*!@UT0]HD15A:!B^7 MJ&[9H3*#E&56:&P1W'<(:^,JT[BN1+62?&!\N9"RUTPH62E%W2!71]:@/]#J M86I4IH)6.3YE/&3>>]PO3N_$8>F(3(I#U*67):[(-/"#^N0,)\AM!2'`"@1K M90'`@/#$MQ0?:@/?DKHX8&I+C14PW2S.BD]))LHYZY\Y[7==$=]HQAF^7SRX+[57V^4#=H;J&L&_2W M:^\]4L;-?D>R7$^NDKY1L9>O:-3?3*`9"0I4JA+_F_RRVJ""#[Z5UYC1*8GC M+$&[)HWJM^KQYCA:[3'6D34H`AC3)@=\19+U$3FYSZH>YT9H/L8ZF@9%`*/9 MY(!O$3+BZ^V%%_FOS2.CLD?%CE3E$=81U"@`&+TJ-;X#W5EYQ)@5&%J5=QC- M^0&BH06I!1EE%2.7!VV:UU>(7_XY)E$4OX9++PJ\[%*7N%EWU+8I9DAY&ZQC M!U$),E?*V>`[F7M-N$1>F!]?6;]0<$G9@JX6*&-&YD$ZEWMP6_+ M:*(8LM'=YUR,QDF?YI-B"BX_P3HN:O$A4VV9&'C=R"Y5[Z."10%UFXII=RAD M[=BI-C/J^8!'2/^%SN=!5DAJUNF=<5S7WQUP1`H_]]8R@]1)G_CJ MADTIKX-)RAV0O?*?'UC*9R8_"9:R`]*M:-<+("M:I$#L8@$SY"RYXSMS\\4+ M(I'.C")Q"\-HNKG9KEG7!+4M+K[2MT4*%AL-S>`P<,-7TZX+_(VRY(F'S>S: M#@,8I&T58*BUW1,PZ#2T!T.-&[XRN?PV#^DJ`=)4>P>*?.V`!@D6^IF!H&>& M;Q.ZH42V",B7S=$3;-FHHU$M)>4T2"'21F,S5H!<@:7[MU43,IN\OY)0;>`0 MY8,W%0GSTM5PRG\<,\I74]PJUY2)24MRT*\=<>TM72AQGZ=R*N(4UX$+L61G M=`"--R=VM(W[=.=6(TLM#5!S3YL^\U-`VKYD[M9S`5:J9'/I96JF\R')@JL' M!>5[M(JG-77Z/W59DT1Q]8RAE5PKU<4T?;BW9.<*II/4<4M;6$HN>&?`7-0+ MRAA]%J]BZ@>[V4X^W.5V^S#@2KTLA[S,!^$]!<8`V[2,]=S%V4D,@W)?L)3? M7@7+8$**/'>]]E!X@YF@YA8Z`@SJ7Y/UVY/E3[^HU3<0--57$O3O#8#1I"V4 ME[J*NJ^RT^CZP%=#JX:!*_Y?G`2^(7O0-Y9F>LW&^X8=D-(=<*/BCZ\(7Y5X MLV?PX+U\?B'SA7YIH&DO18ZT_7Z"QZQZ9_Q(N\";PDJ$UGP-RM#:#)^^OQ/E M##RF#TIUAD[ERU.(CAK`_YN@B<^ULOE72<$5[= MV;Y:"JSS=:R3JGM!B=I(Z[67TNLC$9DV[@8TM*I<2B%IA1:.)HT@T)'P,%4%,=U":):*5+WP;4Y8Y2Y*PX#%-Q`KD@8X]R07;CKB5 MWY#NP@V=57]$C'@A=X[)5QI.>)0O'>U;+_*&C,^TT=-5*FZ<'Q,6T,EJ"FBB M;^O]&$;"03_]Q6978*6[&X?*?-!1_O6;^-N1.Y^#$'V346>O.^*'7ARO/D(E M##;YOW25-8E\:CBZO,D_-E@^B@WW1Q==`()B^RX.V@L=6G]7#MA-9'SW,>CT M'(L?J#AQE;4:TSAA)`E8EB#F.:WX5F"\,8#M?.BJ&X`/=NOFX/W0X2CLTA>[ MB8WP\*#KF7_[N>GVL]+#]T!WML>>B9;]#M/I*"=!9A5:U/F!96:ZE7Y=3I6P M?@_:<[<]3B@G4Y@>^/;"G6?U;?)=-QUM:]7YEG)>IR.!?@7:S'M_-,)[VE>S*H&DD,`T(J&=\FWQ;N>$?(6ATNMA`H,9GC[XI<>G%L^N0/L<( M]O"X*-E7R>.9V`]?\C#%,X;5ZH!;5WQ%CUR1U?_KFWHM2(M=/BO2/CU2B)@= MZ^"C?_'Z(R9AZ/?_@`AJTO9GJ1R@ZB+.>G6%BX+O9[HW=R^(,>ZTO<>D,-]"-+W]!5-_: M^U3/'6K`V6!WF"@21D0ED;=W/Y@S'+6_3*PSKF`WC_T94?RIY]@WT=#W62KT M7AV6O2,^X6DY7S'+KLIH0[PY?6I%?`C0[&0PQUBUE456-NX9O%=DP8@?K%`P M%S6>WU=_%]?I^Z)&3J,F:BVIBG>LH%2'@--V)G(,4+`0Q?2-:.70=*["J\;> M*S28JDF4(51&<@B`;&&BR0I^4K"2;XI4<.C/>'F M:C4PX2%@L[6A'"/41@Y\]W=`6B<&=`SFMC(5 M>>@9HB726[Q!U>G4WO)&52?3.>2&U7-,N:;WFKD"EWC$@J<@RCT'FG&V)"\` M:4U^$!#M9C37H+66!GKFZ8\/M>P#&MM_U<5Y[5W^"9B_HCI;U^;<#'5\@*1Z MT,I"HGPCK9,D^,XB*S3*O\3GYJ2/)3/]21\P,T3%4.6UG*:&RL(GANLX'8VV MM-P)N::S6__R(F?C^DY$):-RP>N.+/+4@T?^&<\V'@B;7Y''^GQM12,I:&IH M#@%X;`,Z`1'$-+W2O"DQFEI127 M.V7^C`?D[/ZG.8WN$^K_5"^?#03-!;.2X!#`9FT8UQ$-T#_"5][':U\I+@2- MS>#3-ZX!3]7XD$`',LB6`*?J&^%[WN59_R:.4W%L5SN-P@DD69R*X""`9VN8 M+>9OJOZ!G][:H%F/)3%^+`3-#$6=7==+A MT@M"<8`I+\EOZJ;&`T%F4N61(!TINBALBQ'IH2"PL2#Q&"B1_%B03A*$59Y- M]EQ61?N-*"N:YFI(1W,0X&QA'M>HA(F`<'>PZ4]D4=6&$RBC M99/@(&!H:YBM1\9F_PC/EDO$)EQ(+_Q*5Q]J$R]!2M?HUH1J0"H)#Q28,$-M M'Z!*.?!E[T6(?Z!#GZ]?&('"U):N-H$#Z`X"I"W-M*6)'"`&PC?(RA[VS4OR M-'C,UAL%V0(\#..6ZZ3./"41N`//@\#]%LR[Q;C=0439D25D(1WN%/:4JK!^ M\`!O;:IMAW8`6#]@"NYU^;DM)JE0F\@7:M#V*F0VVQ\D'@UFV38*F]TC??%B M/0>4BAV;UT8OB">N7RX.6-UDF9(NEVC!19(]6'$Y"/@Z,>$6,P0KH8`?T=[C MG;-V&S+;V#D#2V)XZ[N7"R<_>RSB8@JM[V<>X_HF?/*.>[M>\A^97R+?T_DC8>*`0IB**S&%B/$H3>+$B\2U];4XV)(Z!X_ M<17())_3AHQYT1.1O3GMCF'YG8".#/<2U\XMV17L+@3".*667O;N>S95K\2_ ML.PB^M4W8(IWXIKO+;9G4%Q:T()!?W<]P(25OA3?BM;.2/V_,M\!#K2;B2K! MQEZ,[+X&N^X1'K6VT+LE/"ND]BY\^."4&6AWV,Q[QY?WJ>7/E\(TC3??',N^ M5B0*%@(6OI_.A?56/X-AVY*O$=/6?/?0YN?OOO$6LWC$Q'EKPK8U!L!^.H^) ML1^,0:DM@+6QRNV(``.;I2;Z>-=9`WQW*[97]I;$\P/4@U#%-. MTL;`NYTSS,+M^5:'I*#GS'6@O!V5A-^>ZU@:>+>N8Q8._S)-81"P4[2#NQ;( M**P!-@!89TS^:AH_K9NVJYM4.M*[VMIOSO;";S9'Y+)C_]5ZS@694B8^F@OW M*#M^9E^#\CL0>+:SGWL4@^78IZ6)6BGQEHM+L$OY=0![C=_!@UUGOUV"O2:' MZ06]7E[^S6XF[ONUW^KUR'?$)\%2V/H[2>[(@H\$F?`!2:-Z;F9-EX/`@JZW M0*22,6'C8`WT41\$2;UPO#U\](+4^&- MW%-OY@LO8.+5]IJ-.O'(K=621W_AMPTPJ!M;5<*NA1PB]+;L'U]N(5'DDH8A MR2Y]:P]<.`\U<"$\#@&XUK9R#%Q(_\#*"88!4$^TM,L\!#)ZHV]A?-.B02W7#N`:_F\3_+B@;P%\5)?S9;/WV(N3J[3W MF?J/DI3%RKX)L,N4,=""WDBJ7L=K2/$E]O;+=ZAE'*_:-=WB.^8`DC^/*&VP M6".UP>*:]#"Q*+?,UK&X[M:0N/5S7_M\$=)70BY(1*9!,@X1;#==<4DB,BF) MQ!?\JVOT`S__57(2R)8L'W\X68N0X?\^C3,USSZ\/\N4%+_(-2=C)+)0!`^Q;>;]!+@IL" M?WY9$#\ADSN2I"P:1>(WZ>?2VI`J@:4CW7><@!NO< MXFY9]Q?BW"&1;M7>E=C866@1--T**UM5]/Q5"9V55L=MZR9H$ZZ`G`"!RLCI M0+S$G37=.T4GV=K6U?('XH]'+R;\E_\'4$L#!!0````(`"=594<*/06_N#4` M`.\-!``5`!P`8WIF&UL550)``.:>#M6FG@[5G5X M"P`!!"4.```$.0$``.U]6W/<.)+N^XG8_Z#C?3UNW[9GMSNF=Z,DV6Y%R)9& MDJ?//$U0152)TRQ"#9*RU;]^`199Q2)Q2=R*(,V7&;<*R!L^)!,)(/'7__FV M24^>$,D3G/WRXLT/KU^"B*QY]?O?KZ]>L/ M7]_]@,GZU=O7K]^\^O^?+F^7#V@3O4RRO*#Y(V!-Z]VO$2MF#_];)I]I+]Z>6;MR_?O?GA6QZ_J$5D/P.8-,V_]=K7.E$C M_O2J^G77E!)*)*1;:E?MBS>[QNV&/U;_%1'Y$O[S(D\UCBIJ_/1"T^N7%\L]5_I+! MYO5/[UXSH_Z["9=7'A3[6QE1U!840D_H(EMALJG0Y%HS%1L?JM7_CJ^R&[0L M"9V>ZT46?\89:?[S-,J3W+6JNFPM55\LE^6F3)DG.\.;1X(>:)/*RK0));9, MHSQ/5LG2=EP-&7E5SYLZKL1_3T7!SPB=TJ_-*BFNZ>RV`9R4G*6H-^BQ),L' MZL(7:X*V6+8054K.=KJCF'Z[TU_I0%WB*#NE/]X6>/F[S516D;04F1'-[ZA' MOT\IN.Z+&Y07I%P6);'[CL#HNA#^.LJ+\])FRG')N!#MC+K;I*#?F#0IGB^R MF/D@3&PE55!U(?C%YI%^0E!<1Y'9FKI1E#Q%U6#:20\A[4(%6SE="7.1/5'H MVWHM'A5KP=@'Y2[Z]O[;(_W19F"%I&R_4A')V-+G&I';AXC8B"@DY2/"NV-H M=A>Y->2\ABSF,L/H>@A8S$664?,0KI@+*J/FY,MO+-E!=W<^TEP@#A''[L<" M;P)*UEA;4G7I_,-EE>*Y)CBC_UQN<6*&-SE%'][2F9_T["'=^T8O7M&5/_3B M"5WY0&]+-9=K-#;#J(DIU_GUP\66P%JI*XEVMKEER/RNJ MG)>)7%PREJ*=X2S':1(S;WA+:593^6IU%N4/'U+\-?^2125=V:+81&`-XI[4 MZ/MW+PI)V?A1S9\V/A5H[UGL.%S3.985#ZA(EE%JJPB$@V^%O.A@+?8YIG$/ MBR2S^#W;8'EN;:Z82"RGUQ8V(LM&WOJ?;9%W^W))5KR*D\VKNLVK*`6@0;`3 MV&SPL0W*'RMQ*VH.I*+_9A,=9R]CM(K*M'`H(X>V6XGQ)DH`@VTB<$W:A;P5 MJ9<;M+E'Q*6PAW0=2/I`A2++\AZ]W!G"H;QR?AF;FF#QQ"`LF7Q+,XT"_T\<2`ASU'E$D16WJ01!F6>^`I7Z)X M8"A?J'EA*%BI>N#%69I[X`)+27A@K$[6^$"H,GWE@:E.:L_'"*LSH%Z&%YX? M/H(KXN71_?J'(W$4[JX<:B35T'^[HT_=(0H"W>X\PEYH=\8IKPS?%RP-F M*:X.FW`7&=4"8Q7E]]4JH\Q?KJ/H\15;QK]":9$W?ZD6]B]?OZF/\?Y[_>=_ M+JA#B9.T9$X#P1LV3N4VZ+E:=<6G=D$7-#+;I:K3 MZ!ZEO[QP39:N4YA]W9%]-5*#+S;L&^#6VH\(?]6'EOD)]/7,E\4F!;6HVLF-"`MKX]83!C^AE%]I=_5BSH MFHJMM9^K5,37B,0[K[S(\W+SR`2C`B.R3')T39(EZH#>DDH]`,94)@1L-Y;T M!65CZ6KPOC4$KQMWS^[JQ&6*KE:6-JGBD^X4\$*\F1F.B?N<,*U]!(_3Q*>U MOQT+7D^H=FU3%FY^7*:83\Y<7!2G1]@\X*VAL_#ZMHNI?7N1HS?XQWH#K M])E/8/$M<1ST0CBY"<[DG'Q.5,EVRG;B>IID]N&;QNBTY[);?1R$=G(]+`,^ MGS/V<[1!YP>[F])IUV\NG3OMYEY#.\%.K9//%@BCPJD@M)C#;Y-,0C&XVY)- M$:'_?!LJ1@_//P0%TI[1`H(IDRV(Y4=U`3!95CNH>/G[IX,598U.:9O:MH(V M02V".?X+P[13(V=/FPV_@&80KNDFRM:($YSV_MZ,[/[O$PW\1)K[#=-:7,/P M!$P>_OSO_]+&QE'FNC0JZ@\@EDG='M==U]V0A#=958/2^]`-,2R\0$`U+M(O MM&AD@OET?J*B;LH-=W2XO]5*=GX;Z!/)FQY8+GAO=+:MV/ATN@4Q=SY%W\3C MP_NM&9_#WP(;'XG@LO$Y[-:?/W]]U5'ODO[G<<^3#;W33279UG`XBPAY7F'" MMA%ZB=X:0+#&]<"H&@\V1;B"<7>0`2UER@Z\VPL<+:RC9WNVR>FS"2BEZV<7 M=<H?(1C2THG;=@>VW&\^P*G0T'-0^5FK5SJFAHS[< MV_R/\>QM\C\[_>2/LIWTXSY\<@@`!N''79[X$5,6?];#V2GCRB?4"&]+$E0TZ@DEN[>]6;,7E M9E'DC6K3B!J%%%WR=X9`ZBE'_G!G2$2S[Q0&RBR@W8]2W?Z@1TG>X`P9"Z78'7^_P8H,)&^?X#.=%=4=U<9\7)%KV[@>X MH=8<3K"E-I!K,,,-=FT^P;:C6J3JX(&M*$%$)SLMJ`_-#[2XR+YD!$4ID_X2 MY_DUSBM3Y=O"NU7%^/,D9TNSDJ#/)1OEJ]6NU1L1\+TQZLX)#XQ&.UU\&]W- M3/(@I9_LH%BQ,\RN!9>XS/F2[R]+9/%A"Z3_R7#)3/E%<<-LM#/H&,;W]#UR M(ZEE/E8PD\Y+4AW?:W'!DE=$UBA"L"LG:L=+(ZY M)GB)4)RS4V%,'9F"'4B9=*U-J]=U;$"S,(P5YO3XUO#[,8PPNB?@1T+]Z$WM M4S_2,6)^]3,JM#_V4$+*#[F:T-B`ZLQHGC[`:BEJ$/\E4!!?IRA>HWA!0XF4 M50PA^]*A2MQ*^BJARNT['72J3>,)D%S&-0;_,U`,LD>4/D5%<_VCG5C1]J4: MM)08!=&:#F;U3><)PR!!:DS_UR@PO5^'V>%92$<3RQPZ4\6QRF1'P3!'B!J_ M/XT"O[\EQ4.2767H'R@B.V4,02PGIHED$;&IPAEDO*-@6B1)L_GQ>A3(7JQH MC$25N'L@N%P_?$B>*GUR6Y"#Z>I&(6JZ4X6^KDF/$YVHA6HF1"#;@1"%F!JU M1G/P594>:!NVA;@;"5@4N@*]%V]'J\CN9#B:F'725*9@DH6XVPE8*SB8) ME+:C%>?W-$DT33OHRE,P24:R&]I>:3B;&V3'JYE^E^S=Z@+GBD1=]4_O#7M8WPR`AWWU$-CTG2@$N:8Y!@8;Q@T(0]T5%)ULM3[5;'V:>;*8 M%!OIR*>7]^@,=8M.=?'I$N7YW4.4W7U%Z1/Z1%L_&.S=.>%B??U.P64ZD\&E MN0>Z<*<0L9E6H>X/JM1KJW5%+G&V1@;'`9UPL9Y6"B[?S[32,?=`TTHA8C.M M0MT*!5_3=3:%W$^7[W)J!#8-.)`/=3\4^J%\\W8[JUMO5K-FSD,T!1]G09J0 MS_%N=L1@LN<(!C@LP#\1\#;4 MW=?6O*CRT_O9PS+4IZR4''M-``Y`/7IJ:$+I30BT1B;T!6>H,$U9LU"W><6* ML.^!2Z!SZ5D`O4/O>P"ZS(1'!WI'F`;HH6XE@Q$,AN:4,'<<,.U1,NR6+D0E MWBL\VOTT:I$/\4:/,9!,#6&%*PVF#C>>!GT_1OS"YHUSRJQ4[O;C(XO=_ ME$GQW/+%_>=^-'OM'L8$]@KEG6@@R+"I071QN7LV",PNB&KL`&FYK\9H]X/C M;/@GAG01`P.9\NDA(%L@R()ZDL@[S'JO]H0'--Z#13Z1)GW(R`?6@GG@Z,OM M1_R$2,:^WXLURI9)]YHZ]\DCW6ZU6>'=!EHEO=Q M\I2P3X$(*#J==J"!=1H7@`P,80$F&+<@'@<^P^01$RHNX&L&:EM;3]%V3.C1 M4=L8-`HF0;Q/\0F38AVMT6FT_!W%>R$O\KQ$\>ES^X-[^TB1C@F*WV<%(H\D MR06@XB@;_+'3#TD6T<5,MKY!2Y0\L2SA(DWQ5_I'ED3KYA-XE;&+I^]SMBCHH`_2M'FF M2]ITI"C2T-\%4N3L_#RSV3SH>1X]Y]=17IR7#1KO\"DZHY%/0MFB>/BTU=X-^58$'D032,<(/3E/[I:T1B\Q"<0T0_"#\@,G5XRVQV5#AW M!`DBFZ$AO#EFS8'Z/:!S6$@&\E2GAL2_D:1`5ZN5!2![)/21V2(Q?8B*['5D MK+;$".)M3QW/CY8LQ?UL\>'O4##XZN\H3!^Q`FL=^WN_DR*(=SNO"=YN.S5&L3UO2B(^$@![M7&1_:](`'#>+530ROVOCE: M%LD3$FEE/FW@M/5G#83V]">-MH6//&<@\H7QKF>U^4X_@M7',-]K5ET9/8L( M>:8*+S:X[$T(@Y[U8&CU'"F8S:WC`JI:W,-X3U,D\DY?(/QZ[16@:[6?&-1$ MEO`)L!;/,!ZS%`GZ&14WZ!$3ZI>UO)NPGP)FG'X3@YO*,CYAQ^$=QON6'$75 M\;0Z\H33$$>8$!HCA:@+BWF*&"%RA/%8)4=X%XLF%XNC[VL1%,IB1V=1,^PF MV+X0@(;Z\K(AIH1Z=43T"1VUL(CU$597%G-RB-5"F(-W'L=1B(2CY.[@;GV> MEU.(1+.7V"OS>P52B,08C7R?#+`0OS*)KAP"7\SG'\25:X"TW!H2VOW@2!R^ M5(DNA&"H4Y8J`;(%@BRH4B7>8=:KRQ$>T'BE2GPB35JJQ`?6')0J$=P@N$'L M<'A6)%&ZOZY0I1>X]Q"AS6N[J)N'LSQ1.!6LK;PF*/:W%-5\_-PM.L.;#8TC M*%MVO6E-DB6=526!(<.L\^Y"OU[G,:'&RC#&&-+EZL>[L+LG=*&P9`K`0`1L MO\.-LOVXH**GO@4ZE(R"N!O$Y"PICKN:",&C;MQ"CJSQV&`#5MP*,S(NEK=G ME-^D^GC:=N.C^H^V6X-\F+0I]+Y.&A3&!2!;$SGX3FFPMKSI(KKTSWR@H*Z2 M&%Z:O9H\*+37F&!D9@ICZ(#9!7$AY4L6I15Y%'.T%-18T^G3E%B#]1D3KDS, M8(PJ(+,@[HLTI08JM+?K#9RC?$F2QZ*>"6?T3VM,GGGEMRU(=.IAZ9&80#[< M@>W<)A`.X";* MUH@3N??^WNRY[?\^@1A;I*6[P+G%(8B<=R4/?_.U_TM[S(\RKZ71:G^PL$SJ M]ACNNNZ&)"@_#!J47LPRQ+#PXC;5N$B#+='(!!,A?:*B;LH-OP`X[[/-)!E M'.-.Q#.(V$LB]V])\?`9WZ#JY>W=*HQ5L**"QQ?9$\H+SE4YAQ352(53'#]V M#:WG&,UP*8)8C"LT<8UNU]C^?I`=`JXU4#WL;7R)'C8(MD'K-)%Y;!1*$#?L M)7JIS(>S1@=O_)X0M'5[3@%K4FLX1UJ76Q"G[&3KMR=$HK65@U.2`*R[Q23& M#T&H?5ROS,5L@SBF)Q']@CU*2*6]R)9X@Q;+)2FC]!,J'G#W20<[(FI@2HF, M'YIP&SD&IY1Q$%6O@7;LE:M1=QRZ/(T4=,86,(&9#K.#@LES>9FQEY/FVA@?^SO;\[=/I\ED9YSK\U!$K@F-,4KX5,:$XC^6-M3:>I(1-I@HBN M0+J(-8&N]LUIZF!?33.H9)0%A*%S0M/*"H>O+S!XNJ@%#6+U&NQT@23.`IXP MP*1:`#-&-QTWX)P)YLYEJT2QM#B!LEV_4'0@90K<.F,,-X4V^E1"=$I*!UGG MXE>\0>__*)/BF0LCT<^UR?H_3P4T"L6]8*7/,PB7L\]0[9/ABGRAJ&$O4]AO M.!4`@8WA!4HR[G[RB>TT%A<=X@:U(7@-IH(&I?)>4,#CZJM:]%QOWIGC<%J+ MWM1_0.O4_SA\"85M=:&_E5%*/YWL?[7:?X+8(.T2W'?XE$KSE*"OJ'N0V;!WK;5V[Y`=1G]HL:U]M/W$ M9?MHJ39O/R_E;!]7OGI"Y+>'9/FP2-//Z&OE!-KXX`30!K>(:2F*VGA9!E005 M]XO\W>OSZ#F_CO+BO$1M[A\PH;(MUFN"UG54U1:T&PNX)7J`/WNB(\6F8VNZ MP*V]2'Z6=AQ]3I^W(??[;X\X+XFH;I9!3W$$*^XY.@B:V\4.9UI\@SA.\AD7 M*-]+^QEU(29N4%N,UV!T@%%J:8<+'OD@B@I(ZPMS$AO6I,QD"&BZ!. M>3E$1N^X4"#8X!VX<@,.Z0$I.W@$WSXBM@'PB1UMPAG_SHBD21,NFL&QQ#Z010D_8RS1VW8Z'7:[7O`.@4/'B/M]?`#91%$T5".?',1/`^I M7S.+^"U%Q$;W"8S47TYB)Z7$1O+J(W%]$S M@,U<1&\NHC<7T9N+Z,U%].8B>@*:WT?RR-K:1TTMF4@;Q*8VS!YS$3X?R2P+ MB,]%^.;ITBNX-N(),Q?A\S!G@CFS.E?$FF1%+->U*N:*6&.JB#6T2]D77(*5 MS8(5RPHT0V#K22!F\%X8BY'G5IU6-/$Y5P=UB=H@JH..VRR\B;* MUKR$8^_OC4O9_WV"B3^1UOZ2=RV.0;B,2A[^1Z?_2QL31_$1TI16?_"P3.KV MF.ZZ[H8DJ$,.H$'I90*&&!9>XD0U+M(4AFAD@DDFU*7MN*/#_:U6LO/;0)]6 MWO3`N-."48#.8M1).T\(<7`C^4*;5`(_!YKY4BR,82;M*<68H.>T``8QCT=T M"=C[.>H(DOT.%U%:*[#(XMLB2=-*2MK/Y(L*H:?S@973FQ`XK4QYO,^O7*BC MU;/E)%U*0EAXX`##"E):QQM$I":-7)@!CP=:H3Q^2E#`)Y(SC^O,U7YG2(48 M[\C.58A2T^(9#L,#&AW7(8R#V*!/S"(P:!.;/F(!1APL)&A+9%G"PTT\8`=: M&1VS2."[@2K`=$/$`!R`!E<@I"]_-S%A@F41#1T<]VE,&L,*DQT/OWU!:NS^ MY-:Y7B.2X+AQYZNB?IIG^VP?SMCI%X+B12[TJN8$]B6TM`F,%8/6QG("0!,I MFL3[Z_!=9ZV8Q:Z:Q6;:>+%I8:#CN<4=_P:/8[B=LPU%+*)1BP!TXGCD&^CH M8>8>C\,>5:E<.(UY+U&4MU\,^DAPGI]%A#RSW=3J-;,.'`UZ[NK::O0<*QC- MS>,$BUKL&RB.X)[O3^VW]%QD1T$$==RH@N!8\>S\A6>H1X M]WAD^W`RY.$S;D?(PV:=CN$]7";#JK%)G&!2AWN#O1_'\PX91ZFY6JTNW/Q7 MHSW@:U)M-KAUTEQM5A&YP.L\70YHS@5>CS1CY@*O ML%YXKJ/'!TU0=?2&+@`[UY2>8$UIQ_G$N::T#`W!U90>]I387%-Z&C6E@TLV MYH=7?$#)1'$?21TA3I]I)`.5UG":[.-QL_P^'0E;T/R#K!<47T&FW"1`@2#+ M)&G69PF"5>AI+W?`@J2N!H46,#GE!%NZZ24K=`63(.+)^^[U'?[QI];M`6ZX M9=!3@C)ASW#",JE#$N`,9A`MI.W#+2V&P7JSOU")_\L(;8J>$K0)>XX;;3"# M.$2;D&&PONW]'V64WN&/!$4%(G$7DCN"297[1?7&# MMBG?DE#''."S(I]PG*S84U/4"/DE_"D1>3]Q1"?JY[7.XP%3>&%\:3>@BB&6 MQ%>,'3]*A1A#$93R^0K"4@$_RP^DZ!A_>9^C/TIV5'S[21&`1-FN.:HO;CS)@=:]..%SR0;S:G6&L\J%YV\TPWD- MBL!('T1Q3#AW;T)OZP.0*)8/8@R$]/Y1,VNH2TB:8IU+&CGRF+Y MBL9QX-Z;IV\UP2TF`(0RC\"4@*LTD#>8\CB'^G+&@>#7Y."_^[-+%Z1P@D#0 M0@A."<3:!O0&:H@DED]L'`GD."\:Y%O.D:C$WU1N`U9AAS7O5-Z91D5E+ M>8N:S"H^?OQ!4PN:4TA(7#4!UJ%3GUO685R(T#2`=9UN&:<@#NIPM.IG1^:R MK*$O[ZSMZWGQ9R)?$*;2K4>:,7/IUKETZURZ M-90LP5R7#VK4?3%>TGL7K3M8O+E1F`=Q!9":F< MW"!1HP<$;\.OA^`P46%*N9)1LE)")Z@UB!?P],+:D.##6QVXQH\TKG>%('^; M9Q=9@0@Z/`;G4#6O]90T'"HETW`#64!4\U/MP1D;;S[WW.T0VRM&5-ZK5 M%34:QZB"5#0841'=_GP=H%3)!T2%B%+V3@)3YY3^>%O@Y>]-E9)&,E_\;]!C M298/48X6:X*J(W;YT!52[DB4Y:OJU@(B5)2LCAFCM+XROESBDDY3=OUWD=^B M94E0?(H)P5]9T'@I**#BFFPSZ9R1'>[L+A.*P@/EMSB-OU`(Q\) MSKMF->O10F7)-U\S8:X..$#[!XLZVL>N!&UG3T;QRV,K7:*N?\I8BN#XGE; MB3?G9'MMR30O/1F3&30W[!3GV)DU'(ZJ*SWX,#N)8C#AS8O;SXHMJ5)]D'0[2\CWW"[>D(D2]8/ MQ2*+67F-)"MQR3_`KM.EJ14-ZC+0^M+>!V(CHUBB:I\3AO$.PC\VHGYYO,/O MJCO`JM]L"E!2*.\$!C9>)\(DT::+!!]:"N6OSY?8C9JO5JKC'&E$G M3D6DDN\%YD9LNMUJL\*[#131Z?LF;&P,38SM(S@XOR#>S7J_>4SQ,T*G**/$ MB^N4!@]#'P:[?8@(.J51A5JAA/WQ:E5=#TB6!8IK^41/"CJA MMGMXT)+:-*:"4YMZ0+RM?$'D[?FV`'T;0)Y]*F"$6.!87C60_'VSVKM%Y"E9 M(KZLGW%5#`#%E7+Y'2ZBM/W[&OUEG+/#:4]IVJEY(NWN(LJM' MUJ6[(!M MI24:U">82'<\IZ$GW>Q5O(_Y*-V.GKY!O!0:@E4"=$8!>J#9[?@:W6GZFD!> M:?5GBDKE_"+;KO3"\3*&EH:QK(J[G>#%+O898$Y>'X M'1.AO#L=/:%FC^-KA,?D;O34/'CC>(*^YN]5N!=>F&,HEW>/HRW7['0\CO.8 M_(ZVIHWK&?;NRA$6F]MSB,?/TQSR/5XRIN$[NP:+<1K3U.]ITDSM$`\@NE_2 M#90;&2CU,<]KFU$:T[3N*M+,ZF'/AGI?.>V#F&,G'_JI[?56(UI MAG-T:2;YL,ISBLV M[YQN,R_=T3UJV7G'T\V3=3W,)W>2-A/F/T=4=;X2GW+AE9+G_=;4%#[\+9`' M05UA#^5SM.$_+.^3!31:,F(Q8.5W M+CPA<8Z]+0\*0K;E`(4G1OSGF6#.HE=B;-1S@5LJ_IB305X:_AC3(9@2;JU: M`NR-1VZ]-FF;VH*"-J&N.VT\*(991"O,-9"'05,@1Q"N]ARM$"%"C7]+BH>+ M+$Z>DKB,TFM,%4%%0K9!_[;8F_#93!^DZU%S2WHO^-_;.[T'9%SL3( M7'(#^14OP,/.[=MV/2Y%9B['7M0@O--^S>?`0/+ M+>]S>OD0OAUHCB.E=<<,?;7:Z\=);4G;-$^'\ML$DNIR#D\,LPH_]^5*FNH! M4+X407C^GFQ,LQN45@KG#\GC'7Z?44L]%3U'BX[)0<2#VE:ECAX M$8+'B@LC%8OO#V"]5$:H$.,E?5QC3)K7<86R8%(WY]3[+BEM;LZ&_V.S_NK\ M.-23\(8>!"O4DXZZG$>UPNG0#L*IG#.=4-PJ@W^>Y"R2*PF2I$G@??9+=>I!$V>@4[% M_'U>))N(O5E5L@MX=7DVPI[O),E]6?F:B^RLI/%U5GR@UHC2?Z"HY[.=$Q;" MUISP>`'MR)B.H&XN31C!QZ%"VRB/Z54+O,CBSSA;;O_C,HGND[1Z7$8.>6TR M?(!KD!DIG$T-Y0*\&KR#J$=>B]^>6)7P],NR+WS)QR6LSR$(57U&AC@M$]C` M2\4HB`+E?:7J$JQ,6N7GG--6^(4^:#LRS(!4=O0=/6`01&GJOHP768$(R@L0 M2'B-A2@Y;#Q>F$B4=H230PY!%#3N"\GV2-EICAM$0\+LJO*#VU=QE;!1=Q6" M2-9UO)`"&\01P&3\+(OI"AX&1MWWV,=C]/!E8P@CD&DR/"AO.(YS*'*].+]RSJE8T1`G<"$TPCGG`H8C M/W.K;3#A$1>5(()D+42`4#;V0>&'65D+Q8THY_4JGNH^SW'Y9X\ZHRZV*Y+#=ERLYO,*D) M>F!^^0E=9+0).D=%E*3YB\%*@NREJRH$<42\Q+GP?J5I]Z:PB';WX6JGP$3] MC(JKU5WTSAR#R)TDHEZBE:8T(_O M,HWR/%DER^TY9@$^'5"J1\**T@AQZ\YRMABVDB2("*PKWP=J])5[V`>XC-WB/$V*IM M7X\!]N$&\(_CV?^]+:AJ3(9MX5VF'LY8+H*SSPMJV^0DY6T'W;P22\CS(9=0'#GVDXC+?Q=U=,.W> M#V:`W0>*O^6>`%L;HHTH+J].H`+D$81C:8G-.R@0_ZO<"J\"F$;G/KQ`G4<` M+GTCZ$(+Q*'ONX+;ONKF5X;>SNK*LS?J54G7M9`(4K#3Y8&R(']H17DP!]1X MQ:OL-JH*Y*-E2:K+O=2-=FP):EM;1]%V(&_B`PU8SS!ME^-0'.:H%&($\<'; MBGT7?:NKA=:NM(,T1:O:E,)6TT(7S!@><244((@H_3*ZQV21Q57-)Q3SZQO+ M&]4F%#6:%IQ`IO"()A'_('9IJ*/<9Z0Z&.+^5MNK\]NT$"-3W"-0.FR#V-?H MJ@A5C+?1X826(!C5I'74K1!/*'5I3H^HMA1SWF(9PQ:+&RQ:[+E8"3!OPLR; M,/,FS+P)$\3R;MZ$F3=AYDV8\8`KV$V8$:T6.9&Q"U*6:\4IQ=4.S>DT[+:3 M:]2@Y\9S;HA9`G_X!8$3N%K`7KFPL!'0!O=!+5`"0GYO13`2[//61F&`7[K& M&A;^P:S53-40/$KL@I@E_`<.O!WY:POP*R-V.Q%MP"]>0PYPWNI#E)"_1VE) MI8I8W9^ZH$'U[_@JNV%',0B[KU.5TB?-?YY&>9(/??IJ)_NVFBT5L57C'ZA# M;TNFGL5>:-IJTT#.W;H360S_2#..S6M&T/ZE1@YE`M M!;6,I06UK(%"]32SP[F2G![4)>2^4[1##1P"X"6R!A$^7VP>J2(H_I!D4;:D M0E(+H.2)Y8;8.RE4Q%8FO7MBTJ1O&,ET3 M>84=0)@@GG5:/-%5.'.N=)ZP"Q3[ZQ,B((([-$@$=)@<%'6-Y!>+`&DLGXX2 MK'^^W"[6*%L^[SER9D0'8%I]:O,!^TP-9B:F\HHTH$!^'H[ZJ@S,IAGX$%ELGQT2H"]J_LT66_K%%ZMJL.'5.1KS!1:1NEM M>1\G3PG;[0,X0">TF@)G=K2F!EV7IO6*9TM!+9^_$H#\#)-'3*@L+>G4<-;L M55L7W&MJ$#4SEU`O+'>X^85*LHS4ZC9:_HWCOWB^RC_@)D8QE@FX? MJ5!TJ1^_SPI@H.F:;#T4[LA.#=J>#.X5^^YD;B:'XRVF[>'AMF!UYC1*+[*< MRE,"_;0]H8.+)F:$I@9Y9T;U"G(;*1M8#[N+Y,(DO.O*SNDZ/,4QQ#7FH7=> MM0T=PA8L1.AF&KT;SQWGG?:GSZWS7Q\(^J-D.2#.?0Z-'MUY(NLQZ.T,]\#% M)H9RC?/=Y0R0*$&<1.>=1MS)R3UNKM&CBT=9C^&N3.C@!IOHSX69F-D!@&1, MI@N@WA'ZD"#$NWG@'D/26P3N4!3,C0#NL>B=M^6>^]?I(L%1O\O0"RJ`9Q&` M2*$^%T-B;B(,];D$ZXKR]D<:CB)Q+QF0>+U&C"6E$5S!B<&AIU@2^,`>='W@$GWA+18N MLL>RR"N-WLBC.W'++K)X+0.*XM3>".NHK8KAA.P.T,-C$Y:G:DGX%HR4MV"D MO)T24OAJ.T?*VS!C_9:$[\!(>0=&RKLI(86OMG.DO.L@Y5UX-_C_5D;L($/U MZN9%ML)D$\1[*1UK;I=(`EDO53?S36CP9P*41GA7C3JV4;9372T:W@\8C:KL MZA#$&^@PE5X-"BW.:/L$]H=*E3NT?,B2/THDG%K`;K)5$+?;6,%E:!@G6(/S M#C%P85,#EUEQ$Q7"@SGBEGQW?=AR])A2JN\61CQV85S!/I2054Z*R#9U^KPO ME*H(!U2]^(@2]YH(NH!F\8$T,6O+6]RJ@BU;]K9$:!H5?<1I3EM>()#B68X';E`^&3M.)H$%F`!]PZ/"SO,M\ M_-6J].2Q;G^#5>J@)XD=84[;0#Z`"!&B??EY=`=]*P7/6.5*^6D!?KO^`8%N MNS#.!&@C"L.5-X4=;UN_RRBL],%6'5'IO2\9OL\1J0H[5>JSZD[9D@9ZE;IM MY>1[KY[8\"]J.&03Q%$"`53[%S)\V5>PU7LH%^>NA4-YYEECST9\N&&L\T9Q M#N+X$P=Z2N)X4\?!&0K!VJLI`GB)HXS_Q)6D1:?`XT&+H1=8OIPIAEA$)HK/HOSA0XJ_\@-09;M: M3TF[@<()Y:S$<.WDH[C_FDOH^0D,%X^/)$IRR@^G[$$=$J75]T7P8"ZL=7,` M2M4ZX('5TQ0ZO$JJ07R2;Z)LS7UFM/OWYOVL_=_'&XJ)E+..OEJ$@S@!4LG# M?U2M_TM[A(\R:^4O7?;&",ND/GB)K.FZ&Y*@[BR`!J7_;N,`P\)]A%$Q+O+G M$04C$\S-HT]4U$VYX8X.][>FP.'A;T.]$LB9'E@N>&]TMJVJ,G^'W8*8.Y^B M;^+QX?W6C,_A;X&-CT1PV?@<=@MB_OR&DO4#C6@73S3>$7@Y:9M:;4&;L,8- MHHAD_`3=P[T#<_I\&J51MD2W#P@5'PDN'Y-L'(7&-8:W)#[US8`@P[ MMRE_]]1,S&J3U5J\(((.J1JM8B3.9H,N3L#X30)F)=5QC#BA#$.]'LNV\15;M MZK%7!)ZB]*`HAOA5(-U^S;M`\'X30*.IE5PC4D,./P])-I_QWY+BH3H9=AIE MOVN$8.!^G8`,T&\",#.UDJ]@#2"'Y1.2OA_/[7YSE0V;#ZVDX02`!K:#\T^J MA+'EBY!NH%2=E?X5I7$MH-JU:?2HC0KJ,0&4Z5O&-=Q`$E@^TN@0=S=HB9+J M>#80=J`.;=0I.DP%=#IV\8(YA0">'FADG^GJ@/YELD)TM5P2IH0:2]K]:M-I M])L`LDRMY!I@&G)X>NOP!JW+E+5^OBWP\GPBJA"\UBG077-D7_6S>3M.!\"1<@@"/=>85`.TWV#E",\]8&O0L[:F5L^AHS0(2+"--;C8 MDG!E`-/B]OW@K'-N;0=&.:K((X(W86$?),/^(WZ)%*C^+M MU(%BS;#W;H=_=/^=714U6CW!+6"XBI8R"\&`[">>W0.>W0"<)O/DM4+!E MYK=`Y[=`^U":WP+M2SB_!:I`ROP6Z/P6Z-C?`JW_SO[G/LH1_`L``00E#@``!#D!``#M_6USY#B2)HI^OV;G/^#V M6;.M,E-6EY33<[9Z=N*84E)6R5:5TJ14W3M6=FV-BH`D3D60:I*A3/6OOP#X M3N+%03A(2,H/,YVE@+]$X'D<#L`!_,__]^MN2YYHEL=I\N]_.OSAQS\1FJS3 M39S<__N?]OF[*%_'\9_^W]7_]?_YG__?=^]^I@G-HH)NR.TS.3O]^?CS7;QE M37-R]?F2_9.2]S_\ZP\__O`C.4D?G[/X_J$@AS_]]!?RCAS]>/@7*" M?(R3*%G'T99<97%2,`4'Y.+BY`=RO-T2(963C.8T>Z*;']Z]X\:9E3_^RO_? M;913PIQ.\K]^S>-__]-#43S^]<]__O+ERP]?WO^09O=_/OKQQ\,__^]?+Z[7 M#W07O8N3OZ)\(:__77/SQ(EU'A?C&'?&OM]FV5O#^SXTM90O^7^_J9N_X MG]X='KU[?_C#UWSSI\I%_C'`2-W\ZZA]]9W8C_C3G\6G35.F*-:H;KXV^_4( M*7^_+-W2S_2.\/_][?.Y4OJG/_,6?TYH<1'=TBTS*<2+YT?Z[W_*X]WCEM9_ M>\CHG5S/-LL:-?S7^8G_.H?_RG^=_[O5_&<7]^XY%&_2(MKB^"GTC7T=F7%W M^A/63ZMS^1/FK\Q"!)WA5^Z8<7?ZBF9QNCE+-OX='YK"U.O%- M_OU/TL^*N.!?8/#9G_O>OVQ(3??9F@XLC#SX/]O;K=4OU>OHTC65TMV6 MF>6Y!4W>_7;])Q)O5&U7S9$_]O__'/K\_A['F?]KHFR=>T0^Z?A2U0M_KQ. MV7CY6+SK?9^[+-VI>B$U_'C5;R'T_97TFI$B)0K9/\\#NI-]EG&[<;Z.MO]) MHXP%KU/&J@$Z3,VJ[ZANYH!*E5(L@!KTJ["J%5M5GY+R8\(_)ZP!X2V6!;&Q M*U/XS]Z'MDJB1KE>XTR`/TW7>\ZT9JB6H%W;IOK.BC8..)=JQ`*Y3KD*X6J9 M5?T1*3\+!-KZ?DN!/W,?U-+F-:(UNF:"\QF;.!?/?Z?;[?]*TB_)-8WR-*&; M\SS?TVP`,E#;ZML;VCK`7*L9"^X0(RK8FV5791/"V[S[@S;#0",N#^3* M]?B7R=2X;SXCY8]"\CVJIKEG17.53G^ECFO'E4S9Q+_9R M4.N;]K"M:NH,<;EB7*1K;>@!KQ&M<5\G]4T;4C8*`?^&'D[M>D+&!KE4GQ0Z MS;-R0Y#RA&5C]VGV+*6$M$6/"8,6S@3HZXW[`);HF16WG^E]G!=9E!2?HMT02KHF/>0.FSA#MZ\0%[M2W7KP M2D1J]+8?$?Y9"/!5=%@*^X%E`.ZW[B-8IFG>M(0-`%FT/4\V].O_HO+@JVC3 M3T2&;=PSD+Y&Y-1#JMR0`@G=)34A9I9`>4,EJ9>2F^W1#XR/XRG,`:6@V6 MXT>M$!;D!SJQE^3EZDV+\C*I=EF^N^TD/@]C85[5ARGX!Y.S2H=[3Z`?O8``SN0[D1X*OMJ.`@+^M/*>@5/[T.]AT1 M.?!'.F>&_@U3JT![]Z,!P,N/$##-%6'#N*/3A-RF:0M6_J__)ENB[S^"\?=7SJXJ_[\?XZ_1-F& M^W'\-1Z&6NEG=3%5_[.)$-Z@8%!G6(9$-7M5^)/`HKD=_[7_]_"M5723DD! MO^6@OJK;C`-3([\<.I^BF/F[I7=IED=;>DW7^RPN8IJ?)[\E&8VV\3_IYB+- M\ZLTCWF->OX?>_;'(BKB)WK*HOHVS?<9_;3?W=+L\JYI=3B$NG=#-6\\&G(E MH3?7;!G]1+/;=%A`/2"V;V>U4<*O\57Y=Y+>D;S13-(OO&SB2UP\D+LHSLA3 MM-VS$>4A2L@ZS8N%HY)__J1S(W40+[W9[`5?S]\LZ!!QB#;J>W=SN>APR#*2 MVL`[9N$=-W%`6B,D3DAKAG`[I%%Q0#JF2&OK@+0QIVG\+:2@(_OUQ91QWC%C M>KA>9Y2[\Y/QH-@CJUC@/2T?*- M+:J!?4&Z+#T@[]E($4>W\58$U(]LJOHW/E-M\PC)^`N6Z0RW`!F$N&&T8KNV M48R/AH]#!=2J*3#`]*RJIFQ(9-XQ+)''Z)DGC,OS&PZ,U*'?QN0UB@^Y"K0W M%R)1!RZP110X'K9X[#0^(+PY$>T[\];7CE#-^.('H@N/'OO=?EM=QM%.3=L! M[N#NF6(J[D]G*(.J^V#3;!H+;JUQU5JKXQSGYCK?X MGEPF[>H(^9AFY#IB_^BL:EEZ-VXJYE(<'(S"@I6F0828X$4(L>*4WL4) MW7R@"?M'<<4`FA]O_FM?.FV*%!;"XS@!$L:+$@!SGF($W#(P0D`5KJJ&I&I) MKFC"+U\CYP7=!1@$;.`D#P&6G:P,```]"OJ#/0B!_)?%`\U.TMUC1A\X-)[H M>;).=Y0'JAL^>*BI#Q8=$Q\@BD=[HS%/I(?:!5(>IF[5D2!"A/1D2"E4;FO] M+N3"83\<47+N6_6TDOE&+0K>`ZV'SOH+%KS$Z#"-^2-Q._9WQ.>)`(W!!:+` MT#9").BKM(L&7+9,#%Y&2!A#S3XL2+M_4FAH-$T(#P,O0@\1;()S>7<3?9T6 M(8;2=@&BE9XG/M3V?*Q33["/$")Z&GL1(A418MV+$+&0>Q'Q8`0L^W`@Z^U) MT:!6-"$8]'V8'^56:]^/JGMCG<$.6!"W5[GZ0._C).%G%3]$6WYC]5M$MGI5 M?$9H(Q1"D M4;9'0Z"E!8E7;VSD-^EGRG_J>$M96.@L?:8G4?YPE:5/\89N/CS_EO--T_-.''$]F5QW- MG(-9K9LD++DHET'XW_E_K9E^\E@9X*]3I;5R$C7:_[IT;//(FW0^G`[C)[ZU M?L3U]6V6B]';;?J%SPD_IME)1MF(PK\%S2^3ZF6TY)Y]41H_\3VJ]G+U;F%AX==<( MCOAD%:_2[M&H5$)*+21-2*.'=!15)1N$ZR)"V=);M8'Q2[6T'0C!%BT/3XIX M$V_W_%1R6PA\]G6]W;,\YB/K3K[*LR^JHU)G4<;W2?(KFHGK&T>[[75.@*RV MS@_0U+J&-"1'4.=>N#YI`QVFJ5576[<:O=9'>%0A'8T\WZAU\EOWRCM80ZI5 MP89_ZA=Z@[B(9*$7(U&]#BQ<\KO.3]-=%">@,#ANK@UOW>9>PE9KP'\X&MFR M#S,#%:KP<2"NX">_ETV##`@2(!B)+N\L"(%;23,QAU8"(QPX;GQXEBN07ZEA^WC'[^/`#=!]G3BAN-:Y;-`MO0@HO/8<\AA(.W;Z(9/?MY'%:UXGE(OM M<]J;2G;V[A[9[#$7L\=UM%WSXA9^"1OYCB5)XL_Y]R\ZV@Y`CQ=7QYA#C:"E M>L18V?5WN:B8Y[2071*AJG*`MJ^CF;F]:Z0R6?!Q*S'0IC;0@'2LRF8LS:K^ MNG2J!>[_=&(7#4AK$NT1$F9G#L#A;1!!K3EC[;`&F^(.GC>`0=6N##H(%]U? M$0YJX[LVF"-';N]AVCHF#P+P]?79S?7215+R;AGA&QI0U<#U$"H]QD7[(#B, M>"^U=[6A"M:]RPAD_XL-F;((3?2=K14=Y+RX^&U^EV\UNRH=GQ?49I4]O]R)#Q$.7TUZC@ M2TS/Y?.%\LU]5SV](#-)#PK4)UC&'XVG.V&FTU3=J[8-:47%S>W7\2[>1AFY MR:(DYZ<[Q#,PM:;J)=`\E.(#9Z".:.^(&5F@F*!R'%LF^_62HI&T>L%1S?18 MA%1W,-'PPI$(7#'@HAHA#H50-^"*4+<@9-KQGZC1,00%L5=?7PG],T]9 MG=+;HO*7EQ7<%33[&#_1FX5X]IT,U)FH]6.'WH'K[ZB:,; MZQ4_#&_PCY-Y\`[T7!^:O=7IGI*(-R=W?(O_F33U4N,M> MU,-&F>(-/0PSTF?S\/P/C;?X#VYB>C8K::7/:O9*M+EBTFH^(%P1RVJ^DDHW M84'S_.8A2FZ^ MT.T3_96U?FB7Q,'9$HH58][D:,5;)';R:\9<"L//:0':W?**-RE?/B\;D;)5 MMSXEU)"+PPY0\$6#(C0*.QF$Q6.$[Q0N]6=(QU!\7(CWYA2M-:%\`?V`?`L> M\X+Y-46/,/,Z29**ON"%OLH5P-)6@.M9LRQB@5:N7N(RE9\9J\\%*=RI:2!+ M3X&M-\VSR(2YLE0RD&D4:TSYBU]4FIF7&,M',Q$SS(2BR7ENTI['`G>J`P(X MVHRI!%";MW@'LH^ZU8_BRK0X![?0QCAQ&]SPM=Y^`#L@/V=\4C9Z_)?7"907 MDAV(?W?.&P5SR`@)YZ"H9PTV:,0#*8:%.PL?`PQUX"@&#E`>8\\\8<4I8@R" M09OPY$V34/EK1\TIK(,1RG/";IV(0P[4&:U-1]-A0$=5$+%CG:3"P1-F4BE) MBR^3>B>5;ZKB+EA!=4]9NS+KGG.Z;?)FV14MH'=H\W"0O)F)75UY=GA4?K7.^\6\&7KQO<$.6OF] MTL[B5;@*S\`)WD]EC$_H/1>]\5^)KW?8;TVNSK:Z&G^TR5MN[;[4T`WE#FI] M+0"FV`6V"I.X);;:[Q5R<`@@`P1ZN5A(0"_4/SQJ8DK'G&C_+9@@P_JU19,P M\\&.HV*4;+\>+X3Z0!EKZ$WT%9SW6>HSYG=@?=Y"-="#&1?D[#R:%GUM;*SD M172A1D1;B((BWP240`,<4#4LD%GY&0*G9DAS++WQ3BASVM)-/J3D.R"W0B-A M*K_QT("LT(GXTC('GO%@9@Y2?0Z9PT#?`E&NY\'\*SUVCF''N[&-<0(1]@*- M+50=(Y<2+>Z!JZ?:-7!)_`R!6XMF$%)OO#/*,8/@^EYV!C$/#Q$S"+]$##.# MN-K2S3W='.HM4$FLSKA6HK4\+0BI]J_/DB>8% MO[JU<\*&/);-2923=2,0:CC180H4.@Q=#8T2$C6PB*"T/S>X9QAR-991D6T: M2LE5"_&3-PMQZY$0&^-ACG"F;0/\DEG\\M@02F&GE[T:WP-"\\G/+N>PG)5_ MG]=0?N:IU,QK32IR!5DHM::AU97.5$/JHU[T&R^M,/82B!EF8@$[;&2?7DS4 MBW1V>8Y4P]*3X,XLXZ0=4VR]A;/*$\.?`ZAPSRU:1L))?H=$S6#.)2,E+9., M89U'#C]["8W$GDX?^V=QF%F-*3'S=1C%U^&3<`Z;(!TN\;>:,N=A$NGAD6IE MY855(DQ%-LJD;H:C(%Z*M<,ZZA'FT8Y9CW+X.[KQ6DYIS,UC]"6:N8@<9F+3 MS]#^'A.;S!53E(O/K?;(8;X$*BBK<]TO=UZ?,?H?$S6">)_:WRFPVAO0L\8M< M9%Z4PYX>(?9/XI#F8MS]3NG\Z'T(0_("%5?D*&9QY'!G,NB]C@[H@$W\`JDL MUW'#"BU@\&@BB$V'ZN.$29,N',"\6`#+WD9HJ'%L(,O'6S'&]HYQ!7^%]%S@ M!XZ2OM$?TIBG&KR;0=KZ!36@'LN9ND3/3-G_R/)B,W&5)Q@)OEQWYS&;%_"F M&11Y$Y)P+0BFY=PCE5-R;(5?2U)C]HFPT@MOO)@PT6V)Q/X=Y^MH6\Y]JS;/ MW^BE!E)H_`IS_)ZV23AM)W"N[3ZWIZ&F5R+A[=Y)MNCZ^7BH;'?8?G/>8YNP MD3;G^TA+O'R$^*;1A->*PI]"^@&N_>4=",@-L.>CV*9)OV==2BH&SDF*&!4(/BM&.C\W!Q_LP^K]2[XI<\$V:8G^C7 M8OBHP4O;2)V3=([3RSE8]Q(R`;'+BUKGA5KW48`%57E%Y@"S,DXC*HISY0+,P6PWA2V MWOV=89MWZG[NQ`4\C#W;_N:L)#;D3=._ADKW:?M%+ONN=AM`,^VD3MXR=7D4 M!F6#=+`3VGY`HEJ&,$`2`)5]Y,F`K*-FU?2?'1?"1TG2)Z9V&8&8'I5H;Z#]?;8^*;VSTP5R\Q>W<504/*@7#!C@5.L M^V8,)G'NGP%]KY"C0P`730&]7"PF(%U$U;PSUW$X56C!!O[TJE&@2 M9D(HAL;/G==+N;N?J/WZ$%21,:4S*_(6E4VF9UP6`KHR+;2"E*_J!B1NGP>[ MYX^#D^^V(G_Z_@7,3\&P!,4W&X!`XY=))RQ`P3Q;E#DS)"Q0-_S1QIQRE).1 MAEQ<#_F.:_I&)RUJPN/3"QC1RXGNM$&\+VLW;M>R\P2W,2]4LU$]C>M3\W?N<>(_N64:%K/1*&O2CG"^-N MXQL"R,,/K.Z$!5B#=W&4$!WHZ4 M=YC-QF.G%@N\QSBT.B,F9]J_'QO%`B1P5[[]P]N`[J1-$;B[B.WJ>Y/LL2D:DTS>J?D!5(T>B MR]5B)J1:"SJZ:@17_#.2\@_)EGU*XOKC91EGZ,G4YG?O$T?>ODL.G<;`\'^> MK-,=C`7]IEHNU$V],*)4[I\7/3OV[.B(K\ZB+(F3^YRD";E]27P9]+F1->.^ M@7"GE#(SJ*O=,[1@^1-\HQ1BSP5CAV\29(K4!@ME2Z8K)U&6/;/N_$P?TXR! MZWB7[I.BN6+A-,[7VY1Y3'^ENUN:#6`^4;KZ&:VE'EKAZK5J(*! MU?%HX@VL1_9@O2ZBK$"!ZQ$67(\,U0TJ\8D@(O$_:/T_=PH?1]5YQMP922ZN;\A M=)=K,;->9WUF>'M>;=(;QL2V?LVIE".U(/FN%EVXAG5N=%M-%/#A'>`BE/S* M*5AC_;(3UM51>O7HUT.!S$W(-'O7/#54[>]D+/Q.!;#7S6FD\68FO1P@;\2\ M8B0(YK8C'U"S6P6:A+5%`SC-BO@N9OII?GEW2A_Y-8B& M300+D3J8@T1<&0GY1Y4S>J\*A`B58$0*>(=)9M2(B=?XN*!I,4# MS8+8P;9!23J]%P>T!$CWR`FVMAQ#T]V.9NLXVEZE67&7;N/TFM[S.QSE!;7` MYC4SC*A-#QA["+AS`BM4&G#8+`1IS11W?:VOQUK0C M5<-7CCW5MAHR]L:;:4OD&?Q,]%E>L)S(D&&H&HYRBW%#-(H-5?LH3C49@W%+ M*MPE56@44G:OE#RZCE"Q9B@CYXM98FUT6Z_D.ZU*+XN!-@^Q\CD**K$'6Y1*[;!/^1R*K\*\GYG\E_ M._SAQQ_)8Y21)][BWTBT+Q[23%RJ;YGG[P_ M>/_^+P='[_^5EUY<,_B6D'G_XP'A'56>O:'KZJ^'XJ__\F_+LTF*A136?V/B M=%L.Z3+6$@)'KD4WGHM.5%-%UFK,F'XK/.)T]7KBC\0$D$8CR9I-XM.#FA_? MQ4E%F:6W<@V]*L>^J@N4%.@**)@PUAD"(4[CIWA#DPW?'A8>\FV&JRC6L,,H M,J:*1@2/-THCGDADL@=DE%Y-N6G6M"'\`\&N3;K=1EE.'MD`(Y@6#M',`)&S M#M2!2@HJI15\-%@+@9QER#AN$A+3B#5NJ1JUNBVQ1ZY6M]?1:V3&:@0;2`]& ML4X.&.Y()NEMW6@F[Q;#B-8*:4>UH>X0R',599?9-9^I;4026M-<32*3Q)A, M:@D\4JEL>"*7P1R09%HM`[(U.ZE[GX[8#-8RH+6E]9DAC+G&;6T8$[WE.G@C M(E;OY'@FOW-!(B277QR?%=SJ!?19T+WP(GO7U\^TB#/*-U[;RQQ4%>OVDO+! M2R^)2WR=+>2LT]*L!>F-VA0C5CBUR!.@HZ8WM$^UY-8IT7#;;'M19F?T@3D; M/U77H7ZBQ>7=3?15PF1#RPYSE2T1F*K0C7\LTFC+1$>=]*K7@)]Y9"V69YRI MBU/KOA@S2B$T9)!6MU\V^X"\Y\%^:S9190'I-@-,D:.Z(6SK]&KJ6%E2W8@!IK@G7_>8>N-8UX&DU M`EGHC%:OC]7J_VV_Y>A.143$\?DF18""9JK?,1.M*FM@VMC(#\+Q&>IDQ M5\SI8S[A[0.;I/M`H$6L=X'@LE$_85.$_9I/(L3I!$4ML;95$^,5K9P9)M7K MX4B2SHZ>4FK)5??#8$H^]?V96OWX0W9(!?JDT.CT!Q;$**RU,1$IAP.HA'58 M"`,PRGCJ@IBEH^=^1S/@D4](XTXLU35&8(E:/>[R(\"2B3$&!:NZ34!L`?1T M.J4_QM11RPT99+*P((^RQS1C\YO^6^8*&@':-BS2MG4FD4:[A^S$;$W/(Y/\ MJFE"+F^W\;U860YG!()T>SJA=X:,THCU"674[QM?B`D-P)(3N`Z[Z.*-.L_L MOEJ$*?,=+(@MF_OD;/`H'OAM9T\T+_A@DI_2?)W%CSQPJ!<.+>6:6`Z6<^8= MT)*7-44[VWI2VNA:?:0;FD5;\@M?Z.%)MGC.J*P?7)J9MI!)'7MS2%B@BCYY MK>S.B5G$<,GAZ#3=WQ9W M^ZUTSB#_L/IYAA\Z,K&O#G,J+=6L8Y1$8%7_+9"D2]$S*>3W[,.[WZZ+89F& MY7#*4CEQS^!CS"M#^.VPG@QC6.#8U=<:U5[R$5`AG4PM^L8/4AS;+T M"]V0NWVR6;B0&MC;Z90^&7!%*]?C#L""=V"AY2LP4VZ88IF)F-^65["*9D2T MZRZJO#Z@*9(.3*0MFEXP[\[%'@3/@)IWYB3Q6M.J$ZBEK1"()-'K*32K+9GX MHY(,+ACKNC*U^MW'I)`(#-F@U.D/)ZB15F-C(D3JV-I^'.23FCC8T434Z>!9 M-H;>T2RCFU[A>I8Q'(BR];_'Q<-YLN$7!NRC;;?1V5?^SW&PQ5'71&57= MXCCCFTR''3;U3FMV%)57V+>J#OHMS[YQ#P"HL,GW8M*$JY2E.AJ^ZBGI@U'UG*'/X`SJ"C:^7V@!$6)N2FSLZR6U8O([5TV$[J77 MX'VP8FK!Q59Q<4U'Z*<;JZB9[&[)]]!FR"JB8QJ40^1 M3V7,=V0SV+6-7%IUBLC$#]N'LM,W!4&&*`+I67.44&DQ10&]]<597IXVNHF^ M5GE=%8T4Q#:T'G!9V1J)O@K]/ABK-P4AJ4Y#=VU"G*`KHJ]T\:5M6)=+R`?H M%SG?%((RBFEM+,DJ-HHS_B?E"7?&?QYDN_^^)YL2B/]SQ^9 MF<6#!@9D4Q_`&84Q#M^B\#'?;'/:/T]NJ[GY\G) M/N.7=GQDWR[:_B>-)%,!9,7]0(:B&">H(;CB8U<&US5`Q,,RIHY^?*0/*M!A MPGL<])"!)0V`"#8DP1#-\Z`8BKG/@^S6?/0L]WY$\M&[K.^`-$I)J94T/.[I M97,<4FDFI6K"=7_CLS4,7QZA%]XQ&GR3MA)(LQ4$EU$F*%(9],@FL>)AW@0R M:!>-5'JD<:93OA76YH@%3K21P="-)LY+Q/5T5MH+B*CG5<4./V=D9*BLL9*: M_<;HG.RJ]TM&B24[%HX4K.J_L#0\7_AV1F`O:XFEZ@L3H[IR>BJ-+03$H4^T MN*)9G&[B=?57$)OT8DI>J<30&28W9#V?-EW`:VG8CGH:52M^;^IC]2&YK0;" M$`EI`(J6FN9.-)%4KD%/5YW5&7'J<5:I-XH%4L6,L+SSMY9I/CIY,]@%S]-P MP1O6'$ONI^*)AJGBEL,0VF,-M@9G6.8%.8#!_/X##KSB(4UX=0._Y3M1#5K! MO.@P&6D38H'Y;0=;35-"@_:5ASF`/_LX-S2.C7K[<>_-P]]Q2,3"?UA#)*]@ M61>4O\VRSY)+L7M\G.>T,*]&FD650Z-.%#TZJ(V!A\2?RL"0T'N^]&PW*!K- MVX4&@[I5_3G)1`-2[5B22+0)C?D`#&E9#^M;$^'56O1D-UF?&!SFS84P4 M*P>W!MR?&W"+=?GC-PAN\'#F!]T!#6-E809WK]KW.TXVGUA'E?]Q$4>W\59< M2ZD?TJS5R(%4@-3@A.)_B1YQ M,RV;(=9_#(+90"B8Z_/5/04JP^^+`ZKM9?:6YF(GC\_;*IM<\NGQU]B\UF.A M0UTJ#]&!7W-KMNJW.`;N@&4=+5"OO&)67/YX*?)@^?'_YA5LIB>X!6,;..I+ M8>W082QZ-:LSU+="_0DHOES3["E>4U!%CZ2M,E[TVJ+'A8YVO_P?&[+C^5!^ M5?TAR$(<6?]J":CH!A/1.F)Z0HWT!T2<_#3=17$"&'Q[[30#;-7.PR`J-/L> M*+M&;`?#5M9QP"LU!3CD]4%@&-9&_64>NH2(:7CJZ%V028]I'A>YLI!'_G'# MF^''SG3I*\1EB52WGAP2D57]U[\NC6M%WZ2PWW.(XG[+/GAE6A;'K`*K"HRB M8=-#37)/,020)1!ON&:RJ?X6!AIU*#2C3X8ZI(7K5AGB0G1?*;3G#ML8\C(Z M3;E.J^^U9==12S^:^[#;V:`B;FA:#D*)M"420"6Z/>PQFFQ!D*R2#@S;NFZ5 MP-WP^\L)(!&2<4*IVR]VT..=QHX#<#I1,=![_C$!90BI;HA:./!F=!U'U=4X M61'_L_QWLCE>5S?H?**2B8:-5!N085+N!(/809ZM6)@TT`ZL:=5M+*;Y44=B MN!V.)!O2NQLM0I*KM^OFP[>@7W,^J_,*BHQ?- M(II\YO+N,WUD:'J(;6G)5?[CT(HNA%U.KGWQ($:E`GQ$:G?X@@IBN:&U, M1,=A"P]2?GQ`F@:O`2_*W,8%,$MF.V=1EC`W\BN:U<\,Q&M%B@-J6_TPAK:. M#-%JQ\Q@((9T7#'+K\2?"*T:\DL/2,Z;$H:3QWU1KH>$DKK`()!.Z*D^H;1B M75H!]`?#K=-XNR_H!L@N16L%OT:MD1DVT.^38W)3-BR3:5A5?WRI3%/!0<,U M39_IV380U/%-:B,8QI71(-G8,<\@I1WA)%)>QKJ1'?1U2SN[]H.@7-/J;$S/ M6S%"\BV!3<7A4$EJ0HYQ8-1V*V2('"DP#Y8*F_/!%FU28VD3";.''="RYD2T M/R`?&M2>ODG4*J9*?F$;TE3JAGXM/C![?QB&FU$[Q0#3:8?,S4:SAU4HDRT; M$O9E^T.%:!`6K\8=JV&2M`_TU&E$=&09Z/6)'&]Q?&1E,FBDL9K\SML0T2BP MT#P=0L#P:X^AD$*L&`D@V3PD=_>3\LR3ET_-PLM`RNM'RG5)\J[*6[Z+$[)) MM]LHZV3BWX=%CG[/FK(4RTS:F(#XRY+]Y\23,^!A#&TG:>^J:=KK!(Y-,@M" M3DA1M,JC8>N1L'5(7^N/,ZP[3E]OE`33>NKW$E@Q[&#SRJ+UBB)@)=%+6.WH MM@JLUH/QP-!$$*DB[.;5HPD89^W@%%*L!2Y!`]>*=94W791%7M6K[ MV*X$!+I$.Q4YP'AJ"YU%(VKY6"2M[@2ITVI^H=>.O^XKMG$_IT^$_:N?+K2MSX_C'-JC_Q=H?#.+V(\3KZSVS<-3S,ZB[^ M2+6$^]IH-K]#JZYH^?Q*1K=1E7HEM2T2"6,'U8LM_+-;&LS%A`MQ-@V!"8.P M/ZL?O<%D@5_@Q84OO)QI$=?#BET\OZN,DOJN-6'VW2VW2[J*#TACFAQ7H:P7 M^<0-9:8%:8T?5&_TD+LT(QT'OL6[Q:CS=@/>J\S)6TVED+CZ[>8A2BX? MQ2/Q^R@]6?B[+#(@@GRSR^M)\1`5Y"'*V2?E$'A+ M:?+Z\WLPZ><8^FSX,],@:')IEO$0]KN\Y*@8_K0`^BV"#8BHDP79/*&KK!2J M;K%EH34AE2??PF@H:/@61U4_S')3C'_LXT=^V0!_T"[)AY%:]7&=D(\^=AT1 M!@I1"U/DNK714R:R^KC/V`217^#&CR'0NLW"<4;54RGLUQV0(6^A5%_3=?[3+QR)KWN3=^HA_MQ(Q3@#]7B(U]AP0Q]J6"-_?9#_B3F MQSB)DG4<;.^R,NWMO]C'R7LEV"SKR?V][LTVXF)V$6EH(+]S'40H63APN&$Q M181&/Y1,4M>-*0[^+!]R*XR`""V5 M78F_$?''()[/-/>HC&JZ'U]!IZ&(E#)RO2'0XE<:\52`+_OPPW8&OM7RX;BO-EK0I2BF`8' M4DL6I#2N==+VG/]!#!TW=/V0Q/_84^7D$R@VC-)&,2R2&0SYB]\PPR`&0E2M MF@](\\EW^<*W:5BC1$9(BQY4D-.@0D6L:5SQ!-X@1IYS4'">;BSBZ99.5LJ)A-,5A#3ZE2=:;\=SPJ8Y^]<5= MKWRYQ44O[OK*=$\\+J@X.V6Q@N)H2QV/&@6BXK2K@OPNY,-:64&`NGHI!0=E MVK63Z28TBR6N?K_H^'AAJLC`U(T8)R_P*S@PO`DM7@X=\QTS+U25('4)B(B3 M';UU/-T0EM-IHFFUKW817)4(*C^0@ZL4EO@!]D);;8+G__*!MCOX=[V5UJQ: M2ND6/F12/J:48SM>`AK(I/5T4J%IU<_*@BA.M86&:QSA0ZW8*JFEI? M&M3TJ1O5/ML/Z0H1W7@^$O$QF'^>>227V[,>QF5J5I]?P@"N`H)I]-9T%&#H M_FPY;DNM+4_"]E1+KK@S'-)T2#II4RRR291[(9G:#HA<*G'5JF8PET*#.EQ& M+D/'*$@ED9*22:E]>1*5(R\_$!UEY63[^7CS7_N\$!VKSW=-4O(L5RV%F]NJ M[/@NJS+8M4AFM9K:\8V/&?W'GB;K M9_#I(ZF$]@320,++*:2>#?\GD63F[$\CC;7T3B0U'P=\*DF.!N/))&5W04XG M]83-)Y0DMD(@8?//7V*:L=__X?F"/K%NU/(0(#2FHE8(CXT:,YX(:;8(Y*1) M46\[M&D3&BTAX)`S$]AU2G)JY!7\-%IK^/[)+Z+UTR`[#M'M4@L]#$&T`T_CW/'X\B3R,)WG9'^,4O7 M-`\K[YZ"5Y>]#<"S\M-U.NUVX#Y,[V;>UT1T@AO^^"2?K@(W!@E7182N4(;F M``@%F^XNPJ@@)L6=I6'C>*YKJ]G&\#`JR[3;#KR`YRD@]FPW-`8#J&)'(Q`" M:WOF>,!1&O MNT%B/)?47]UB(ZNK!5'+^B@*45GS7AUB,&Q=)J+5UV5L9Z$EK,M.K`!DJB&! M]"N@F$2EQEA5HK>_/-.']Z*,#_28\C5[#:9;F'0:?%VPI+;I;ZG%VH=)=R,9 MM*ZN][M=E#V3](Y$Y5&477WT)"JZ2RIL#IBDR;NV9OR6:PLD:$Q`(>3R(Q@L M@/<:J96!KBPR^;(,-?`S5GO['GBA.VPO.S4B*T5+K9*@4G MT`H)3=H\DO"0+`]L^$Z1Y>9L$V.9EM[&HZ(V(-C<6(4-0T:LZ3QS'CP0-F6_ M4EO+4Q)X\K*\>]50<^VB:^*Q[X&NF8]Y]ZPO>:Q;Y@CF,>ZQ_C)=P.MP)EN)(;N)?XM'[4^/'^(&+CY M6X^4%C]GZ?Z1N:H]L`D0&=$ MC3AA^>T^I#H0*&0LTA&+U7J#!INTQ,^Z/,`8_F(\T"@67`_MDN@`E]T]@]BT MP.X)Q4$LI;1J%'MF MH:VB0U"A+PK3]IJQ-&PD;:@04UA;GI%E1;(X6_1>?S&0NJ7\&$Z_)>ZA@*YN MCS=_2 M3M+L,:Y*/=P8GB-:>LQ5V)9FD0E7W3;&LI.47EZN/I M^0E?L2L;+TS2J0!*<3IU0&=+33V.3_)B:>+_DN[H11HE'Z+DC^M"L@1O:-8G MLJ09#F%'BO&7U/6&`"R4BZZJ3\D#^YALV>?DEC4@.6\1!/?4?3OFF+8?I%P: M24@XH]#J$3IX:]L&(U-Q<]@"AW].>`/"6Y#KUP,$G:2[ M79SG?`_V8[S9K^,H>V9_OLGV>7&\+N(G42TVBK439)L`;"7K3"T+:[@YE+UA M/05M]:W$'Y?FWQ2@I`C]-R2JA9H^>ZWM+\?H>I/[O-WC;O[6*?V4;7LI*[XQ M==81`$>G:V3`\`(U8B`ZI(TD:'96;356MQ@\F()O5.RF'J$S"%88ZGM!#,_? M,(-;6>".%M!<= M_7ADJP,G"-E9]1!Y)CD`"#<3]*X:4=+*BH>BA31IQ0\(5T"8AI#JV)VP.(X^ MTZ$A#3EVZB1Q9HH_80>7DRT;RR[O)&WE)8.8.FV"CUGG','(Y,7LP0GHD'.P M`ME9B5:\?EX>Q6Y8/X12Y(B*8]O`90.C"8',I-XZL,'\#2G0Y?_ZXTWZ/WXZ MC9[S*BK+BV3L)=5!2RV)'YI4MCP'((-9RS"CU;;ZUQ\Y3O_'3X1_WDEVPBC! MF0`QZ?B>-="OVDQ08).:#!3,D8?T3.)7#$QU MP3G-&"M=-5.?N&G%,XQ''@\V/!Z$M08S!6NVZ8.R]R?D"CU=UHF!Q)-%X(]7 M]3#9/#[V#ZU6`X3X-S9HBB\6H,.B!1MCCW]--^*!&/W=&K9RZK%2)8A)AKP$:\*-GO+EKC3R7JS#06V-D MIWMF>"4%!FDT"9E-BB<(X?0NC#[.A[$&^<,PVQD]=./Y70[S\]6<_:;M3 MI<,F1HUUS!&6AE:7F=PKO'".0%*]G?PF:V3Y)?I54Y*+MB\@]BAA9QMN="B8 M$&&&ZJR#BMR?I?@P[VQ?Y8$7,MC-^5L-Y/H;1QRG_EY($M@"0'[V#^;>35KE M=C-M!`EGUOI]DX8;NY!M?=9/V7;=8?[C:;'?0, MFV[6*#!OP8%4FC;D+/P**;X<;[?I%UYM^3'-3C*ZB8N+-,^IS5HC6(4ZJ@!4 MX`<4HU'/L01JWS*,P-0JDI9&F-RE&2G%22D?]H(E'(3Z^&(%"F-H,6HS1!6@ M-R$%E'&691%*`,(V"P)>PX?&W.R+D8XAPZ00/L,).TA`X&4[J9D6ZK&U[@+ARU4^30)<#)M?PEDD!7_";@16! M+?9=I5EQEV[C])K>B^JDKS$@:=9)J8=%N11^D)#9\9P?:TQ:A@*E)BG[2=.< M5.W)[UPBO$18"QD]QTW]::2U3(&!RFJ;(;&W5WYTE>9%]P_CM/W(LHK/0B.P MO@^DT7/E'\"'.9+EB3ZYE`Q"K:QXPW?=EN1R7^1%E&RJ\#./WE!V0,3^_<7(:OEX"*0.;,BAG M.>EVR_[T)K@O\:/R([",/7__XTWZETD7 MW1@D-56[2DD/=;H*6[XK<_5F;6MQ==I6[\5%-W]Y.1?=F(!CJ+D%]*BYRE:A MQ%17J[4=$J_EL>AXP_X1IPF_[Y2-&3NQM`"__,9!J6T:;5`Z5XZA=6.1F3S$ M(Y0LQ&QH=;W?[:+LF=^G$_5R$?&:S[:A9LPDKY4\C4)V>@.\W<2'7 ME#0)#.V)>9-6_Z1,"N!Q2"'X7,".;B[@%<=*$77XE(C@!\>1$<^A3V7/,K#) MU2AF4W7CL(N&U0C1QP!M#QH9/I(V\%=A+2AV=L:=LWJX8.'FO!DL`'0%Z]#P M%Z##`Z&-5N>H7R-106BR$7>W"[_?$H3=][`=,#Q.)CV#^,@>Q-=%E!6( M,#["A?%1#\:W]#Y.$C[3>I-@'AX,FA7,XS-$B^93I7O_P:9S'[# M/[NA7XL/S)T_S,F5E1IUI@54@Q\-0(;G6)&T<<0R/L!5=_=5[YI5F:S11-9E MJ1?]^ICF>_9KD]MGOLU*LT0LTT1Y'M\G=$/NLV@3X*4'=FC5!QIKY!B##DBC M(0)9>+4@F7RN9UHYX8M)BE7-NE2RTD!:%>1WH81P+42H"6\'D3 MV#IG[P37]?XVI__8TZ0XI7?1?EN,EWD.S2/[9)7`4]!L1\"R#?=:X\BU_(R4XK`%L<[;0%D-W13HAVF[.=<&\#X=UL M1ZYM')J#=-!#UZT^4BF4WD?XC9P@E+T,=@:6>Z@6/NJJU9'ZM.OP<47,V)L*]0D/3FA0JW28EVAUK,^,W#G?;]M8!@3M7:O MM;U-;+L\R88`[L#&K/X=<1D%7I,'W%^`*X3>Z0I0Z/M62:,+\]_H"G7)Z5I) MF)$5:_=N]WJNS MGP<#.N0\KP'968DVO+!1'@1O6#^$^DR%`XIMYS\V()HP+S*IMYXPP?P-*<:?2)$V7>((DVG?N MNRMEPHL;6M`8[KHS]*CYGCN)`M,==TJ;(?'WI'/=U]3K6^`Z-$5Y:T1AT?3C:M+LF>3@YU=L,,E56#ZA'.HJ4W\M M#+;9I9:!KA#[VJP:6YEU=7CZ9I-"#WAE.,S])`U0;%:%K?>#QN)6*\)A[N?H MC_"-$@CGD_=JC5,/WLLTSGW^=^S#\L?NE3ZA'@!66)$E:]A$&ZY\_9J?V9@F\MI^QA96`3?=4I.(PM M:7?=]N?LE]G"GN[-/%O;SOXAG=5]W5OA"'B?=NH6>>M\NIF)1VZ7VVIW\VB) M`_;>MN9=#4XY7O\R]_,#Y[G[X?J%B;YLBI3EQ:]I5MQ']ZK7HY4MFG1%TL(Y M=HUTXJYWJM3KHXA<:B4^(/4GP;S>K.ZX%/Q+#TDU:MRGAD+7L@QR M<\P(68RV`!0?U\@>?>P*ZX%"'^FPW(06US*1U67QP'HWH]&6T+Q@D8ND7Q*Z M]&WWJ@Y+83_R`,Z#ECTL2[5XZ'^\K$JAW+;K66[SF3Z*`8S]G90?O,QN5^4& MEOV^Y`C]P`S4-OJIS"T=02Z5COF2`XQI".` M67[%F^0D3:K'RO-TNW`0A'5S.J$W^C31BG4Y`]#O&T^P*/I3":B$WO-,7#>, M@@PZ`4N$V6@;_Y,_]O#Z(:8(Q7@8"RE(7]/U/HN+F.:?Z'#E&-16$:0';9%) MU=..OGD,L69#J+'\JCW42O+FTY)PREE_^@IU1/344JBWS?" M?(=MJ4$GE!V^/9@!0_=TG+E7RQA-6+U+9Y-P2BTY(>RH3#G)=[S5]SPKX`WY M]GC;](!\>GTX4SPNAX>S)1^0^SE--U_B[7:8#0S^7`_\S9]=B5$I0IUS]75J MP=YMNJK_:V'@#G_R5/]S#=!8M>@!KR>U&,1^27?T[!_[N'B6KN2K/JZ^W_AC M1^@-%6)"4*%;!T6IR(K_E91_#F3=7ME-*>RG[<-UV+(+6[D6#[UNM<1IG$BH M+-AV_N%KZGU%CF;;_4M.HLM=4;J1;+#^/2X>/M,MS_Z;O=;Q348#1*+IJWY2 M!'V.W'+V`#,$8SFCHRV.C=7G\?6+A,NWU1K+DAX/J:DGL/2CBK/J;AA"\C/$ ML'7.W_5E7IXG:Q9K3Z+\X4.4Q_FOM'A(-_!H!5)C#E(&-?YBD]8P^CJCHR,3 MPY%9]:IN0LHVXE+8^T2L__/V1`@$&XA@((3%'S`@P&%'JQ$8;0!>+<@1M#(! M5R=\$80OK%;BB@M&!P0ZZ-"&E'J^L4V/!"6:PN`#J=G"`4&H#1@J#-PNA M?X[$V>B`#^B;$^9OU#!A(@QN!)L93Q](74;0>8=.A#&3WS,R<J/Y]:Q"V'[V0,>Q>KV=M$JU^ M;Y)E5/P>&?.V;V%:50LX'\:7K!4T;(E^2K%K(6PTPJHA8!K]UD-`?)BQ(L+" M'8>:"+`5=57$I_0%K*A:PQ9>&F&+&ZOB"(ARB_((N*\A1K/\AO__&_JU^,`< M^`,>M!2"YM@T$O07@@:F9HHTF[L83'^Y*F`4 MT/D18C#HEXLI?DOBT6)4F+_T4>J"'QY,*'NL=+RLFD>/9'&M=_3` MED5W=(5+U_S*-C[[/[[-Q7W-E6M7(.!7"]J9JPUH26S1G)U^U[,*G M"DV=G5KUS(!FCW0Z%^;)3?3U-,[YC6_[C&JYHFW9XXNB)0IGI+KQ>:,S M8^:.6GI5)7NL!3G[^DB3G`;&$GTWCYAB[`\96Z1"8\9H="_,&G[-QD?VH_'' M'N)DSX;&RT>:E2]#?*!W:4:;;T#S7^,DS>+BN1XSCY--7TM]"IF/GNVR]?!V MPP4L]U@]DV64*#&+K_AU4K/[;@YE\WE3A\9;H94\9NE3G#,SY3L0Y6<%MQ)" ME)R7AJ.H.SN^95%\%B?&H\*,W_UEQ2*\=8+Y_0XH$!TVD:BZ@8SSGK1F26NW MCE75%2K5#+JC[Z!>W!->';"4C^4P:;9A$^KLF9RS^0"_RHP%&_YH5+K=8MQ;OG%&O85JLG0!YK0NU@Y`96W&DX^AZVP)IY]O>#T#WY]I]X2 M:-XID5Q=!9U*J;M5-ME4]X%BHMD7D$XR93K]809YF%;:F`B7P]>.%VVLGPJ8 M(&)HNUBB+"D#-%4OY2&6C6F4VTZK`8_"`,Q9+NH-:\)&JWJ!,$77S_JU/$@I MET;*L)JG+]?"AA-^R-48TO)_SY-3_A16+-N,,#1L<:QLZ`YIA6K\`C*3*0/:=<(K M?HU[7+5A_R";ZM/%\6_JX=2V+T:L4,@,"*+5[!5$F(F#PF%TNNG,^5EB MLW?`CIM&A:NZ+>=H5+9F_ZS*'-O#1*'1%@0K+96AG6UBMTZ/GO%F#V9'N,=! M!F(:%]SJP:B2;.MYNT6^BS_GLP3:P8.9/[B'->C5;EY%S]"A3BVB'.!D(NBD M'QM!GG)#[=G16Z%&/V(]EHU#([`&&EK:ZKO.Q-6QM)ZA*FO+TI)O#D?;DW2W M2Y/KAX@Y>%P467R[+\1AVU3\[0/[`AOFMRAJSC*&,JHH7$12V*6THT(,PCNY MX&>-`L,E8\1P-[(ZWFS^2D[C[;Z(GRBA=W=TS>9JZ1WA5,CB-3\YGQ=\K?<[ M%G%R8>3[``(,#HR'X0<-2)+@Y*1[%+H0/`V">;@Y-XH[_FE7Y^:E(E)J(J4J MTM7%N[TAYYD@IWA_D[=\=\LMD,H$Z=KXQD\CW,(GZ+(S@J9Z[31^BC>TKF*K M*M^2>^4))5O!)I6`"SH'+J@IW)F"I55]&+)2MCK_='/V^>SZICH;^->E`X0U M2%+7[AOR':JCSVL[RXO3MYK*G.RSC`>89,,KG,O_4/`6(#$@K%8"B:D:&SXH M:C8'X:9)R^HXT.D['`D25@*[2DY'C;",AT9;BQ.PJD%3D&WPZ8!8S:=()*KT M>3@L)],/84A78G5S>7-\09J!ZNQ_7YU]NCX+@PO#CI+@7O+KRC%>'S:6X+FG M`[_7$:=:4MV677[8N7DGD%K-*;VMG%'8='<(N7[ECB&Q5[22QR[TE'V@U\?@ M+S=A@6U%YET%M$!2;U4WJK$.3ZH'`AKH!Y8NJ_-ZZUFN]>QVAEFMMY'?:-)M M*BO-#\J);!AD`L#`:O[J,F^UFZ^BIAIZ,^C9A]F<.^RZ.4J4;$C=M+D"K6G] M>I%H2'`PH1A"&L0\_$BK$[WB51?VAPN^0SS>384*C`%14F/"UIZJT! MB:A3TN?A':4Y21.R#>#9'3@,Y-0#=)22>0I9!?.TED(@7C\T7-/U/HN+F.8? MGF^BKWRIAU_=ML]M]Q[`BDS9&D"1K['4:'J6O0JH%Y-&7ICR5>=YBKR1"&1: MY0`]R+AL!0+@<&W4"1K&@9XM'F2JB:?R,)6VE7R1`_$8E52OEV/8.DL6:QW] M\U.AG'+1=Z)ZB0-R4DHJH%GB0#XCI=3M:W'7[G241G2TV'L0S*DH#+S`EH$M M`1/"?*B^8B/-LO0+FZ<98N:XG3QJ=MOALJ+5[*&R4V_)@AP#V57YW_PQHWVR M"8L1DBY5`'%E4G`"B$R%IF MSI5[LB,V^F:#N#INAD21H6)OVP@*0Q".2$57G\YNPMPP4':IA!>ZGU_.BJ&$ MC!1RK1X1@QY354:FPN5P_!#0=U6+[X,X%HD#'4-$G8J=X.+I\1W[8W-_WL_`Y.2)0U"NMBKT;8![^4YN:)TR;SUG34*Y3%='+\D?TWN?I\^;?SZ_/+ M3^3CY6=R<7G\B?V_Z^NSZP"):P:8B$8S2-"W3] M:!1Q4=*_'91+$R[^]N!N,Z9YPGLXXU^[$E^MPVL'/&5KZ0@G:8U*\Y%^'YM: M>E-P&LLUK*K_"(F%ZDY6TD[;$SJ:C035O%+86)Q'TBLBQQ^-SL&@7`[9*O-S ML@5X+>2@>3L8A7`?I*0OI"=1]#=!MJWD9TL"N`-2R9:SKW3WJ%\PTK0WQ_:Z MO;_H7EJ8*;[WC$V,\!T=JT]I4@0>Y@<]#@OTXTX!A_I2%!CLNW86IU=[%9." M3^,&`P)U&R`QIE7I;1-K9`)"C('0^`QC.)?F*3M/P@7YSRT'?]M6AO:A)B]X M0)_JCM7;@Z$[9?W\"E!@F%7:P""$V>$'&F5QB0-*"SZR"),Q"#_T.AJVO+LMVX5!%7._2Y@#ZAHYCY2B,EH9["Q.LC+7 M.67_EQ?QVE!EJ&\L3=+'C5$S]*%Z?^FYPA(\-Y!NXE2< MD/(GYN>^+HL'FI&/<1(EZSC:LEYAD:K8BZ[_2W2W-1HS2-6J8)&_D MS""96ESF:"SH&:,4[![?Y4]K5GPYB;+L^2[-OD39AOQ>ME^<,=J^36UZ8L@0 M6?L^,]0:`V`$3Q_Y;:>;ISA/L^IQL?DLV-/O"=_J2^X^4\EL& M^!W(<.%RI.B"UL@/2J#L0_.MJ M)%RE^&M'Z3=>`C#V$HBY[()0_15R_B+H+;]FY-VCHC[ M3K."S11NLFC#OS";0!2YYC7T4=;AQ\PH%<$V@Q8Z<1WSFK1X<146:3V8[D3? M8$*G)S)(XZD_X*EB+*Y%>>#U\:T"YKJ'W,F/DTO1O)=EY>4[X+?E!8:M"5+: M(*T1\IU(KDH[I#)$2DO?D]86^9U;($<,&LE+SN*&%.UEQE&`DGJ3K812S3O M8KKY\'R2)N)>N'VT_34J^+=Z/HT*>B,>QS(G;I-5C9.S":KP@K*U<3_KNY/] M`(;6:>I7U_O=+LJ>^9-WT2[-BOB?=$/6:7T);!1GY"G:[BEOL.&AM;T0DMP^ MLY:-);*K3`43)ZZ;3C9$@0G MU');(V\@L-&BR&PMF%4@@R'*>K.F M`$D+A8J"P"#+BY'X(KI-,^;>9[IEVOE'U>ZD:.1)1 MKA9,NI]*TB7TGDOK5CVUAG0\TPBNKJ-ME,75S@W=/6[39TK)+4WHW>)7\!IZ M-;7I@SYGY.V[_-!I]`88M*4SO8EI6#E\_6!1K/.XH&7)-9;.03A%HJ-I40=- M60M7`HQU8N8H:O5:X"ND5A?GQQ_.+\YOSL^N%WY.0M=;*?CG'6![W+@';)6N M$$"M!K,:Q)C@1;]*T>X\\>CDOP<#5`%,0/!6PQ!F2^_KPQN&Q7HL> M92-NYR\OJ3-5`RFH-T,9,I.-6!]Z2+<;FN7E]$@S?NJ:2P93>7/$D55FP&?$ MTAF$#KQ*%>/81HX_G9+KF\N3__7+Y<7IV>?K_T[._N.W\YO_#(8G>D0H!FQ3 MKZE';YFD:BA76YD!@#ZBJ]:8*_KZ<5A,?LH/7R?4S,$;!6N+AODT2CY3EL_N MUWRG*;G_-=W$=S&S%Z>)])"#Y<)B.*;0,X.PX'!]02NI/D1M%P70,X#QY_V7@MMM_SM(\%X:W9 M+MTGHQ5&>\D.0<&2"%0%VL*?0EG;-G'81MOJAOLGT+KT"L,$I*3.73@F+5#) MD+Y6MN>%*]Z$R]XN(E;Y-(Q+B`E8]:)Y=P028F\)PZJ)VBP@7GKZ)G/U>+M- MO_#SP,!!:-3>,/1TVGMB<&/!>I@QW>\,M3B%L'T=J^8_Q0LT6UYNMTWY-1YA MDG.,`@`EI1T%XV'[\P#8-[`S!^R\#Q&`Q*]->Q9#@+3P1=BP/]$ MB\_T,69IMWJ"Q/(:E`G-J. M@W%TI`+"587=.>'I?>!06D7#9C/'^"YA&.4'C%3CR5\)CU4'Y+_]/P<__LM? MQ)R$_>%?V!_^]>!_'/[E^[<";WU(/6#/2`BGD1SQS&AE M679UG/H8Q=G?^('.]ARSC&`PB2['3!(8--/;\#/-!]DT,@Z@)5#2`9$PY!V\ MJR34TPN/V`>Q-0_\<+,VF#T$[#69&F_ZCH'O'0??`>'-B6C?N1/C-6-2EX"A M@W+QI.M36M"<7V[![RT3YT[;<0QPR9>3CN[08:\#@\VV5CW7BAY'VD_2N M0MF\G(RK(>E=NED2!6S5C>+"-'^6`CSN@#;5`R]8;]>YA?2!N`:*=MY`Z:@( M\TJHY8FB&R\78P)M0IE2WYEE5SF^CX M"M$PSD?8(RAU[-P^D\$JNH2VM!LRK26G)RREX)1&.4D!M#,SG8&G*FPTV5`Y M@#,5MJBQH['^?`50@26%`SAK45]^^=OC3?K^Q]/H.9>^,69JUE!4UU^_"%=Y!)]?NBT+DZ(2S8K_\E, M"%6S`2'&S9`(,53L@Q`*&Q!"2$57/V),">*%J-N#%N!D2+X:*??!"80/""ZGHB@T1[P+E@[(_)7S0 M_?9R/@PE9'R0:UV0#U_CW7ZG(('DLP;YO<^4#]'Z#[IIE]//\WS/ MWW;Z[?KG](EF"7]OXOHQ3?(THYNSI*#98Q;G5+%P@:IT$'9FY/L-A\ET&VUB<#99HA9AV)G$P>3@$9=6:)>GG";\PLGH. M[AQ:K*O\Q(UU M$Y7J8YVU4C^QSM*-&6+=-(\FQ+HIAD:Q[O+J[//QS4N(=5-1;(YU#A@"Q3I+ M_8!8-\GCT&)=^2RO\4O`8IRE,GUL`ROS$].`YM%O241Q9T(@LS$@CH>NF1+R MW9X)?T\>2V7D]IG$M1X2-8J"#&6V8#6'L`F0`84NH%Y`R++R<'%>X:VCH+CB MEU2'):NX%E*KX7SZCFMBK/J>-,I(J^V`M/I(J_`;X918"I=Q`:[Z`%,8$M3-&F-KZF-'A3&9]Y@84+OO," M2U?\TLF<%S3*7FA>L"CA[/*"11BW<%YPGJS3';U(<\DP/_ZL';6[G[F'C%8; M\NKA2+&!SH/V@IRQ^-OBY)+T1@KX$4?(;YL-@#R4Q^Y6J\`.N#)+:L"J?WGT M/;LAYY].+G\]>VD=K(YMP!X>1Q[G+C["3H?'ZJTZ^.@E=_"1:P]RB M+)EZJPY^WPW1)'I\W,9K7FW!?Q?VIUV:D)P_%_[2^OZ]:]^_#V^Y`;A88K?Q M.E$IRN:$[XU72S=FV'B=YI&_I57]QNOYI[^=7;^(C=>I*$9;1)V\\6JI'V]- M->R-5V"E#&HA'6H!W<*%85UD;9"UUA791P=BNLBS!NV176+\?K-7\$C;G% MOD/"_KFFXI#%<;(Y>6"XI_EYTFW#YK+QXY;FJC=G,%4VJ0*&2N>XYNZ$;=H` M6F5$ MG'U]I$D^)+6Z07O-Q:B!^]T!`Y7XRY!`SBA8-RDYIA97T,YD;RX`^HC19HLHV!M$\O*#@^H= MW[:(_#R$8E;O"#4/`\@0#6JP4,W>3>U4@P+>3%NE&77^;#!BQ;;^7+>7,I=% MI4O7$QG[5$Q^:$QB[/Y"QOIJJF@=[14/E>IB/X7Z@VM-X+[=B MMRJB&?'K1;)PQGQ5UVK72:Q&_8&,?MDDO''_`XTREJB?TLD%9Z-=WQY=UMV308=IF1(.<9J*>4C%-**[AG ML+8@"PN:M_???J+C(4K5H&'8N($SGX8JK3-P\TWC"A-ZPDB%5C<\WU^:$,IN M2J$_[!#LP[9]:,LU>>EYQ*1;I=Z^VUG:W=8DMY\>\*K:EXL%9?YM#X8E,_#+ M]7K_R/KF>1S09!]57[;_D2.4N\HP!W^)7AUX1\U7S5^61:FT'U+S[]<'9K=5 M%Y)CZ>6PF-U'2?Q/4>I^PA\PV<8;\1_'R>:*@8@FA?C/R[OFFO]K_O*3J/@X MC?/U-LWW&555FOM27W,"7;TKKY`=\K"EZOD6`;(7+3WTY=SM.";7*A;%[EW5G.#M"S.M M=M*J#ZCV_:4&`$5F_=(BP*)9O<.\_,B`<7YZ MG/(Q;?3GIC9<^C*[JK?JHZ^$WMW1]<+KHE[AG\X'MT$P]6"M%UN]?9M`68TW MG?3HX!*$/JPJYTE/=U5P1+[CZK\_($,+I#5!.`\)-T+NTHQP,SRW:@T=$&;J M6Y!`0>_KB!*+3C>QO],'RF!/9\C+1H9\96<=0Z%%\\8U<*;V4QG2$WK/I@:; M63.UH;.SAO>^\=4%S?._CL-XU`GC+'B7;XR)_\Q+3<_D/HH3?G_&>KO?B&N[ M2!+(S>PS,,QG;)=BV7.`;VQZ#?.#;Q9T$`DW,1RYN5S\F"-)O!4&7V&NN&!4 MF2MO7""LA)I#GM(L?F+?B0VD_[&/MO'=,[\I,?^%;NYI_HD6EW=VJ:*5/D!& M"-3G,6:#/$`_G87ET=0@#+=1WD6\SS(>-Q^96+HAJ8B^ZU[TC:OHN^71-]R8 M:0=@8&BTQA`\`()40^.BG)0:18$PSVB" M3E^6I>*$9&09+H::6ESQ/XCM3]'J*LV+C!9Q)G8\/]"$WL7%%6-+E2BISXU9N/[\I(V*_VP#!C$O0$8'NM178"."1Z^ M]TL*,[/D>UZ\#B;&*/+'[TJ3WQ-N](!49D65;MF\;YE4IHFPW2R&:5;40M]6 M?5WA;$+N^CKB6:BYL-S_*0ML0$V`?-6HR>/08+`]:TX)\V5J!(=HKT*R9KVL MCK#94,^!V-YD,_DBY.@*!2TP7EJ@!QX`#4JA(0WDV[+,FB6-`OKAD5:PI3)% MZO)"ELCF)]:$U&(^9H4Z_(/SG#:CF5*GA6$&SK&:I M_?4^L5297I6/0/`"JWW"TI+T/HG_23?DL9HZKIG&<.,F"E.P9W<&5'J8RTDL MHD_=E-\JX$`0UD*3QLFEZ.]G&:DU]C+JJUY2%/&Y)+1@&%D\XSO.&+)M_/-)^%$V&D&Z*[LL M")MW!CIO'$?YP\=M^J4Y8RR#J(U<%\`P.0QX0RRA@]_"J)$:8%TE<<1Z7@"T ML4+&D%2VG2:A'$3%B)!PN\&M$OS&YE#1EL^@?DFW&_85?H[BA`^0ETE;47R< MQ3F_P'7/KW&]$J66\`4"!`N&M0$G"YYF`PX^S7AFR]W+*1,!5ZLOI5P%`_F` M+!T):K#\W,$8)#5W_BYATMG[O![!OP68#-LI:8V0R@KA9JK/"9OGM[9(98R4 MUDAI+N`:D)<1(RPG\6$'B<6G[HA?R7:W!LV.IY3,_WZ-LV?HLSZ/3LX9T[7; M-%7\+@_)\Y79IRC>\OO2Q3G7G)]SS1OEKRM23UIY146IWZ!MM?2*]+V6C=_J M1WI4'W>C)>;C.T.%Z+')[E$=J4B5XFW;/P?`;\-3.;K?5<(FQ1,X:$2NNRW!@_%R>CAKI5EQFR5AC$&.M%YX72 MA)$6"LD0WIPW==T0^/K?68+[L<`(]BJ=RZ+^,TO(SG*^37&<;#ZFO-([S>E& MO;\,$NARP2"`00NM"72&0*P9R6)6LFK_6NUKDP>ZW313I@`8!!?Q@4W[.W-B8=J-J_])\`V7#N3[?'D-6+`9< MA`_68<=J[97V?F&,N\UC918/P\VF#)<@I<@!Z>"Z%#D0U96?^9NN.C]&!W-DCIV(B3ZY':^S,&4^POK7`,(0)IBMCM39`\GV>!W,@MU9.QNO@PQ^ M]=E`S;>PB'D6V@"A#J3-8X0#V)_U5DNX/U.#&M2")I:]C./V-D`%AC%+M,"C M%T`Q-&B!?5R>5;,<,+/PQ3.E8`5F[8'[`U(I)%V-'`>ESF_4TT`J9.XM.4NZ MHAE+:G9QWJ8LD M4"VKMB'YO?S[PHL8-DA()W=5G[D`X2X[P;;F@1_:"&=A#P%[ASWPM2]2GR=L MLK,OM]'?`B05HXD?3"XZ*D1Y<;JG$O_R&S%Z#=_HKL<&6[EZA(#+N1(5:@ES M_N'3`9 MJJ+'9SN[2Y(ZEV=THP]:6N98^5FC"IE8.3S1ZC=>\?\.9=@:]T!J^NU&R,TE M0\U`+$` MUO'F01.-8\.Y6E M:THW.7\X3[AYG&PN:)2/SO!8R8Q'/YT,7AA06_$[SAGM`EEOT"/>=HN3=<;_ MQ(]0B!$M&!H#<"'G+JS;E'Q5BRM(:K(W%R!]#$9FBRA8'`X[W]7-Q5NMWU?# M#:^%*V5>.TC-HPHR2@,9/S[31\:$!^;5Y=U)NMNER74A6YV#"HQ'#J4`'DL5 M)OR.&7JC0)+JE*RNJH]$@00?,_;9LZ`D/VJ3Q6OF*\EY\V#(:0*'G)F`[E.R M4B&KH*36TBQX]#%D&,RY0W$X6+1-.33+QN3Z=2/1/$"@03&$H>$F/5[_8Q]G M]"/=T"S:_B(*$Z+D0Y3\H1LAP'*#@0(@A\1/HR6/PP;4-H2R,%V]022C]_LM M1\YS2.,&'#(2TEKUIIRZ1A4R!@/MSHE9]*$%;!4-KMV!AOWHE02I1`B7$3,3 MPJ5"&G'\8]@P_O@#<5"C$9M3;?;\-EHJ/<@-;J\:?<;ML1D\M##':*.P:45; MJ8[>Z/*8T5W,I\-\BD*9T.-N\=I2."!TO-3UF8&.0U$M#>5VYD"@O[%#9!#Z58V16"=7[S'H M:PU"2*=1L&H^(8]1O`F#68;>EM#*W"=R2LGE9'S26?`.+/18KC?EAJEN%&ME_*/?<3H&-+O6"]:MD#C>+M//$\WBF]BQ.ZJ5[,4YQFA#5O MCC*:FCL?)-,;0*V>A]G2'R`#J%C53U[R9J%4W$/[/9W6-\,38GK)_O$PB)7E M^%6?9?X8Q=G?HNV>-O\XC7-^$=0^4QPL66=L/6\%*YIAY9> M"^DX4K5`):#0B9KP*=7#B=5*#4E$_MOA#S_^V$;^?R/1OGA(,_'0U?N#'W_\ MD?]?&?]SJ6%CB6C* MJ,H_#(F8?8PH63CJ5!WCRCBDI%='5R!4$NS.ST5G:1DE:R@E5K\A*K^ZJKTG M8A)C<-*-A,<#6$40GFV5#`LJQ9)VMY(CJH[14:4KHV;,6+-71'E*DV1FIH-) ME@Z5;4C9Z/4`"93F3$-2..E,Z=EQ,_8"XO"XL286=QM[8$^K?J:8/#)H2Z6! M@C&;.GE0T/%9`@,#M>2=9697*V=BV-""=\1YC=EC4VY@T\3NMN'K`YI%')^* MM-#B^>6^R`LV0XJ3>T!`E[361/1>:P\$Z^CW-YU5F;(EV%##F##9M&X8= MUF5@,-!-T6-FNG4$37P;V5B0;^UY^\Y!R_/DO'J=\`.-^-/+I_QQG[C(S\4Y MEU'9F9N6AI\3M3CS=I)=+SF:BR=ZND_7W"M9JU^M)+>E`"GB'26;2HQ\B8L' MDHI[UF^Y@J5#@ALN4U20#$/()(7]T.+@TW*D04PSG7SPQ!>1F';NA2'?=>\! M^)XOY-9*WM4DJM7P#S]\X\T?VJ*Z18FS;'+2+=/=87&09V]X`]BA2!`-Z_:NKK=:C8#K$\ M*Y"]#(8PLW@H'@UYXK)(!N"`+R&8$D97;>:\R3LV?N[(;9IEZ1>Z(7?[ M9!-0>FH&B8*VH#Y4$U8IKN*JP5X0+.5[>A'[V2_O+M+D'D!1O8"$GRH!1'+* M3?ABIM8:E)8:)8.!=,C?_Q(TO96\7AQ!=W*"M"$`J2U%%JLGI5('/T-XA85TU>THSRTSAT([^< M#"R@7K$:">!/\`/I`US->EE@+B)/29*&M!)4?]/0T%-N67LR[O0-DIDW`XT(>@[.&C)?"$ MQY_`.O2$MGKP:4EB3YH_0$65Y)YI-F`RYI?@:+D]2)V,Y*&Q>7HV;M.3)D;; MY]8PZS,#UVJ;:,*&I^-M0M;Z%)EF>R$6B49W"[TM@(,WC?P@?.&-HSN:\VM9 MHNU'*ANN]A0B#R0RW0:RC456W;^2.QK`<"#OHQ3VNXY`WVLY M`+9$RY+8?:19\J.;Z5R9*R;[!APKQ?G MY>KA7:8.Z>34OC-&!%%*#G%KC_T\D=-"*:27C`-YBM>4"'66P& MM8>`N,,.Y,3B%6][4#ZR>2""O1`@I<1K!J5Z4N`!E0M/`7HNUL^`@@8">6/% M&#!LC,S$OGKD=,ILR89]$@4#WO$U9/;_PF.9HLKKIH6#7\E+9QY.M*)RT>5 M>CWOY%(K42\$_\9`(H\9]P"MT+0GL;93G\5W,3+!)QN6^ MN+P[7J_W.WY"E)9S]Y-T]YC1!_ZDP1,]3];I3I'SHRAKZ>*DS)U9#N:12>CN MB8&OK@960QW\+A^^\]Y14ZVF]1214E,@[Q(@X3?U@:)1G''0.PA)SAZ^N.@E MFRHBJ'*,7#@34@?C(40MZ+375;USQ`IABHV!681H99C(.VC%B%1!+!?T7>?5 M4@#/3_99QJ9"5S2+T\TGRK[N3?35$+WZ75-9HYH?R>1%EU`F(Y15LZUY`C,N`^!U?+?G^@"14A-$B^AI6 M<$0AAB988@%2'SQ=K.B"J;OW@?$;K2;!AV-S4OM0DNH(7L,2G0-2:2:EZ@/R MJ23XS3>"3T3DRV3XDF4;4U,_PTX,IE+'N1_Z_@V&&^@%A:AN^9@>RG:%KM&+P01-!D8"HCZ(.1G2AU-GW8,(IU/^R?!=ITMA7YCA9K)4M ME%.6YD/8+.QYXB.#[!AP3AS#*`?'P2]"FCA&$4YV6.K%R`J['KZXZ"526LP5 M+\R%KF6GPR%$KJXCWJ:^.'%+J'JA8:N/7*S)K:G<<[OB]UGFBU2_Z;:,._1E#O/O3F'FXUZ]],0;?R: M7[462*MR\4CEGR/I_%@DOZ:*.37=5_RX,Y7&3JUM2R!X8,58CTZ:75ZQ,WB/FPP'8"42;$K@I9-B_,BB]=L)BY>*52%5G6;-JS*VKA38ZP5-_53 M&S`00B&W:C\J7]8,AP>:3DPM?O,1_,?-!]!7Z5L0]444LW3G+,H2OMS362(\ MI7?Q.AZOND$%&CZ8!9S)83*!RQ2@-3UM0$I6=3M"JX9+Z+)GHKE]X]Q$B5K-A!>T^PI7H_N#P2U;5BF;>M,,(UV7&Z9#>EI M99)?5?]%V"0QNU_^\AU(%Z<3>F+((HU8GT!&_8MQYWI_FQ=1LHFRC30[4WY> M_1:2SQUY,=*(R065.T'4:.C<%75`&B7B/MQ2377O=!@%&`A(3;$Q,X@@DW7V0HVC9V'&I/Q3 MFK!4.MNS7*"(BKW^BDH,59"X9%3E,S(9C*.O=",X,SE$0=2S'&.WB[)G\3!K M$Z.R5@>_!C-)DZC40W*A*."@!`4J-"Q9`,8B,!FT@D,3R+N%^82V`X#AB$\R M'9J'_/R`?.)G:"HVE9J".UP8&L$4&Q>A,&S)[8_6]_/=8Q2S[$3R'?1S$*C@ M:&PW"Z)%'I,I/W,*H%583`$IZP606D(:24*;'X!1)(T+-OVK"@(F'7+*PRP' MP.^/S,V_1=L]+9]YY^^!Q-%MO!7%+[_2B->\;"Z3S[P@)F/?XT.4Q^"$'T_W M>`:`H1LOA7'WQC;6/-'L-@7/$M#\`V8Z2/:Z\XA(J"*[2II$!;EC9L@3MR.N MU><3C%(?N>4*0PEBF#R0YS^X\%/F0^YF%`D2EO^A$=K')`7/LUFY/)S&<.H* MM0>D5"P>R>BH)K5NSNU&.Q'J0Y[;O!"RFV<_@;,]C/G1<5+$FWB[+^*GSN/D M9U_7V_V&I7\,'/QV@P1E2/2@(N-3%7`Q;`C MC[AXWR"`B/N)%A]H0N_BXB3-#>^C64J-8J1!"BWX:>UXW#V"V(7%++.FU4E] M>Z4X'\IO]GX4]\+&:W);BI(UEPTELL`@(PT9X/Y4Q0*M`CG)`3;GPZN'B0_( M)A)8!Y,5?DEU)4"$1,#S#Y^H-KT8+Y,7G7%J(>4*=5JQ$W))"^HM#2;`?00K=L M+L05Y%T"@@MREF.;0M-E)VWC)89HVO#6&*?:];LRX>`1<3)AL MH1?!U@_\L>R,7>=US9]P'/4$)BGG%&$P+U@IT!Y5=17ISN#;L84$%0E7=? MT&L-:M?4;#,7F=7IU:4C9>924L)E"!-Z`3,0.8S`):*J#K:I!^WJ@%=_CBV' M27#VKS3;T,UY\D3+^]K+DRK_L8^V\>F5]G&Q.^?XKW0#7729I&<5'2RUHP=#*KI_(-\4%6)BSU[P:%%74 MM[?P_4^2#IBU M]\;EXMZXJ!(,)69ZY(PTL/K%IBKZXEN5AVA?WRZ`./Y;DE&6N?Z3;O@RWV72 MYK70W3AK#:.H:Z$!+9B";?J)D;;F8:'/3NNJ;4ZVY44L_+1#]_S2'8E;%:'$ M-GO`24/6)`2H(A%8F3S`6/H20-PX?HKB+7?M8YI=1]M.!:_A]`!,;KQ+;Y+# MVPC46_)4S@\R"MS:`^CJ[^'5`N_NTNP=OXF^6XH?V%H5%$#R+3EXWRKWWO0J M%+ML$+M!L_I"\=[R)%D+=E^@O9EL96UNE@\-NS*]K\^&[1>AO%P\#5F6M)=V MN#WU+V3O"T^P'W0(X$O?R3K>QF+V`ZW5,9GG[ZITY M[D)E92'5+(L9+4W6O`5"H&%PC`/I&X8O\7Q,?995B)&.7(!1"0PL5<"QZ6]- M+#&I488)F/T`(H#LM4PEY76-1QR7-T8CM4R]QTL3-.9@W%4J6'VF.S8[XP6/ MC!Y%%JT+?I_O+N(G#8OG;,V"N3-6B`HI/PT=9V*D#(Y.0/5%KSCS\-Q M)9TI-_`-#AM)WT8.^%`1'O2,1X+;Q=DY!5Q'62:5Q\'XK!IBZZ MX5)DS\5(?_;62AX0(?OVL*Z:^Z^2+`X(H]HDCL\[EBTSC*&.8),&K[>"8->Q M:C*$%QVA3,LGJM63LW_LQ8T)_-I*\:W$!50W#U%R^](+^K-_Z!448O*QI9J=#"2\\9P-L9VEWLPY(:9AT+%>7?A;,-JF, M\Z4*;IY?RULZ\"V,S-WR+*NO$)AM>=E'^9F]A;4I%OUG&+`VRYQJ3 M!B[,,^9(O_=+BC]6"U0EF:Z+*"N""4'++59)G>D'H5MZ'R?B"-*W4+1@*)I] MA2F46#1>8PHZ&!V%OR"@\#J8"'0TYWIY8Y_]4WCP+:#-3)2W%M".@INQ@Z;7 MH+FPIUCM?Z%U\DRP.KW2B4/K;KRB7_F_EZ["TG>H,0+83H7,U'K]"U?A;!O9 MNS3?#IAT6_Y70?P-WL)\72X4#C>K?@62E]6*%UNC?%%QM(7L3()^B8O:=$2 M_(5>0@Q=:JFS=HY4WI5EPX3[1[B#1'CX+5J''*V76T!]D=$ZO&57U-_@,\NU M/J89%YI_94EB?+XUI)[Q\`?DCKLOHWY8X_G"0^S0H57[".3@;5#R.V]+JL9+ M7RJU#"'G'<(4,)]]K.KX,?.H-/H%7M[P0Q-H>LP<8'W1IFS"T&$\Z$W M7D+TQ>"),]YOL$,4!X_6JAK[F-9@S-0EA4+83MHNP/6I!'-HV@;VW6,"ER!+8R%LJ\ MP\;1T);+7L',Q?AKL.]W1^."O[H33JG6%*>\#]UV3@4[8MM\#=N!FNFY39>Z M6FO"%UMFF+9V=%5)O+FS_9/BP"P#\506S37^VO@WS[!K_XN]FA#Z`FX.F_*5 M7D;TG/76L8YS;[VXX/7$[MG+P5Y^\'Z=%Z(U:=CL]P$K+<\UZ^E:#GU<;GT% MSU]^*L?>A-XS)"]4':WR?M%A=N#-8"8B9A^O]^X#->OF'*?D<)YY+&J=F'7` M&7[WEQ5Z7D[>/_8[H*BS1`;/Y%_]U<$AAK>E*)? MWC-N:[^"'10MO\G+*`N8]J66&4ZG^+HJA=[83L/48##+2.G`H[F&44L7YQED M)_UN+V\$+J]4JAX1SX^?HGC+'P5G*8;XCE@#*M",Z_AH-+/4<&=P+(C1"^:C ME\$(8GI573F6WE5+1R2JVXFW)^_%!LG+7UF"4@5C]+"`)=)@8+"($MM!W^KE MA6K+(6NAN=!"4YT7,Y-Y4=L*4M=#F(Z,9ALO.^9/Y=@",XCE)PA+Y/^![R", MG7T!VP=RIT.)+K-N'%2![-7O&H05QF;?+P@CCKW(G8)!3K\O'M(L_B=%RW)- M^I%7)CKZ`UF2:#P*YT%L@X=SK$3T;4J6()H&KR`+-7+`PY*#%'9^UAK:KO*P MR##X'B&2>OF4T.3=[(S&2?+:J%#:(*V1;Y'`$:LO/10$G6SEJF\D_M\-\^\X MV5PQ2GZ*=O0TW44Q[)D+'!/0E&N2"=\!>H)3LVX"3??/*4A/-;LJK[CA#'25-=U7PK_N0=4D[3N446I;3FH M%U$A6'IY=Q+E#Q^WZ9?\^#8OLF@]JA0!-*VAKVWJ2@&-+R[]?D^]^^W3\V^DY:_(] M^;V67YH]$"2D]CTV8)-&JLK-,='^GX*)G1!S90QD^T^JN1<#;2 M8P["I/%H";'GB:D6IH'D!6O4\?GRUZO/9[^.)\_#4>73$+:3N,`/*V6'R7:??";HTA M$)>5\JMJ3[?]B!&2?1@*&;5]+:.>J4L41).)26FEUK\\B2[O/L9)E/!$^RK- M8S$9-8ZO1I'QH*H1P1M)E48\#9\F>\`Q4Z^F/U!^.+XX_G1R1JY_.3N["7U0 M-.-$/A*"^E$Y_"FE%6.>P=J"'$W7?SRDVPW-\C*$*)EI:MCP4=W0F84JU;C< M,UC1,TXKO+J^N3SY7[]<7IR>?;[^[^3L/WX[O_G/OR[-)6//IK9],.2-2J;/ M%KWF@#ABY(:1$QZX8%U2DA;15EM2HC)A1X`2^#>7-\<71`;_T-`/0[T-VO4H MQZEED*K%*T90JK?'`B\'Z'SPW^ORS>.BR.+;?2'.&K%?["K*V-#Y),_(UO$IW2NSBAFP\T8?\HY'LS3DKJ M*#I1B2NU)IG%+_!S<4/+TNF*5UU9S>U[(@^?90B7<(8](9%D1N^"@#A M2*^ACB150Q\L$:J]TZ1KQ9HGK;":**)-B$SI][&)*J/>`'#EIEYT@FH.BRW' MNW0_ND8*T%([J%0MO0PK0K?_@:5KQGYH::57Y^)!,C%E*QA]UJ)Q'B!5!OUK M'%9&'0$96(20>6CIZ`Z++LJ#-L#6.MH@'G\QZ/=.'ZM#*1`-JJ'G@/"&@1PY M@6+`1"W(01"#H)%BP1S/D'IWH7B3'=981[(+M+?4]>J]4VQHR9IA?07JW.XB ME%?+@9UO8I>TBP#DNI"])`ZQL!RU^)?B1;.;^"G>[*/MW^/BX3/=BE6._"%^ MO$G/$O;-G^4CVC3IFGRVTJYLM+.'2L])IK5\G:!QU?V<0[1L$JAKHV*RSBKAC*M7GD)72U4RJW$1WP5OOTPC%5";2_J M2&18'90UUQ(BA%7!+$KR.W[APPG-"D;#IH+V.,]ID1^OUWQZ23S$-S=N7&@*5TV]DM3BA$'%* MC^1(0"'1:ID`TQ1B:`QG!0(;_W@Q$K*J@60!,58&LU*2T2C?9\^BAKJ\)FP4 M^I0MFB@F:>$?'-1W<`9S\::N#U/PCSXDU:AQ MGQ\*76%`7?8HG[J!#.@XS]2-58)A#G^&06D$#/;.0VI#K$<%6:=Y\5?R_OV_ M'!S^ZU^:"V@+-J0]%F59Z?L?#PCO%A(E&W+TT[\>'/V/'SL-3^FZ:G<$66OVX6KT]K`X[N+HN<24^>[DX4)1E3P'"DN74 M-UFZ9[.ZS2F]+3Y3?I?[NMAG/(.YK#.>Y/XSHV_\Q&=_Y1SPAGXM/C"G_A@% M6`QE33!V4^9,+A?SZ">=4-S1\];9P.IZO]M%C.%L7E14ZLB&Z2-93R%)$W)7 MJV2?-3J7C@8HZ$U]8&@89%ST]@.2NX>+$PUQQ,-PQ2_+Q$A:<8MK(9]'W&H4 MD8ZF:AV6<&5$:%M\R2$\NBD']7#XMF2R\%L2;85ZNI$Y*SWE;"53_>Q`&R9M"U" M8:LM4E*W7AQP%JBA1ULKJPLR5UR$EO,[Y=,M\VL=;:_WM[S8).<55PK>V@@U MK(4).7,68@9]7FQE5D]:L*+5Y>TVOB\KX\3;.UQ0K'PVDJ0K&@R7K="3NO3M MD,<0^3Z+X19G`R[:/-/.)`YJV;SQM^L2JKD.JV).&>`XY!^[BLF?3_`N.IF[ M;E:C3=FBJ6$STJ@;.I-4I1HW!S18T5-1*\S9UVZ!A,;%V,(W:\2(?T/7#TG\C[W\L*2I6?6;J)LY\D2E&),E!ALZCFA%5\VGI/DX MD$,>QFY-[;J@3PV51)<8>JT!T4)R$D/?2$D)E+,87D^!`(YD_)W&]P\%W1P_T2RZI]($2MNF^A44;1S1+]6*"7Z= M`1WVU7*K^B-2?19(AJ3OQ-3B-^_C7MJ\"WN-OE!0WW^&]G)?Y`6;8<;)_8*R1V_-(ZM`ABW8!M#7LC"J6+A.=[NT+G91D7YH!75^E.-6]!J-LD346SRR:"U: MOF4>*);.YB/">"'-.Q..;)C`E-ZFR%PXPN;"T9]692.^J5&A?Y\S8C!@,TX\ M[HMR2O*NXL`;!OS1TH`_"B_[.XVW>_;7D<^P_,\DK<\`U=)^PH+*GO7^INF] MF6GV)X0%K4;;,7+#E?%'#U[@,&D$HCEN0-`!"APJ18#0H?=A?E:@;9Y.M(U, MB4/P6+DIM;QUW-NEB)Z`/VV_=?W/NUR,A3_^]/Y',1+RO_R?CW3##&]_27?T M(HV2#U'RASC7X/L(5EB?3VJ'J@-S3 MA+?;/I,D+1BU-S&#!Q_7^`F7!\K4QAG91=D?M"!/XK!7(_S#LB0'HRV=@(@^ MA4V2G+,6)GS#VGD@LK+D!&@VR&B1RMJ6L'N%6%.,%ZA@F[YJ`#9AM4J@7"^S M,N<$N2,&N5\N/M2'=*."/-8@$QG,)MUNHZR3SR^'/#ZBOK&KIP1JT7/>4PFE(2Q2#)THQN,I$U MK5F&P)MWK\,G&W&\2V0+C#-QNEDX,0`@(+7JJSY'U#(-.TQJ_<$+9^@WVY@( MK$-^U6V#I;(%:6^O7OAX-!IP%".[,W(<1W.]![)5@2S%R.V,+=;1N55=&RZ*F;#>`I;'=\#F` M<3L70BC5HH_4)DM*/N@%Q3C-N+@C_$08^?(0KQ]Z8_.7>+LEM[3#E(4'9W./ MIS:=H[C[?RC2<,"@U!N8<,9EHXEI,#KLOB"1DTX+@:U7`1C5O0=NB'$`Z(@=UN&W?*VKKPQH[T(#HWKTX1AJ4Z_<*'B:R@D4[MNCZ[(.(- MP2QLX7'L)$WRF.^<<2M78H[T,[I1_9#\HVU8?;NIJ3Z MR:8J<6'F-)OHR;^3&TH..VAETX0[%M4%-+M:JEFTJ#?M3J[9`+IFJD0(V.PI MX8PCMUS=PO,&1V2F:#CIQX5I^II(X>+.,G3!&=K<['L@"AO^3MSX\<;IH1@W M%^.'X\1INF'$V92;$QY8<2"L!FT+-)6\M*QMLI6O$/JJI%QN2(;)D4 MB6LQ\IANX_4SORL]XE2_B]OE=),+"]X17GB?BNV\XK!^S=$WI)B\CARC_*HWN'YG9#8V*A[J* M7/C%I)@A]H^,)IMR':CYK./SPCFL/=!3%PSV8PQ811-6+(W.QC&<%-3:)`Z[ M6*(I:M"%`.$2I!$A@GAE-6PK]28PJT@?/8/6,4FTLH68%UK;Q8'N407=5$"W M/RB\"9`JLC?/(,5=B6Q=@CH-P%=1<[M&;K();1EM[;O7YGS M;2N9II06).-63P8PX:&D%FY54U@&55*N?U;9;I3+T^A-E_K(EEBK?[ M0EQW43[,2CJ64#&YL%]UCUNQ;FW!%_V!EZVL8AYDN>$:FLZ?4"2>?:7J`=U/I>"YON MP&0YT;$Z.KYJ*"JK?+U`$?D^C?O]EK=^%O=VF),=N$!SOX99P.TTNTF_A_LV M@"8UQ]M!&L2YWLX"FKB#HY8DN;@:*7I\S-*O\4X\=]9='(SX8AC?^'U\W,9K M,4ID=$-WY;(?$ZH>Z5K\F@XPH-))73X\(&^2[1R4AYGQCUZLZSR@MAQQ*Z[W M:&!:WN`58(+B#7G*>S^0H>=\#PC$"-;MWY8F'2%XU(.@B)2O%&S*BT"0P8:: M=@"JX*IDHG;7$G74I+4"_36DMV-TPZ#K;`0X+?V8@JL4!#R`_ MO]$3AK,7PD__!T:`CLQ[@,3"J1E8:G'`Y!M+4<'V0EB*7`QY%R=T\X$F[!_% M%0/W)UH<[WCUW#_+P]K)YI2G=UFT'7!^BFA3$FDCZE9!`;?DH3#2VKBFD,)2 MEUCD3'AY7J=164)7-:MO\*R*_O1M^05+:4++XL=H5%]9ND72VVU\WTJSIOLD MNKNC:UXH6=55WNV3#?LO7G.X;W:6']D76KQX;@*>4T><#4LZX%HZ51VVIN- MJG+CO%96OV(7RAU96`A./<"H'VL<-3?A!\?#A:F&.,0B>>.3;T??^.:1;XJQ M/2"^H68`HJ;_,XVV9^)`GSA>^ROEEUL.N&IN6/U@NH8N<4*M%WT1QFA*26^# M9&?;$U@HSX\\\K.G!6MW6T1B1ADGY&[/_IYFXMI6<1J3?9?\+FH>6XE86G[+ MM+.L,;DO#V86#UFZOW\0)R/KNH/JPA#Q6C)_0IEY%^7/XWPD^.%L_-8G)>GCS-'M-RS3(_Z-TK>R#4_%?*FK.PE13\ M8.F_B;^5:T'B7&E/5Y'MV;\67N0!(#^UPF@_LJAEFJ!A4NN/5CA)K-G&1$*Q MU%,T*$%*19/JHH7?RU8+#W!HV%&D@<[@<4S>],H1\S*SH8D0.JHAQ%N0LDEU MS,[>IM(W4[IT5`E5K\#2&# M)?7ZGE9PU7Y<7CIXQQN(@O5R::^@ZX^NLJ!06''<@.>-+25[4OOOA@Q MD-ITUV`Q3R72KMSIE7J#%]+VB,G$-&`=]I#%&Q#1(I!@B@09U?:%&V90+S8_ M?GS,HIA1]X2_GESPMX%%*;$\G`);5U_7V-H%^P;EZ`$69D_)!HCXJFG$9D=U MJS*$OK"0"\5):M^9?2H9!!M"@0QXAB-.0`8:<@'B81>);;/R,%`H(=H#Q!3A M&A%CJ*'[?/<8\0NY^#ON\G"M:5'?:B%KX71N>JP0_\8*I0WUH6B%2&>E+:Z: MD"UOTQXW; M\]@J11[PC'03A5JY+9+Y+1,U@,5'@81I!P2H[HNPAP!JV&U.VYTGC_LBOZ9; M)G-_DN;MB^`5@``MJZ^F;>D"7XUB]+!LMJ4$M4ET=479%V2V[\5N1UY^SB)E MSJ.D2(/YE9@\BC+Y(%-B"!A2NU[K\T(CU/##J-@CUG!")L#(5)0=5G=3E6?> MRS;DN@NU5X,@16A%@)#C1H%!.^).`<#25"#QRHM7"1O%U@`";%`W!P:V?DFW M?.NZ/!FC'Z*E3>5C]*`I(NA[FGV/TC)C4-R/95?5GZJ392]S:):#0$$196=I M*=*34G%$HMHGRKR,SU(KD_$E':'[D'M%2((-TM.@A#M,C]3[&Z>EIB8#ZF@8 ML5X1?&"#]33X^!FNCT4!VW&RN8BCVW@;%S%?.Q6#Q>8R^90F&5WO,WYW\XI0B#;1NH?`[NB)F:M.!KH#1*F(,$VDHXK4NLAE0IBVS[4V M(M0%4_2,AN-1P,#`DB*H3%0]#CQN/BY-.1_CGZ,[7GEWU'O6L"I$YA6[VP[O M=C7OTH0_JO*N4<=OOOQ&/""B`B8>[HF#YKQ_?GEWS>L)^5T5*7=H'6VO][>; MN+H.U7P%+HJN^MR"FRZG*EH7T_BG'Q"\41?C.BO_]H97D&]XU9;S:,?^W_YV M%^>\&Q5/>]VFR48<.\J^'17G1V@L^I#[]5L2\UX3D!.MH^:-,%&1 MESW_0$[YF1FU)T-[M4=YKYB`?S4A&8F/&!)_NZ[DF4SS+MF^>$A+,SJ[CS4S M^$_:4(,KJI7F@R?+;HN.<:9!?#GV\]VFXOA/_6LR#;M]$J_CQ_[ON/19&Y2` MGF+'U4'%O(O:MJC>W;E%QQRDHT$8;O@;;?@!HU:'V*(63!;GX>3>)SJXH(XNCYMHB=^X23[%XLY])Y-O/Y9]<]3Q*:?MUOZCDW,WN71XO?' M(P2H%#54]`>7Z3J;D<75K>6B)\Z,Q]T'3W&3S77.+%@7X#PG&/(H9CB+L\=Q M;N-F''%BX^Z()PX=67'H&UMT$YG%V8(ZA?GM^B83NVW,C=:AKF7IA,56K/H) MX6(N\0!J!7WJ86E8278K/:]I6O%F-YY^^^'Z!U*4G?Y<;[1L^OLO"T\!K"F? M.M"Q'W*A&IH`:V=RKEB#DZC;6D2),BP)[T*4IP^=3*)3`Q?*TYVSH%613WN% MJV.N;&,*,3.V-8L"VB,=:-\`/!4)K%=X(B>GQ[QJXEEN5+Z4;B73I*4@&3?> M`4QX2$CA5C64@RKYEHJ^EE145"L%FXC:,#R=2L!AT`2(=R(FV-@L004K\[0P MYQY.ZIRSPF+H^:974"HS32^H=,XQ@790$TP+F^[8/%)A\U6C4)E0>D$A:BKY M:W67UH=H_0?==)=>?VZJ3*\?TR1/V5!]QO,,4+:)K;;Z8?'4NO`8RPOTM!;9 M,64X0+7SFI+CMYH;-S?RW0I$#';3VGIUDM>H*+N%-WA-Y2#H82_U&'+Z@Q66 MA68\PW4YE'B-,V/`]FB62,WF';6Z=Q-X'F`!RHN@JV**$S1?'2=*F*X@SJ6P MW9J%M4=.K/W&3SC`7A`_4:>0)]4+8K1S",$\0[24JGYN:CKGBGN;%\S(;"G4@I\K.O-%O'.;W*XA'6';54/]UD+4ZO MLD\SBI["NOFA?H;=0>WJ^#ZC=/-NS^9&+.-D?Q9OP(CL].OZ@3^X7&>X^V1# ML^VS>):=7[_%DJQM))YEK[(]\1X[FT;S7.ZQ]*1\R7WAM,H5N2D>C/H!9*+" M]OUU%X<6(A1.FN;H@`\JL33NND.`2IX(!0?=7*ZCY(#4:HC0\^9YHDC^%B2* M8W+H8!DQ673TP@==6#)YG!3Q)M[NB_B)#1Y%NOZC'$*J<2@3@\]W;+*_X4_5 M93F__;IL\?V;)XHB)5V0**@I:_U$5G7",;G_W+Q4I[A0VT*BZ+\JJ)7`>)5- M8P!O1+0P9GRUS:BC?<6M:4K:ML'$S;]!.Z_,/(#UZ!LYL:080(@XV M%A9=D7CT#8FJD<`#$E$C_'%=G?0QS:ZC+6VW[$Y2EAJ:+ M-,^OTESL9K2C4;+IMZ"JUQ;F,59U@&]C3@]`>_4-;S2;QT_U\],SF%\U1@BS M0K@9TMHAK2'2ZB%<$:EM=2>5?(=LW[;;"H/!A+^9^)?.C_)^T/5KN'W#>X[O M%W:80S*_]0 M/50GMHYB7J73)C:=LJ(MS7DM592(%VC%QM-Z&^5Y?!>OA4%>X!17IA;>1(*C M*)W2T7WB&T4;[@*->`0 M+@4,ZP>ZV6_IY=U%&B57:5;6Y292G02*'QY9R:LF*B42,G)2 M*0E%?A?J"-='A,*%IZ7!44Q531$*QUQK*YP=P"RQ0''&(]..&-/VNUV4/=L2 M[1NKY*`)E%6XM<.-.TZIME-J/6)V>I+3$UGPK]A8\=+1[2S1N#MS$']`QOU!R/&\IO,O;_ M[FC&!OF;E%FG/`^@FZLL?:19\3P@B8U(]1/!1%Q("[&`GKM9&%7R$ZQC5>[1 M5_.WG!2M##\4GS"&1/E#^>=H79XB9B"[:[3Q9[Z%.K+99^+HU@/EA^7Y70;L MO\I=NX5S,2MLI1/[OL];B'3#5KBI.<",DUG96'.&,K1 MAPBH174U/$C!ZG-[Z4G<2I`\W6[$1#Q)^5TG0H`U6&_WFW+82,7M,^),[]*[ M5'"LI%.Z+?Z\2GG29T`,79/Z-1II$Z>+SR4:T9,EC1'UC>0J&38DL"X3';L3;&!G\N0HJ(%XP#U5L, M4X"`NF)]^?GLK.+9`#:23RKG>Y^X@+*C"#U8C74K@3ALV@E-Y;B==;+70**2 MK'=2_<_:AUZG48.XD2!BY^($&HE2:+>RL,+^TO3?B^D^1>@`]!]JH+BB29(_ M;Y^B)([$56CY3?1UN.JD:U,O+LG;.,U"9"KQEXHT5M23"J70BOV#UPJ)/=WJ MT8.3=+=+DR\LVA0/?$FH*TW2\F;_VS3]HSHCS%JLH\>X$&\(I.L_EEX-TO9^ M"NVLP31!UKR=#:B5>0$4TH*,3KT]E%A@ZP&E_)`4T=<7C0?5TL@T0+@N=*CT MHM8V:JW8`^-H`(S\=0!#M:`P#1BX-[>MV2"RW_(B?A;+'S/ZP`;C^(F>)^MT MI[J>TTZHODD-*.1T51'(!N+-9E;VU+<&6:A9=1J37FM2-@_G8A\[E*33^W!P MT0Y(07MACHT]S#K=//^5[FYI-@#R^(.FYK;]P*T8L=;CH7YVH%I37MAKN3JN M'[P5!QKOFNL_L^;RREQL^3.\Y?&&5D6&MY1<17E^0/)'*EZFXMXQWP[X2U)L M]IMLQ'WMXL6I='];W.VW!UV5BQ?'CKHZU7;2L+JP;M.I(>R+X>$$JS1UJ!.( M$%%FFN?D]_)/"X2L,/K'%3 MW:EO[%;/I-/MH:X38$Y3RF247IV41R[_L8^V_*%`?N92]*&X-:L@_*[\#7VB MV_21EB5.U3MZM>9ZSLV&I<5Z\N!.$D]2Z-X?U3CJY3K&36;U?,&)5Z4`4U9K M(@$,=\XO7J6]?*+9WQ_B]8?AD=_K`7K.?^ M%H).\W^P'?3\P=JT>C7`3E/WI$CUWC!_))M\X<+\5'OUM%LIGE?3IJQ2([R;>1GDLE+!9LG@/D5^3]LB/>&4Q^SSA MMX!6;\P)X7N.Y(5SE0FX39T0-5B0`.MH%R4LSU^OIK8QA7C5O;1@)PT<0#`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`]K)04E3-ON5$506$W2D_\91 M&-A>"$EQKZ/@]RWPR\+.Q&T+S/XNVM87-[-AX"I+UY1E7J,IJHR2%NHZUX MT"-_H)1%-AZY^)V,I3`/:\Q@6Y-\F?`Q+?AAJ4&C(&YI1*1`Z@6$ M@XLMG'6W]V$@N;D\7Y%N3T'SQ3-3^5TMXN8=<6]DJ8J4NDA'&>EH(ZTZ4MT9 M5RG\QCX]I`*GG^-N.(X3B(6.>`YY)N'1GU8?G<:];\338REPXN$^EKJ_S>D_ M]@PKI_0NVF\+Q2:#L5W]!*JZG=/C=BJU>(.PT83ZK3J]Y*K]G%0-@EGU-W=K M:M4#@[?E5#+M,W(&K=XP@_F,MLG.-.`<\:7>==1';QGVR>[N(50P17A&+ M.H"<,.7['4_^^;U.8F+V:YH5]]$]E=^/!1>H?A*(@`L#S?K1UZ_!)I6T`VKH M/T,H%I7%C=_1;;HO+^/B2A@7&RV,C)6:A1>1+7"23NK)/N/,L@W7H&;\@Q(G M>X';Q!OT%/D).O;PKQ^C>=$=3]17CVD;=J\=4S1T MOH='JM?/=6,Z4_H+>-22O8>KVC-".;T7[_Q4FX>\YXOGLLJA//L25VI[R50( M=XSI`9%:=9WD=AZI3/]F'HU:?VA#O$],:V,BSNI[Q#ABNBT"BT.SG3&ZZAM57T_5R`7G;R^FCS^)[^8-R=%Y2#9,`_YVD>1 M[=?%/F-22X?ZB:!-W9$TB`!VBMK0,,6!F;F#-,Y,,XS)&CXR]:`LW0ZJ)$DC M^N8@KAKEYL.XXQ[1!(N(6T43K6,B750,Y#1CD7X\1(CS'N4`\>:@K=@^FA': MJ)M)G57-MIA,'%273HFAS:L?Q]SAI&]"@DH<@^=65:N)"POG`5DR@VT53%+@[50([\GS&E*61!!YYAR@&P@+I6`[;E! M[^AM0T^1=B!#;YQXX$/O/6:Z"[;H!K[W`_"]:JB]GP5J[W%SW/K.8W$H4Y@Z M3C;B/X[OLWB]WQ;[K+P1697U3M;0Y,$3-+BQS=J@AUQYJ@\:0DY3J0':P-M3UVEZHZ"62X>:-5O@<1PI;U*AB!$2/)#S`S<]+$NSTT,8N M(CWZ2>%H``QWM6YF=!N30,_P1DO]H`:]9'TVQA%!?O0-Y'9]OA#(<>]4*P?[ M_/*.6VF2`.Y+71/X,16)YX6HQU1=N>:HIKZ1;;(:I\NW)EK%&^!%6+\UR0IVN=0WQXW1S>5?? M6W#9V1@9$`[2M'WN6M/4\753I6;TJ1W`F.[94KUL_XEJUI8SM;[OA8AZ&6F) M[O+O3IM1D%KVUNBQ4:54]V51@VJ?,$-[&-IH93+`RB>?I;AJL/2*H*1^M]D= M2^XO,FO5(\Y$(*8F(^KH;2%*_12R.Z)0)P*?]GQ^<7G7><6E2A[X8RZ\Z(&- M(QG=G.\>HYC][Z_15\ESQXY:JA]ILA87@DTTBIXON/FAY*6+VM7-`R6[\@\D M$8K$@^B]5YQN*;^]G43E/"#.R7H;Y7E\%Y='M.-*[\*9ARM`4SRT]"/"1(5- ML'!R:"'>X"1`C@[X8`Q+FSXU-.'RA"L@3`-_8D0LGU6OGK5J2*WG@%2:WCQ3 M%.G8@E1Q3.(<+*.>HW+TPP=ECKJ4:4>69F&II,NZI4OM2GUC83OB%RJ7*A?-5=[!J[C"WQXWQ M3G.82MTEYS9.+<8C;X],V+G@AT&J9R@:7K4J2*6#,"6$:2&5FF^D4:>O"[,& M_W4+N&V_SUW8^>&'.[R(HD^)=]$W2HP!$!0E4--449S;5G6H:V/-#;O/12L: M.C]K*=6+GBH:3>G?H51+KD[X*B.?,]K4I98'.J3'F4)X:%D/BM2J^R0/1$IE M^@\_:M3Z0QSB`\5:&Q.Q=B@Y"Q%2(1P:='2O^KI@!^,57J5R[-=UM88F(DAV MFN95(DCW/*T+@E`'ZG)[M5K1.KYCF/C[0[Q^$";;5:WC7+F0-%U!K\+)3H%[ M#8&-/4_54!-<,!0<6&N45DXUFYD1UT.^<$7UZ<^LM_H4^'^C\->6B\V(?Y32,ENCZ`5G4QQ` M9D&O..T;$>RQL#`14//#[F$@;NE38MRV@;Q*#3YB<'(7M6Y+K+#H]K955]( M8J$&[\[CTA@"MIK1VP,S@1UI&MX[`QB M@)Q?L@,!9R"+(C.`5'5;CC^4.N9F%I80TS!+JQA8/>IBM6E/.@)!53/-@%5% M&N41J_BERK`7)"R>BO#W)L2LCS^XO/)@?LYAXNY8X(7+T!NVI[VI`+HRV^\K M"?,\A^#T[@'@@8-+Q0L?@01N5"CIBIE=L811T#S/DP).;P>`'PD(]E4`5$3I MBIM=$37_GM\-GT'7=38(&W\0?3:[?WI]WM=4=>:7V0<$>.2VO&HT,'%'L*VG M>Y%;@B!@6ZW/0K$U88U6I]INH=;LY.(W54R]R1V1^ MVKEL(\['NSDV%$T^S+VK"/''+_M8JON-5$Y0"9I4"Z7?:'DW6L*]5*8=4(KM M+[?&2*I%$&I2ZQ>:32.&'A_Y,T*L63)C#B%5]I@CXR3'+W?X]DP>YRS8$WMF MRWN#27@]9KK:%%?&I/P;88S8"(PPOG/:_+(^@J%\(F2*JS5K4DI>(Y]56G0$-EA>=A/( M[>IDHS*'[9]9+U%6V@YBXP?Y.F6]=HPMGW#NRT&"L4YZ(>[H>.'7`GLYR][+;'3&(\OD6S@O MZZ+F.(*_V\%]3;D*FO2I%A]FNPCT?I]LU,]>D&;9OJ1U"T<>&A5"7ZY%)G M1J.:]7;0^J0+R\,H!!(X;@C M)!2!="(F'*<)2KV(V;_6ACTRCBIDE!\&=:3`$1F*K'HB,E!SX%_9<)RQ0'[Y M1+,DOG_@ES2HISR4V"4\J^4EW7Y\2[>1DPP M8P!CZ1C[FOF!D*%?H]WCEAZ0VWW!DN6";%G3AO-/I&UL550)``.:>#M6FG@[5G5X"P`!!"4.```$.0$``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`MC"S2*#,9LGV'B]U!/,EV;JIQ_OW\*4YV>%IF>*W8*1@D89O[O[V!-/"FP&_8 MA'%&W-5_?/>.'J(B=)R/[0-@X)7(2Y_J2#-MO_XU>F.#@ ME.F@8U`F,'B(933!QX!R#9#WO@/DM,RHCB_BG,RT_T91=IXNSLB8DRIF&1E.T8 M&&[98."C(K.)P>&V4`/I0QA`^A=.2J*![.4B3E"6,P'$*=,!SJ!,8(`1RV@" ME`'E&B!_"@,@M<6\0QN6;)R(BW8=&4[1P%`#DMC(K>$T4&/HIS`P M5"'_E$RS*YRQG5]FB0YB>B4"`XI(/A-\].C6L/AS&+`XQ>LU3JM=ABILG-^4 M!;U(02_$L`T,H$+7S`@K!(8A!>F-3(ZPF1IA?_$=88W,>T__@OS2G[)^AX*\UNMI-ZW8/I= M))->Q_^^A,!'HVB(PM^I_SW\OX M.4J(MGDBP0HW>TF2PJY%/BO1!3%B]*1BWU47E.@*URWAS`P#^P5#).N:7S'E M:DN,15%_>_T998^XEU?``48NTP(1110G9#U:7=;;4*N37Z8LN,`*U_J5%0X` M1$KRJN))1EQ_8]X3:'%44)Q&6?9")*Z.],,,+[N.V/[VZP2`-QWI-'8I!TQL4(1EFQ3::`\IME;:$D M`UBA2C-^055\A)*ZK%)`@4BZ/K-EL)!XCN*$WH>[P-D]&2WW-!T)6>6@OJLA M+]@L,`0%/<0,6"X94D2$7)_1TL='=9=IGR3@9Y0L:OEF:WI+L8<2:/%:I_+B M'B)&4489;N3D7!_,,D0/F8^O4)2CEI#7J#X9@A9\&*G4:^,)5L]78&E(#4(8 MC*[K(U[Z4+O-\(;,U2_T]FP5LR7NWX8&\(B4/71!BM:J%1?U$$,*LLE@(R;E M^B"7>81E/Q`X495A@5XDI5W`0RQ(Y9`A@$5`_Z26%RNH3Q@OOL9)TNOR_L^U M@O8_>]B]')YEG;JOYOI(E'XOTHC4WVG<[;(BX"OTIX[EFQ:=Y4&(;U7I8W@KR<;.%=Q]!@G54R) MLT\N*-$LD5DEG$G4;++Q+MAS/C>'D@:?G0ERC=.8N7_8TG=/.)4JM<"P*NX. M9?&Z"VM)VSN/U2-.1SB,J.LK][8/`_`A!2XO/!+@/YA4Y90C"4`QW$V>1F". M=>5854_[GL.UO(OW%0/?2Q=-\E@Z:785Q:#5UI4-Y\D]^A^+ZDS`)J:=1X/@ M-X])O*HT,!P3D,*[D2(N["]"%(0$XD5,,?BS4\W\ M&.=V.5])072T81^SNE=C,]H+-TTU`B:/W>B%P9ATPUW,5!?\GW!"^,_IEG3Q MPKWU(RNXN^O#+^CP/$/=*15WK).=@A*[TPN,$@['@[0_,$2J_BC@4=V>86!0 M"W7:;WJ:HG8 MWS@#5V@VU0`5/,>.LLPJ:((0#W=1[N*G)4VUIF,DU;_">7Z-B&?[$'WK&S.]VHUE4ZWM.0S- MM*%D\U1;,EB^^7!2\"&K'C=ZX7I;_`*U=ED%/(>35"85Q+"(:1P;9CX8[M'R M4[KLE"XWO8>%5"856+"(&9PJ#C'4`PY-Z$5\1.3#=4O;<:QT(1V'T.*,&@4R+Q+NK-D@1_9=QP`)>7 M7(]LE??P&+6JE+K7(5OT+$>(/9XKO#YV[=KC>)5;361*N\FJOEY4:[;^^YK, MW2=9)>:&%+^2Y\LA+=GUMZWX#01_HZ$KZ#9M^ZPLGG!&O+&%$'*\PDRH#0L' M!3&)K/K0&A(._J0>2\#JB2,(G+H%!5!J"@8((Z:,IA!JB.J'%SR&#_]Y#V!I M`9#\>-A#'TW0MSS4(<5ZOB/`W:[6IC#0M5*H,3S9$:Q3I2ZUYOD/J3L58/:; MP=LW7"<*4'((JN#<)[B4FB#B.DX!)L09B,5TER2E>*`)Q%&"26<$EIZ+Y.RM M,TM;XENA1'OBW1*L3?&FA.?@D$NEO2W>4+.;$:UM+$] M>N/^78XM'SO&.)%22:G=33A.*>?W_^B#`_%SO"`]N&7R9H.RB+YPRA58M6+O M-B"DH@]JN4"[4V#M_16^.B05AFK@5G!F^S0Z%VOHH&L)X8VV+U"*&@MWAZ:1 M;BO7&?E?7L1S3KX#6.$>[GB%`\4<2'8;>.,U%.ZU"ZX>]IF^3UX>HF]T+WG[ MW+7JE``F))LB`(2#42S3!G`82SD8#FM& MRU.90SJBG7]#ZPUO^$K+RT'9E)\N+)D:.1`PF[;#G7(X\VT/D))23;(:7JG` MP0>3WB;DN"T&O_DI=_645[?*J]K@`:FLDS',H:AQFP>S?>HEZ*+;S.FVM!A7 M9L+RQ8V#=I@XY@<:,\#>8+8$&QA3.+':2'G^;8/2'$D6H)Q2/5,]*.6+=)(P M#Z<46SJ/`CN\7L%0T=@6JD>V/28&Y((_5]J3[`1G&?Y*;]*+L3(LQT9+NUQ` M>.&*IXN8-D']5987U[U[DHEQ(D9'4)BPA(3@D^HJ."GB:5/9(QF0"S=>T0W& MU((-'V"3%6,&SMK%0D")1#AEF`SIC3'B#OMBWW.<$_$O<$9W))L-29I%9+!O M#"N\?[5/6-AG^"@)"@:1C&JXQZN9PV.V)#_V9::R0@R1M++(/`DJ^XPZ(T68 MF3)!*V,D@'7S)LQ68LYR7%IN^/I+OYS#7''/*"U1E1%J=R[O'F7/\7Q@PT%E M=QGBA&6=C25Y7V$U0;N#ATM^FQ5.2#;3C+\&\JB%2+R?DF)>%]IY#Y=#34S\#:L4=RY(!8H^@UK^TI3`+N5QH/? M%?X4Q95#=I/>1PFZ67[&6;$BLE?'2'L8!Y5M7E<6E_4;ERJ"*B!.0C;<=5I? ML/V.YS`^!"K+`5&O;%@@$@EJ`*(>V<`3L[*?L-YJH0W7&?7\1M:.H(K8`Q(7O_*K"E\BC@H`AJ7"SXM]F>(FJ M4&.4T.CC\-P$\_/^I$3OL^(W6+]%&<;G%7: MN,W0.B[7;%NA6WVWCZ9:W7.4&>I#!87J3;G(4C?_8YE7V'OW\<.["GGTEU]O M49KF+\ESE,;1-I/1\+TN89G&#+'+>(X2B&1*!HE-3W]Y9AS\X'3[9Y2M$'6? M9W,RDVYS,/5Z752D5@V[B.=]#I!+I\N%0#`EXIWP$!DDX)'#R*-5#^&AY0 MI!B1*C!`9%@%A0`/'U]%5-O2)1H1Q7`3K>Z?4[T@JCW%:1&G99RNZHTQG.8G M:(FS>C.6>(DH_QRG.(N+E]8]YRZ5;3+,SZAXPHO]N:;A&;6#M]S)^7B@EGT> M).ZZ0.$@_P%9'&.S[^!CN4I'M+TSBU*T'#RA+BG5&2.,4O[C62::(O88Y`)V MIU"Q'PM]3XKUK7&BNM]\!H%(#/ADWR4RAK]TR/V;*$OIU?GF_0G.UK6L6+.? MPRWFC8`G41[/)=)URG!$J\LX@[NT1S!,KB[N>52K#2LV-?W=:B\.B-F9/5=7I*[+]2/* M;I:#5]U8_H!6W5KUBG5]!IN)&L`(5&RD@66X3X-R!*YG2=E;CYJUQ>#DUPX0 MGD!5F`*4WTP#4=,9R*\7?LCD2YI[(L7CYSJDYOZYG\$+1-MKKWU&.8M:S=J[ M5]05:Q\C.YJV0+>?E"(^BHWP(T$A'MNFF\,,8:EJ?P+VF&HH0^Y?DS3NALTKI$N[L^.\OBG'PZ M(_],5\1QC_%B)S:P!ZRU(^D2"^TXLSK6T8L/UQ]=TV9+DMTYDG$DF)[]U%7* M^`-Y_"%\'+SJ?1#.L&T/6)6E^,?M@$W1BBXO7"_%11J^I3]@FJ.R*G6+B3)1 M$6>5CUAO]]XF]`G#Q7_*.CV/XBQLJQF`7V36S*L8QI9[X_!CV5P`C=!Y=T`_ M^!#YM:*?K5;NT#R)\CQ>QO,MW'=:8]PQ.7B[-L<]K-VC(;#07YY;!IA$!L\W M^6XC^*+3$X*SF]/+"YSUJU ME'.`07V`X7PXV*FZ58PPKC5($:8$B"J+V:T:>N6S<# M#<2G_@4N+R[$&6R>CK1_9[SO:H^OH$^D]L5OT#P\B"HKN3]_RB\9(H#AHAMC M4MB4S3>R/#L5%.5/%PG^FGMU%FC'E?S@#[?H\)0/HZC+(SW5B6?Z8A'IS9.7 M+SE:7*;[9X1WKU^P[D7R\E-:);H_1&2%Z/'TE&Y>`;N]JG2HRD[;DSIKU0ZD M8K+2P^D\3E!'O`<,5!IG'(_91-W-XS1Q?`7R<&9A5)"8/2$Y!FL*[T\&:%3. M$.%W'F]QLZ8KGS^V?].<7G.ZSX/384I>Q5IU7X%K31;:>GH[#,;!O(6[]-W) MT9:/7LC(Y[@D^B2BWFZS5>;\%#-F1)I94)/(9$>&%:T>9J#HLFI\1L9UB/VL MYAF6$@98>CCK47"#A*=Q4TZ_M(;>QX:O_!MQ8X+7_?)Q?9OA5 M/2`W-GRUWYX;"[W6GZWS"[RWT4NE,[*0OLGB59S6WE/GH="?4;*H#RKT(RB: MU9N8BG+UR0+?4),'BKLH,ZFQY^[9`,GP'*%%E5.2\8:N8&@H5]P'&L$5ISL< M=+5WL``DF+UP$[B_MI>Z#^V;PQ_Y/I1OSGX?7"4'JE_6FZ@GHQL#9VC[W\N4 M1HM*JIEMWF"B2Q0_TS-%P^6F7N5];EVERI,%O9$6#S,*5%G4R!3K^[!H)"4> M'G0P\*MPAP"KRBL"OE1CKN#.8LP@;:!KOZ7[ZG?K:$I][FMW%(QURERE7OL\ M.:S>9-&NJ[O#0%Z!.X.\A*YQ;W9(R^H90JMG!R<\;*QJ^3!CR91E@ZR*7MS# ML'\,\P#'_,8ZS3D.ZY:/M+BYX\`_D&X\[E7OXPQ8,1_'@\X*T$_D:&![2L3R MV7M-HN+Y4YFHNZ->SU&+2+P&=7NH\@K\K= M21!5=>=CP;N:N3,`UD?//Y(VRX[TBYH+UQ:VY?P<%;5$MQG:U'M^].9/<$133QYQG:X#PN\LN4'FX2&6T-*@PSK40E%!Q; MT9*I*59J6?^,L"BEC/O`B^[*"FLL,D!A%$6&JC`*@)%I^)9;'_H"$5FBY.`Y.N?605N2L??L4)X5E;7V/A6H4A?>?0BT24`U\#BG'5>CSO\'4@ M7%-;HP$VVB/Z^JL6',#F[?Z`=49G@H7U9D@JE6T-#:B);QH>)-^ MHGDWAUKG)@R M.9U,L#J'3,R.(E@Y9*+,0K@[1QP-7,1IE,XM'S+1)"JV@LI$/;K6T`3!I9<9 M^@6Y5QCV!7TS^KJ=S[RJP-$'R*`K,L*^DK!G0#_N[4=9Y2=,'W"RO M<+IZ0-GZ##WVQS:\`L-;YU68$%B5]3,6:"&,A#MOW>W.=@C1*BM6]P&_V(20 M"=3%6'CD-Q]^Z+DUU-IBWC_AK`#846D=ABD5U)D09G6T=`B#*N`EW&1GK=@Z MD:_,YD_$UR$K)[Q>XU2T.2BO,-P[X5:8$GI5]3,:=`&,A!]XWHW(LY@J+%WD M&U.J MZCV2#32AAE>UA@S>Z>;:$>?0G)$1FV4O9"#^*TI*&"8Y=81@'-0)%(5BV6W` M;]""QJJEQMVF0C)A(RLFB[Y??WS-^!M(/R8"-4Z\;!%XGCI?CMR7FTU2J2)* M&E5`%#L%"X7J M#1@8[>V.:9MFN'>#=D]:H)P)!^;7_>Y\]VM8H!")9H"+'ED7.Y#S/Y9YU>'O M/GYX5W4W_>77Z@SY0T;^;\O%`]X?;R2K-F*MBY<>`%2JU*J#50D)*AI*T,8/ MK"T72V0.J*JWG7)$[R90)V)#I6SQ3_>2JNQ_G)/1.I5WFX5JE4."G)%BM,&G MVJK!FMCL:!`'BZWWQ6[K/:`%D>4:%_>H(*H93F_`\KL)3UH^))"IBF\P*4H; MTE_F\J'DX;).;TFAMJP#MZ$?&N_,(G]_.]#V%?EA^XWYJ=,3Z%N!TL4>;)V^ M6,997LSC(OX#I?ECE/[V`W&OMCR<1'F+.MH>)3L>I%WQM@JS293LAV:[C)+F_!/7Z0D?E29H0>"N9-D MN&<^%GD;VF>2=V;O[((3CZ[ZK@6UPGV5U]HZU_J1!%:6&$>F^3S*TCA=T;V4 M^R>"(6=VN<\(Q]3*BM4@XA=S9A#[+/$LF[0<1T0?;(VT=S!R*0HGQ9?1BUD,["2H)VQZZ` M?B<..]U9MOV:NCM([WB@A\/KP%'Q(LTOK5YQ&(.15G0XTG=,TJMT%9N?H^PW M5-`D9H3CU'"F:&K]'F-"T3WK!:(X*G:(&@Q M*;=B1C3:FX[J-)S9'U$_8SLJZ5H11H.[[4;UAB9A"[BI`CWP&F9)4G5$^R>I M(P6H-)S1A97<'1C$>?$9%4_T)&YK^LOG6;RA(.#9$N5ZS;%!>#T??!9(3V-] M;7`=$$&[U8%">'N3L"#[JX:S58:0VZ78WE#?+%F,<>R':K4:(O!J+C,H#-BZ M0WF4M/Z]=X5/<);AK]6^]/Y'.B^@A=R%.413^TP.(S;ES+@IPQ`?5.M=BPAE MMLX*,2*3E@Z>NMHG6F\2_(+0"4K1,BYN$Y>+LU.\IH'P9OON#A5Q5G6/-"ZM M47/G=BC4=.B,=;AD]1K?'U.ORM:-I*HSPZ73^=A(,5U;I-#^UD53:7<27MIL M/B_794*OQ5/I,_1$BL3/:+M%H&%O.*WPWEE4JM2\M0BLY-1B]+BB00:1 ME8`4;UD&<7%WKQBI=2=6EKT[^&'-->->W,PDQOI%%&?5M;7/***FS^V2;,?- MWA;SEF&0HC4$Q$6=C7D66[P!#RHK$->'H0[J,:PF:W=TBUJ@8UI">1(#FD:B MTX+8.5S2G!&KVPRGY,^YXY%]C;[R>*)[:D]1ND+Y9=HN$Z?S>,/?^;%(<9?I MQ@)%AQF$M+GG61V;),UU[(,-LPDZ/(J"^VF%C/G=9JJQP>WP.;89QS.($DO#?]V6>->83&Q)7&$#:'+,R`ULCRXY'_;A%RE_U+FJ$H(99M<87S_";M&S3Y0%"F,,"^`H5@X:ZK)3L( M5V@]Y+?:V8@%:IU7"3I+:$.DVB/(^7,4T6 M2W/"4DV44?(Y*JAZ7LZB`@G1:X/4T*73(!48OBWJS=)=!0TV+#U#X?(B@N.% MDT_7$3A[ZON)G"KL%F?%$BYWD0QS:[5Y$EOJ4D\^RE7;.8ZA8J^PE1;>!`D5:B' MNVQ@2'=*>(^+?Y*IE\RZE^DBKAH7X]"43+//KTW&5XQ:4@P(L?IMZ:\DO#"? MMU%>G)5(V7HJU]L]E02NYRLN=44'`5&!>+@/R>U=%I:#>V_V#"?'MU[=QS+ M/MY^YRY1F%D*>+.@J/!@UF,7#NH.N9+D^K?`9;W<&8"[MW&=V< M9:N/$,ZW+ZZ4!4@9DM/1-HGN3\Q9(1K0(!E%C[ICQ18S^A.W-TMV9K84QVOV M5Y4SI;77W#"XSTL)?[&J=95W19+B)U"GWCHD+!>\R;ZT4SFY%* M>S8G89?HO4PW)1G#E>3_+*.4:)"HC;H>NW=;Q6=PC0GUL:Q!*!Q(FVI)$]D: MS09^.GHB.+DF.KH8`+VTN$`Y974XHC/K>69-E1TH"*Y>WFO4;$/-_;D8W[; M9=3K?/,FU12[#[!8&'$6J0[);5ZZ#JG`]W!_0?'JB0X^LE2,5NBZ7#^BK-Y$ MRV^((U1$Z:+VZ><]A&C5K96N6-=_A)DH0Q&!BDV%>_>1J0F(&8:8WQ!`!1%. M$3P6UWP*+D%*_7.-W*.2N*+'XLJ^=S'W`SW-#B-GJAA6=9 M1K,%LPY5VR.X?^G=F&`((+>N.&7DV^`@\-`T9_#7RAK8`)C_+JLM]N#YM4-` MM9E*;!EO?G,&D69,QHEKO')4`G,98*Y"&#B#B:B,)RY9FZ%A#S2KX>.+_4YK M7OZ@&4.GBYU:FY_-O\Z16$3F'V+^VN.`[34G)`?LR7/ M>NHZ6J,SO([B%*3N87&ASMK%'9Z?[EQ9^8RHNS@X#BTHLSO=S"SC[K`RM(
J6,)]>UY8R95RT$ZYRJU:V.P\MB"=(P5'JL,$%+>PNW>D:9T;H^.,3EU MP6!7(G[_6Y(DW/#]'0U_,;R2P>_-9+'_W2W/[.EN^*7--WMJ.R#GG^,T7I=K M)N_,;S7WO6_NLOHP](O%K/?2\^P)T$'9JQCN,/H-W+.M;T['=;]YUK(!U M<<=V*X8;]AC:02PR,PRE-`Y(I]+1UQCZ&KPI9VS/H-5NN(=C#)5Q%:?HLD!K MR\&)`5D[D8@6V5`5/EO3=VKM:KM+TXZJ&YJA+EV'"#1?U3#U;'4QN^/:PLJE MX=:%<\5+_SK8AO\:98OV;;)RO:'2$"E1-H]S=)O%\T$@VXQ*$['6I3*I$6%' ME^.-`6W^QCC2,0EO:Z29W?,P3HOMZ9QQE22YL;_+!]^QM.27M.="M!XBO$R;DU*W45:DQ&P_Q9OAR4Y@^>'C MDKSR#E^0E'<&5A>Y.ZH%C?0>@N01#_P01I54Z`K3.[79NB5N#UBR8K5R^<5\ MAQ%00"7T\&F&&X$APFXSRY]&6?:RQ!GU4%D'<.0%F_=3!`7]$I.Q@20M)Q+2 M\083DR?NB1)@:9&\7IPGV8_#+8/,S0QQH<'DV2WDS-1!NP@#!>P:.PGU[G39 MI1KN/H!\?&/5H0'0:K.9(B4\,<4.EN]0\PK0Z6YM+:`9[LXL4RC>=@>LL,B2 M^[`UP>Y'UH8#H*1PFG:].0#L+^YXD0?RQ2WP1XU_0?<=G_D=FN-5&E>YJXC_ MS<,$KUP?$<-R(>%!(J4V&H9TG=TNY`"B9O`/M-BMUFK6!X>(907W>9*Y!0/` M!%A.55"("(^1+"F]>-799K@9!_@`/'@&C,^!@@E)\1D35TKZ)LQ#\ M+MCD/OK>8N6QF*6+\]_+N'AI'2[F!>-5*PZ#VM**/EQ^>R;]0T%W@;/[*&EM M&TGNM<'J#:^LR>HY/%[Z'YP]D%;RFR6OYX8A.,5:NR.IP%H^:X,9J%.N!]>( M\^#=E_M/^!EE:74V8H72.66*\+IGD1G.4ZU6:P1>S=G\J=[96%L=W;D5W#*= M:>$MAAN"^7+_D%6IP5^D:)05W.&/7S`TQ`%%-L(8OXUP]]N^W-\3;2#ZBL(M MID\HS*/DOGQ6F[ M%O<;,L(P$>\\);QOLCCG0-(NT<:!MD0T+)"/HDJ#T6"+GWK8_"D\EZ&O&^8( M$!=JTHUQ"H6%4)"H!HCCT:\1]%-X45G5D`K6CSHHZ[TY&Z'08+BG)-2C?;"N M4+E_*FX8V!6AGZ^`Z&.PTZ,0LN7M$BG6=7=/E,O=[O;2`YZMR=Q,]P=/<5Y4 M#Z;Q7L:V0ZVY&VI*S4.M=M@%:X]92ZJE7BUW-P(MH0+KJJAW\<^,G>J:%Y0- M@TL&/J3`%H;'.%J].38A]*;^*C0 M4NLAQPN4P<"3G^MH@+[99',D,>D9C*0>O=_!Q1XI("'P-2Q[0ZT)E%NT7OAGBWUAZM$87_H+);4PP!7G2PNILR$&R+8 MB4XL9-X1_3+M&M%;G%<'INE3RTG]TO+^A.+NFG%3ZCW/$HW64-^2C=!0P.-L M;+7;&H(C\*GO/8NLK,GQ?KY23G%:Q&F)RYPM]3ZM3KKHEN`>23U,8U(_PDYC M[@VELF!7*,\?GJ+TX2M*GM%G4OII/Z]8ZRM0*\:=)&G%0T_1*L:%CHO-'H)Z MH3:D$WM`AE(%GFA$7R]M?=Q4^3109G_4@UHQ'O625HZCWE(/A3/J)5)--EX) MUKQ]'\R^HW44#D=DJ,]1FOLG[W_<6JM6I)@6L^Y_2]JQYH%SVSF. M:6N]%,Y(E\JE$6D.:M]#IJ!&,8VS,I89`+9C;`:D[1S-@+5>"L<,2.72.!\^ M*3,PUK`?:Y@?A[6]7@AG&/.&K@?'B`5E6"(28!S>F?1'%]@N$VPW.$ M%CE]IH#J0*25'A9UJM8]HE8U/(0:J,80K&HMZU]X]#S27!UCO&L=!Z83P34J ME#?YH82DOJJ<4`AJA/O\_*KJJO+3^)3&B1/B' MIPR7JZ>+^+G2@V9&$0/:JE8+1OOU##,=93L:<4!6)WO6F:$-JH-:'0\HM3L" MH;1U1J"<]BL;@8K*=CD"Y:P&GI5821O6AYWUL78<8%"UNAQ5XJ$4:MKEO@JZ MN:6'&1PD`P=:G3-,Y-6G-R@453;R$)!S8W!^8*(Q9?40SFAQ.!`K=0_^92(F MBR?]_G2@64R.2T=QKF?0\5Z'G1B*^E5-%6(F,3B_+VA"X:0;>S.]=BGA3SOF M]AJ2&L`"(*8C!TS74K#MU8TG504[&%H`%E]Y8,W**(/0M110>YVC3$'!KD:9 MF,77&#RS,K2LCJ?7/8A\'3G\X3*5`%E7?.Y%&=5JH"'@Q069`X`=>%%F1%A; MNC#S*@)>LOC(@8)=##;JGONK3=/C6<\-7H4R>87(X&THQ68M/]1[P$ZY3)]1 M7M!7!7/>&U@,>Z?>E:P>@;<-[9*Z34O'H?[^=M`;I,]_VWYC?NKT%/I6H'2! M=@KO]-4RSO)B'M-P=IH_1NEO/\SQ>LO#%8Y2HI""")E_Y\I/N$-S%#]3=?*R M"@M*U+W-+.'!6V@7<1JE\SA=[1F<)0G^2GZDD#HE8(F+[56;#HB3_L-HNH0& MKZ2I$W*F1@:KMS@KECB)\3U:T='$$HQU%"KWB3HWHO867QNU,BN$4Z M(\I;TI\(QTI\?XK7:Y3-")L3EA2%+K_+NC7:URF&ASD@U!AA4 M;==93)^+QY1X)N61\E]^;B(G^.,@R`!VXP\%O]7](HJ%-ZU5XAG*YUF\*>H)ZY3\M,+9"R,T;4*B[C0]$OXIK00[J9VZ<%F+PSOS6N M8O>;LR'/TB\6L]X=G"T"U6CK5@S7W?D-W+.M;T['=;]YUK(!U<<=V*X;K MBPSM(!:9&892&J^@4^FUS_J\Z<7F5-YJ0W]/W+5A41#\JG_FFW^P#DR"?\8. M0,+BAMDV-)??+*GOM8O8T?,U+3;H-_8S5KL5IQF9W:I4EXPS[I%[%*4GT:9=D+Z=S9&I=I7V<:-6LU*=5T9\],,8%-=-2S=YJ\4&NGQ(-!L@8? M7K[FR;K3$A##@_(2Y+;*3Q*O/'V,C])6RX&G..!)>(V*.[0ARD(+)3O+K2?! M*J/>)#$KT\_XV&5P,,:K'&Z=SLN4'G99E%&2O)P_1TE9'3K`V?;11*I3N=<) MI\%W.R$T@L:Y#;W9P[PF-X%G!&!(35^]0/,B?D;Z^(?3X.,?0F-J^%?6VZCX MAW"C?^!4=,G([<$K>,P`6UMI2P]E29G:[H_J,N,B(,T)@=RB+,:+FV6S0=7> MF^J9'DC1YLE>8=%@X:>@`3L0$S?HVPVOZY)&H6^69]%+?AOEQ5G9#(`'?(+H MC8^8,(P6NQ>QM]'\'LP,J=3ZUZ82+#CMZ,T.;K5YT5_A&%^C/7!@?;8@?Q`E M1\EENL39>@LQ=H#9+E'5X+N$J/^J1KE\?W=#@;CZO@>(N/\V"P9,MI]N M3^^:QDW(/,>=-V(Z\*3'"NJPL?XUIZT^++U>+SL=E8:K:B>#4F'MK>%LA^:9 M#%)2:M14'U&O=;SX-QJLGVOQL2LYBZA1/&T[:RI;K+G(K'!P"W9'+#KYZ6N4 M+?2-&8.(NEWK$`EA7+"D=F'2.ISHFC`-%WI3Q=SNBR@K`IJR?\GB`MTLEP9S M]X"$.MA;)%X'U'DZ$Q7X0X=SS=!'ZD10KZ\D#1PAZK.CW MHNMPSVCY@U1O,HV<3`C`CN6PSB'O0NY3BXE?P#!\!*!WB7+8:O?M"_76)O`8 M1G,@@R'\\9T,VQ+ML290N_A=#&C%P3L8\HH^^9C'=R^F_NX%Y+$+R`L7$\C[ M/OI;%I8?L/!B87K,[PX#EV?YW0-,;;1/%0[$&JSX(-'[5/"F)+Z5%.X2S!T^ M.LR9]11>$%#(@C^E-P$.D_P?E.7_\!';8Y;_5YOEW^J3$G[UQC&Q^F$#H^`( M@?5$ZK*67TGB=(:(=,.:R+/8/\M[\G*:1'G.CCJ"@AWZ-/D+?QV:?NN9SSTT MB*)/4T7/3J0DX@^$M*&K4XATK./F4IB/+R"@^C.L.!TD`=6 MQT@8%+7O$(Y9SW?#CPPT<4O4*N156`Z:)**/Q**6.WZ%@LZOJELU6Q9?F]9 MUWI!WV*>5!XH@_4K.W)AO%#3Z%\9RYR0APZKQ]B4> MKN`IX[E5!+DZAU7LS:B"KN><.E.H4]00B\X[D[R M#FTV',ZJ%.4`AU.<`.0UU6=[$,#9"'>NEHAO>U#8'A*O:$!X,1P4!D.`;Q$ MA#T.4Q6LLFM"D-JO.0F<"M5A'Z7]YBS? MP/0#GK-GE$4K(YLJ)0%84?-)3`"Y4`79AK"@W1K+/P5ZH$`@]&5*."1R7J9S MO$:S^3PKZ=90\83[2<;,B,A!+20R`5C#E60;V,*6:VC_>>K0/HWRIY,HCW,S M<'/(J,)[0&9R`!@_9DDZF%AV&\T+VU MG3W9KI#EC3M&<^&FP-V+)4FGH9@[0#%]AISZ!-)E;).`_).X"''Q0E/[5W/W M,5.&;8F$65D8IR>8W2+.I&&+\"#3ACEA=PXC]132*-ER-Z.I;G).^@U(T<;Q M$Q;U3ECFQ1!888G`SJ]RW$8Y^YS@\$.3/;+UP9T;#E,^%LC1\ZF%!*OZ.WV\0/17]F=X$P2G[GK"@2&/:F$4"0`-`-E59(\Q8R.W3XH1:^_2&`CN3*H=J);4(NMNEXYU1KQI,7PG2\2M'B4Q8M MT'MFI\(*][Q57N$`.E])7E5`R(@'OO]UBS+Z:!!9KS(6KNS%`KS&_GEH>8T` M<*8NN?*Z`])"X-M2USC=*(-.K5+S*#2P4@#0TY)?%7W01@+?,@+%KK!BT`>F MZ^92F(ST%&Y[68NP"KI"X9*7*3NB;IM@SJ)C"F81A\<4S,<4S+!FCBF8CRF8 MCRF8CRF8CRF8_4B_.29R/29P=G_P[IC:=;&I3C8GRF-KTF-I4?V[V)OC89,V$Y3^%93WU M=H%E:L<@BCA`AE/6PNOP#W0=7T8XOHS`>QGA\#&GX\L(XT+.LY<1)A1G,EB_ M'I,X'V-;!TWR/%+D2X??<"^'W$7IBA7;&OS>N#3[W]WRS';,AE_:?+-GP@-R M_CE.XW6Y9O+._%9SW_OF+C4!0[]8S'HOZ\">`!U^O8KA6M/A<,$B-#*4TDQ, MG4KA*F2L=O<>L`GA)OG&'W=YP_97XK1J;V_(*-6V^]%P+!SL:F&-/SZJW8Z)N76 M/8RNKW&9%C>$_"]/\?QIEB37Z&L53VMS7L^1_<"[3MTF)J]6-T!HFFC'%)B* M;;O84@?CL4IT2_20/\4;@:U4K\A%(K_B)&`(U(M]#/(;=A:S%Z*PXOLR__#N M+'K);Z.\."M1F^\+G!&I9JM5AE;U,?RVB'T7QB[1#GK-B0:+;,OZM(-ZHK@%]@=YEX6,"G MH2CM+@P04CJF>*ULKP\/J0>>X53?Y.D/*%.[IM2RY10GP8>,C((7SK<>K@8) M;0/LV+V`DH2VEE-X*B:\-6]]`@EQ:X?IF`'7MD1"G.W\U#:*(1ENF14A&6Q[ M%7T*3!\3%1P3%1P3%:CXC\=$!<=$!<=$!2#C4]U2[NX7">Z*"PNV;XIS"H8% M%[#(IK?$.6WX%HD^9A8X9A8X9A9P`*MC9H%C9H%7G%F`O:@_1.:`3LLZF0&F MD2I1_\CZ,3/`,3.`X\P`QTN,4[S$&&JHYGB),9!+C`'F]#GF0)EL#A2/\DL> MF M3W.>L,?9-@^H$NGG*/WX3@>T2G0$$`;2"1W0.NJR"F\@`Y:S1/G4 M48!%'\"'4NP4P;*-W=AQ82;WZ2TOO%CM';.E';.E';.E';.E';.EF9EW"]G0 M!B;\]60[JR6_,DEZQJ.A@3\5E?=O0;H,@"5 M7TL&*!2@6PIL_6CL#778`.\@[)H/_(@6;->KS&A/:YV_[%95.F;95)TRC-GZ M.1B,=\V'&XNK]M]GZ>(*17D[8I5:-[@[B(LH"<(&=X**1#'W19PDL_D\*TE%''[W*@DTO4>5191[VVP.=6O:CC_`UV_*E8ZREQ%0,M8"83V,:@@3H8(;J M3[X)Q6<*/*(%S`0PNKF+"&.0B^AH+!Q?";0!6CL(JME\Z*\KPPF/]%6G@WT> M#17<#VE,%?,2;1T$[T,>?$MAT]U]7Q9U0OAJ:4UO,,2$7;28Y5RKK4]@_Q** M,H$`,6NL)U/`ZC`PQG6IP!>!\+7'>`M`(0\>Y5)CLS[37O0):PI7?)R:;I=[ MQN$Y"#V#19_'P3DI?49!.1Y3NHL^=C`NU'6?,=HEI/16?Z\!XS#%C0]O M+A_.%H#&QMR:%;=FOE\)IB%*.Y#!YN+9ZB(O?+<9XKV-ZC-S&`CWUL6(M[$E M!Q='OWT];%\_;8+K;FKI0OEY$]'[#>;/E_2H6SH?[?)YDH<,ET26,_18W*%M M_HTR(S(?WRN1>CVUZA94=\PQFD0%6LR2!'\EW_H'5C5KUZ(IU_9U,)NI`32B ME9L(_/BIT(*UE=$9\+GR4SE`4I#':1!5"PY.B M"BP\U"1J*]QXB:H;7;V5!D)3W4W:F,ZU0`R*__5C_94I<&M)1]E:"@MQH6:SGE,H%#B`A-2"`H^R MY?G!%]7V?3QU\ZB@Y<8[`S5R]+U4)VJ[?A6@]7"3_#)4TA8OOX)GC!37XX?; M>/5&/0/?:11^<4M8#2BBG\D<.RQ>E]36WRQ/<5JQFO^HJ!H^`:"26`1\"B"( M@+ZII2!H08++`60A*FPX\[B@3^3;K_'NX+E8%.)P@$/`0@I,:`,H:'&]` M0%B97F*/K@IP=]%G883`*4*'"(3BM,:(L@Y''"007J9W6TSBU0(Z4?=Z&+ME M2%?YFSWOOGS,T>\E/?B#EE&9%!S76UJN.;G.+^>MJ1WP//#'WBN:6@6*0%,+ MHN@NKB!%!V!8JBNM%U;@,0$9H:#&)^Z3#W0PG%&,!X*`I.Y(8)*L6Z&U0J>JP6974HJ\'A.-3H7*RA@^Z(A#=*AR2D,8_V8GOL$E[74=)P7&;H M-L-SA!9T2Z4OQRU*Z>]BP!D09`-2BV#8@#77H45`:S'S&J=_[8G(P!]0:3/P M8,^()P-!6Z&CG_[C<1'N2QA[V=2SSZBE1##/1R-MS])!&D<9:BX0X3Y*?L;K MZGKX"?EX7^#Y;ZZ3T^P7C?DL22ISUOZ)[?*K5=J=)H15`X711/Z@B*=8$ M2KC%G)D#Q6[#8%F[HQ_63&6$N>1]"\3S.+V-LG]%R?`)3V!Q"5;VQ2>`&8[L MMK&S;\:F#^QHUKA#FS*;/T4YFJTRA"HEN)XQSN*\7HC<+%G\<>8,U6HU/.#5 MG,T;#UF4YLMJ-P)EI&_2VKN)DGH%,)_3=P@171K,\GLT)\(L3G"6X:\#=VJ7 M4R5V:-1LDG2EYR^0]3A9?R$#*]@!XP'M8?(ZHRUB\;-\[R!EW6$S)U,K4 M)Q.2`IGW8(SIZ*O0_IV9AO[-,\K2>/5$$U33+<4X+7')SDJC4J46%5;%V11O MWJ-82RW=F5^;"^H,P%H/?(.X$?++Y@%_J![O%`*45ZP'RF&Q:0!1(OX(X!NV M&.[=T$:F#^\>\$E@;%IL&UB3BCX"U88OAWJEI&V\`UGC%&)/M%+$F M$7^D296)M0`CXL;^/[;G`1MW5=[\ED:]24US$B+7"5ZRUFS6`M7S6!G.]KEP/ MKA'GR=R^W'_"=,57)5I<(3*N"%.$USV+3$]"M5JM$7@U9S91O;.QMCJZA@[< M,K5F\!;#G9Y4[1#6'ZK*/='X#0H-AML1MOT$O0EF'+<`S$NXD0A#55UQ$C+8 M)FMGE^7**)V#I3=7=M"1N)N?,ISWU:I7N;F=IE@Y5),R!`\VU)Q5ZW+5N?"@ MR%;@,7:PN+JXUX7\:T6[?T`/_G"U;8=HI*ET'(_)'K/AOH6A?!3'O)/E9X:A M3%GHQ$D\>7F^WB3X!:$3E*)E7-PF1"6NCX:=XO6&,+K%<+JX0T6<5;VW[US. MZ3"-FON$Y_":'CQD>$9Z*R5H;'?;CE/)RX4*=0=/%8+J.M./F#O&5T;DUXA& M<]Q0CX97>F-%@:7E!/*[CO+>DN%-!G=MX=K\,:.[T.*UQ/+B[N9I::=A97%[ MDRZO!3K+RBF'N[=T7VXV235-1$DSD^ZG#BHR`&EF1'8I>?2(^(U**ZI1P*IN M>X$G;3BK.6X[0?=/I.M.B.^\N(U>*M>9"5Z=JOM)0J&JWT`U4(,"/-5:"7AE M:>2"8;B?(M>]M-FZ7WC-A;OAI;=>X"A?U8'FW=(&L,+K$``+X3HB0Y'V\O+V MKI3J_WJ*_>@##'*LP%7;?P1%`GT,`8 ML.LV%^[1CZ%DY]\V:%X@&N4ML_2FBDTPL[#I5.5B4E1U(@@%:V<,O(H:UU@+ M?=RB-T6KJ*C+VKPSRI1YML99$?_1[$)LUWM1`O%2)%5%'@JWZD10"=;.&*@4 M-:Y_`<:7L!%(09I.MJ9S/278RK4R$F29#==P_9,&7'$1):X/K*BM=Q6Z!)0/ M$-2Z2G]X\-S`:)N/YWD1K^FT>U&2N1S5H?BL2M,>/Y95:KW+]+3,:%]?$#U& MR;]1Q(A-6R;,W][4)ASR<+"D3FL#19^?\#=PVJK8[[C6HA*OXQJG\^T_KN+H M,4ZJ,XKB`:-,ACT\%,@$.QAT564'^@JMCY$]]O!`;P_H2FPR']+W"U9I_,?^ M#%P7U;`Z70C+Z@2'5R4EF(%3UE2XM_\M[HS)=URL[X0QFPSW>6F=(Y_8[#1D MMTL4&.AF+P8U''RXOV\&&I^,BIHA^FN4O;0+S=;TT#7,ABL2$QMW,+'0L&Y5 M>4;@-^4DW$V(SK`?'.*995F4KBK%_1(73Y?I(GZ.%V64T.6:2[JLLOX(Q?MC#N4;%\C>(HW#_@\);R_ M,(]W:];FZ4)6V]W41-`X)[39)QJ9'W=YA+L?W=V^T^PJ+!&P=UU.K97*Q/>H MCQ&<=*GG_E%#LS$C47=SP%"YD8D<.[0[C[%Z2^WLH15^F!TZ@0.(ILH9K(`% M1\Q-20N.H.N3#D/Y[4+TR$0ZR$)@BYR.DIGD7(;9[$./LM,1=N!FF]]K87[KBZ",_>1E< MS)I]C;*%.'1CB>X@8F-,U]U[(Q43I!76*RRL;\V[(-UO[C"CK?F]!.FB.@44 MK1$S:C-F$PV21FG"6:=4#T/&]*QP]=87,PPD+%.KA5/&G:,R)A(P3"<]GV,$ MCNC$Q.$DW+`'VY;A@XSN7@;Y-B>5$S`*!^%VE?WI&HOG,IX;;]A\E1"^VVRX M\2>I+GBJX$6=[!&$SJ$`@N&I][JDEKG&:CXKBR><,K<-FCH-6 MI1]\'KM#UET<#N)<[KPOU^LH>[E9_HNL4^)T50E`_YO27*)+%-,?:8+2W2IF M*Q0[*X4E:KM,88;4PC-RV\<,+E,B05GYQ=6+X`]/47JSJ7;0KW'U.CA:W.$D M(5J@E6R9/J/&30VB9N-3[N*M'3E\[W;;/5S'-NV&-_69C1R3:=*P5RW-FUKR M&\VQZG+K^\V;ZDKK?1%E1;#>LU1?E6N27Z;;^[L',SKL9D>W.?UFCR;G4'TZ M78O3%SOPF[KC*:IVWM'BX-:&V_+H!H?1\M'F'+!GIVMV&)([S"'EN^WY5]4Y M!S<\[&9'MSK]9H\FYU!].EU[TQ=;XW;\:S$VGD1R?OWQ&,N9A,61]>MTC0XO MFJ.1X6T;S3E/V7;GD`BUM%ER&,CQ0_X]U)E)=2`8=:1YA6>)X)KZ!<6K)_+? MV3/*HA6J@AQG9-J^B.+L7U%2(J<;43K<'6X25./N5:/(0^AXB)=I^U-:@_DP MLY\J6`[NB:GH[D!S+$!GQSTYA1T%?VRH)E\'WM4[6E//K*D9;%ZQ25567,#9 MQ\;>)Z$9"_VQI#I,'6JO$LC4T88ZV.?4`L]UE,O+IAP&_OP26XL@/PKDUTP' MRA`='.YZ?<@KA?IQ$'2/LN=XCM@"[BQOI9'\@;XWVOY.'Y^ZQL6_4>L)JCVE M;:6^->_!VCD?-6H<\C&1P>E+3XXQ_AW*IN]4>Q+@'4UWVW@.\1#JGVBY]X"M`C1T=-'VN`UW-5O1V:= ME.^V4&,UT[LQ4Y:6&G]_.^A/@IK?MM^8GSI]C;X5*%WLTQ%V>GL99WDQ)U;H M#R+?8Y3^]L,X9SY^*%.U:%:`%7=15X(S*O1MPU"4BYQ M2@>+=]EA)KX7EFD\6W89'T!^C8HO:8:BA#I(EY5/13OB M$V&0(HZ9E5ZW^A#LP.K.)E=QYV)C571G2V9K58)LY5;"O??6DI7Q-O5L\9]R M*[$,F0J5A[@$50X"E>IJ4,6%P!0K^Z[HLA4?+-\B+[IZ:E?6TU- M^]J^CV1FS-),1UKCNQ-B5&Y_$K<91:*>H"7.T!V:)U&>Q\MX'FT/D[`Q;H%2 MW9=&E(+$OCW=F8\#(UX"3X+9E^R"]"Q`AZ=E1E&QW4O@#(\Q2.]>>[-).L@! M-*)VS4>47>:"S_8HTML9$?:9*.D9Y?\LHR1>OM!#;/G/:+%".A./$CW`]`.D M%^08LJW'<:SX%W3YV/58.NNP8'-H_+CP@6G*W]`CYFH!NT,+KQKY$<$8$TK=$CW`(!IG,[+`P!])_-X(.!PR\2;DAAF`!19 M)P2LT.(L!!5I'<\0',\0',\0^+9;>SQ#<#Q#X!\JCV<(CF<(?%*F'3?*Z%"! M$0N3/F6@JQF&^V>#E*&W[-AYU&6;Z67:(6:H4.=^JR[C3%_!#C%#E3KW)2P! MB[&U9Z1/.Q9[[ZV8,O?Z)MR^J>+D%E M:^U(RGIC1&S@`:NI1FPS#!BB%D3"B+[U]^(H7&,NOYU_HW=M41V%Z>%44JKN M!FZIJ6$3IHY141P$?XB1F/C]\8(>!IG?:FWWODT-<2+11P5:KV']8W^BE$]36('9\\I'7I`9 M,:J?SM+UTEO]V)7-$R2ZY[`,>0C[8-8N>>YG%-'T-54NFOKOQ4UZ1]<%V389 MZS5.L^:?)U$>Y_K'M.S,8SO>]]EW!GEKZVD-4K2&D;BHLTE[Q]8LSU&1D_ZX MBJ/'.*D6;<`.8YWALDZWKT9SNNYU?O+2&AX7&?J]1.G\A;'%IU"CKR=1#?<: M8/'&W)53J-'7@*B&5QK(=ZAE[J*I5!'H8%C%V<2NTJE82P'=R1O0'IVY8>V$ M>_:`*5_;2L+AQZ\E0B"K5M`@E*K!'@Y9385[X$ME8N,H7SP+%6T;.605[%-*ZXKF-7Y=]_JY3#=ED5==]EX\O_-+]F5GE71OU91Z$ZL( M+I_%N0UVK!*KH0E8HY98/X(A]B,88C]."V)LP4>`V(\CN8F.(?8!#+$/8(A] MF!;$V(*/`+$//8@%N,F@Z![Q5H)`]X&[+!&TS5T2\ML\KE%X:Q2X"WR898J0 MGPD8;@-U#39;+6XQ#&A;W&:X\N"`I:H<%>.RS2X36IKZ[=%R=V6V8I>QE\=+ M]@`MWUR,E9=W)_MS%"?4=%W@C![OW!_NY`D/KM!(#ZB@(3XG>\>7^]F*1H/V MK3#TWA-)J4XM%;".N^,5\&[">AKH':&0MD?G1F`[SHX4WANT[>]6:`^93G&UP1J1HR26'K6*M M6MW@6H%`44\+.J`#MV207'04>'W&6;&*5N@DFO^&%GOA+M-/^!EE*0V@W&^( M-)CP>9X60#_0-MFZ:^R1#03!(^E1!^+V6-%/13K.&-CF3FE+=!&G43J/H^0R MS8D@)=#JFA/J9&G3(Q0(LJWI2@?+)HT'_LXO/.*"-2(4O`Y+8A3@N@DAQ9;E?4-`N=S,\`' MGR$8Y^'.*\CQVV)W#8 M3G1OVE(_R^_TB[BQU6W3O=7_SS*BP="HJ#(8+'&VKAH]WN)W=SYZBU-.QPAO MZZO69Y^EAM1WKZN3EXK/4YJE0WQ?BEUN>$6J7\Z]C-N>X(4TOJ3X,4=9M;:I M>HXN<,B:)XFKGFH+)+Y`-5(S[#""Q6;L!6*:5>,5CE+V4RZ"$KVU?Z>$^SEZ MK,[%$)T(O3%K/+77_1U>/`KU5?F"[E"4G.?TT,?-UQ0MF$"3%VR_ZLHI.&G8 M@35T./2)6)K*"I`[D0X]_;&F$NZ]FRYG#*_?(D<3N)6C["=BN$/%Z2-HD[V+ M-?VFPKUG2P7:BHGF3VG\>\EZ#$9_-PR?YWMSRS7RH;?FGSS3;`!^3\0'5HNULQ7.?^<_2-W[&L;TW'=K]YU[$" MUL4=VZT8KGW\!<6K)^+,SIZ)Q\*Q.L(RM;8X97SK<(@HPH[G$`AWKWLX$6+1 M/,-0SN[QO7:E5^JH\=P*"[Y9B[1EM'FZ$WPE2ZRB0T-C1_C*@T0IW*/__96\ MK)PLD4<@`V_8KZ+K&=8&XU7[[)R@N7`=/>89FN&RD#LF@=5$:4J9U<)%I:9J M+($4WKJS-!*CS"Q-F/8N*B2GB5@EV;-$M^0$$"E5@&T0LAITEO%A%-S1%Y.B M;'O\\F7_();$AY'58N.17VLRV`0J9AR<\AOW+8U$C_%[E)`ZJU.&\'.\1V#J(#-HSUJ;.A/*-Z$RZ!W933/\&O>B8&W-L&[+RT12:S];T[6OY,8*H`H?]XPJSI1PB[-J$BIV?#(89NXZ:M2L5:)4TZ>) MD]_7V$0?TJEST"Z=0I7:"S?@?1IEV4N51F-#!$:+K1Z@(-6LW23\5*T=#%C- M]*('6.4VPSVU<9X7\9K>PUDJFU6=JDU:1*6JP6#50"-Z0%5K,-RC)5!'#FLY M/MR[4JRV.FM"81L3.+@"63=PGT3E^=E<=7/;XK]TVFHC7,>A)=KNS^,KI\=7 M3H^OG"KWYO&5T^,KI\=73D.$V/&5T^,KI^.XL!#WZ/C*J;*64)Q M]R@MD6L4:TS.82@]?YJE55X$^L+'KOP.;B>.Q-J"QU87T\] M"VO(T3;4#N9DG!JKQ6)U'Z&P"FRO6:W"GP>I.`J:Z> M[,-4@9/`;S_P7_'I@5A>L+DA)B@X"9B"-6$?EZ*FP[W;666F_!DEBUHJN455 MJ%'W!:C&)."IKAO[.`7QX.PNA$74[M]0`8(65*&-64F%Z4!613,C(5;"@OZ= MB[$\4NJ65"E5K^(E(M*7&952#D7E>K7>%>I-`IBZ>K*/3P5.QKC,80+2.[0J M$UKZY;[`\]_DZ(17:')8`2I,`H_*FK$/1`@+-0+_[(^AO$P)ME%>J,S72G6: M5/>P.I,`HXY^[.,1R$4-R;^$?L/--`B/K<>=>=LP>HQ66S3&#`9\'$,D>^MY M)FL;#:HT(;L-<)K.]-Q$^.#16WB\-B"3K]S[6$4A"M8>RD@[.FMYV\"+J,(9 M>BSV^ME).,"DL-0.CYQ24\(B1!&CX9#3^#B/G!YR5V`^STK4?@Y0;B>5ZC1[ M!;`ZT\&KCI)&0B^0E3&R+$W1<=;THP[L/<.Y#/?5`?W#9U8..)D>2]-E8@*' M-Z&90.#Y#323?P@;\.BUEE,"@9AP4\FW3>9S@3/Z4MEO-\OZQ,U9B2Z( MLJMS#/U35$9$FB-5FD2\!YT5[:C!4+=)9T=1]-%9.R'#(!X1[C9Z820YL4L4 MCEX0T2F@65U[UM$-8L&F8\K/O51_H?_W&.6(_/+_`5!+`P04````"``G565' MAP'QSF(/``"'GP``$0`<`&-Z9G,M,C`Q-3`Y,S`N>'-D550)``.:>#M6FG@[ M5G5X"P`!!"4.```$.0$``.U=7V_;.!)_/^"^`\]/>T`=)TW;:X)F%T[BM`&2 MV!N[N_>VH"7:)E:BM*24V/WT-T-)MF3]M]VMC--+JT@SPYGYC4@.28T__;*T M+?+"I.*.N.J<0M(%1D]#^&2D?.3#R>G)Z?DQG%7DL\7'CF[N'A/NN3MZ=E[,O9M MFWODC@LJ#$XM,I)<>"#@#7EXN#DA?3T_<>0]?[[^##6 M&D2TQK>9JMQZP`(.]58NB[%1-=5-1$\T2_?TK'M^%C&!@_],:+6<2BO2Z[R' MCZ=4L;4)*?K0"@#BHJ>?KDE!$"\0S87R`"@6IS>]-4.<^'TO>!B1KU M+M0+(H\0C#TJA.-1#UX2?2N\Z;I#RS&='>OD0MKCJ*VZZ% MKM3W%I+-KCH80MTH2/YP)3L!_2(2Z5BL`!Q\W'/Q-1&!9@^;AB,15!HI*:EH M`"&.RZ3'(?HVP=0[F%D&M>J:!2R&;S7:*I/-ZEH%+%SP)AMET6E=HX"%6=_7 M'I0S`0L(7GQ]OB_I=+5:MX[A8W??%^8`1AAO=0]OJK1U2'4(-Z\ZA11K#2(= M-MC]?`JCP>DI#&F1A/@E%28)Q)&8O$^];2';\GW%S*'X65]OO]0A=TA2Q+GU MWE1G3(9F-E]X-T+C`"#=.$(Y%C=Q1G%-+1QJQ@O&O*^"^B;W<%A&I,K)"N$" ML#1<8_`H"_&Z&3Z-AP_WM_W)X)9<]Q_Z3S<#,OXR&$S(3U^?^E]O[^'!OUO8 M=H-M1"4X8L$\#I95Q##)$[<:YIW!0_(,K5]6Q$Y/&XN"XFS'H"`_)51M@Z0\ M2-9.'L[N(;FP6<$+7D!;".C;LK=\/('_'@=/$S*$_=/-\/'0?NN[PKCC6.# M"Q9`SE]8'4P+&0L!/J\%,,`[>AY\&3R-[W\;M'#O"S=5BSO+>54504Z3%T+[ MKAZT_?$7KDR+$?YDL$?6@IQ M9B0NIX4B$XH!E0+7RD9,CA%M&H1(!(%4BF@A+0*9"`3CS80N M!TL7'H8(I.Z6('">1B`004`&"86T".0@@$M_V,6KR/F;&R5^?Y?E]S5WZ_!, MAS\X5(2N#BY+G/P^[63-U[HWT[UWS&226E_@[4<8?P8>SWU:`L*' M-`BA*(*R-"($I1$MKL4F$YMGYOK26%#%^G/)6*S3R7Q2@LE_TIALQ)"-G!:, M[,F/[5K.BK%K)J!];V2MNZ7,)R5@?,R8!(5B2"B':$$M&IEH]`W#MU%?9F8D MY`$N)30E"%VD$8H))`F)X?2IQ2I[B*%<_D8MGSTRBIZ,]6/9CXJ1.3O-&%Q` M#M&"2%Q2"TC.N&+@MI%A.+X^NS"2CH!+(SG"%-*40)21:`<"R48B28ILL:J4 MF,`Q6_4021IBL%)R]';6&IGQ#%42IX7@1:9AI4"F+5?*H%M7YBE1CE M\I\7CG29Z50IJI43LQ;6?3*T.,"5*(N@+LO+2D'?(==KX=\AZ8NC7D10!'9. MJE>&<8VLL86V7DIRRSS*K9R<)'IXT*3DHFI2$K;>(EEM.S&!9-[#X@QE>QNQ M%,E*FY$MDM7SRRT04_E&:8+6+E*68"J\2=?9/,BX(DLT6F')E[VX79 M`3/#+[W$'-HY\@TTL5TAP#Y70[(0'`+!#SD( M8E,$VFH1J[3Z*AU?]Y]3[QDF%=(W/%]"UY:&L(SR$)A^S,$T;)M@XR31>HOR MCB>/$@"7$16N%!2<."J%O.8)IA;M'9;N$T@7$1QZ\?ZBQN)]BVOMU?OD@E`! MP<'7[R_JK-^WR.ZQ@)_`N!KI=US"O]AM";^-@#TB`%),BRK%9YB'@&8U(B*/ M]3M'2"I_+I/YAFQKVL;,+OL^X36T#/[T)4Z/^$\OQ-%&R2Y1D1D:ZX%BM>-J?43=0N"ZJU/3C! MP)^LMI7)V&.6IZ([W8VHDZ4RHYI`A>H4%?(J5&>;!R^Z&^;=%,@H-W=B-A-$WUB7*YJJQ+GB_[87QD8LIDP5K7!23"N_]H;)K8T%I7C-L6DK_:. M54&YH0O_G=518L,57'8W`G930W&CMA(1#U[LHL!V4;&+8!`2;$YUD8D<'1)L MEI0)KB[*Z9Z][9Y]V%\/K[8.WB[M)YWJN;(^$A&3OCH$%O'ZCU5\H%GPKV[$ MAYXX1T_LH<6[GL2BIOU--E=C>*"J+M/*K2L77KJ=,\05C8$50VORY8NS"!Q)WEU M!W]7[RWB4@8;(04^"PO8:AVO.H\4-\J\U?"%28$E](&<`K4$XZ*_`UH7`L,Q)[H=TY=A09H\(Y\9M08*JP+I#<.4 M53G/FV9&QL$6-11/CJ"&(7UJ8=TC7_7#EF+VU64,#`]4A'O`V#2[X@LF M^W.8BO@6#'_4RAY%BLF:-ICH(GD`RM=I.$-41J#U#$9C!P*V;UG.*\9)B-B#HQ3+FN?O M+J)AD_Y-YX6ZQX:FLG2_+F/3NL.-_KH3U[J")16GJ3MQ-\\%(CCE#53E<)?2 M-LV\9X8]K?!X>3"7DS;-N/"TOHFG]3-'97T4;-T9Q6RMS=F4D=O0GPT5N(1) M^]$QUP?<4BCG$30-VWL!6K$A)E0M&)_;TZ/XTE.YCE/+,7 MSEZ9"5;"0-*?SZ4^#H`CJAY?,,`7W%7Q99$#"?R[_;<)L;U7D:]7P9>Q@Z6K MPZ5:KY'/U;!7+4`8-STURH#C$WL-/GN,(?S(Q59"79/O6`(`LF8L(XKY\BRY MA+1.)^/V)?/M>ISA<`ECI1NP_MC\.PUH_!W.,;H.T[&$@)[#"6I9*Q@$^%PP M\[.D)CO+GNP5$#9M/H2+'BDCXC>;IG#Q1SX9'7%5AH;UP3#-$&IEO5#!J2XL MI29TF>A:,I\?RPLU?!Z$99;B4XO$W6,QY9').9.XMF;\Y7/%`QF;,T29CX_% MN)%D-L=E46$.0'U7[W)+&-%G3&+Q&>G8P5*:GAO'X[,F8V,<4K9X$:LW-0J_ MW3;U#HHW9IYG)8;""K2-L;LD$,*J%VL`)\XF,1H%OT>\2@PA5<@;8WP9Z/@; M]J9OP30N>]=`%V^6('9&<)B3Q:2_FQ+]&-(UT'B-AP:O%YD`ROS=A\ M=YE87*_(<23+D-'.P#4U_F1FK`<4GQT\78^D8Q=_&1>B?(!?(*A'@X(U+H7 M:Q5+PF(?(4?BIUBG.9P5G>0M<=6>-XPZ9)TKVE-2P`>`6:\4P,U9*\HEY?1MR#_Y-LX)A0,.D M3!S`K\?6F(70DIE"="A>,P>C&X"*7Q;,@WHZPYG^C@"_,@A.O<76*01F\7BU M=8;L$`*;-\(^LSGN.CIRI8OU%L\SJQ`?R60RC5.QZ17IC\3Z6^;BHJ3ZG7L+ MW?]CN>:2)*,&SY%X`0W0P]T#G\'<$737:_N%7JC!J-"WX40'!P*?X8:H MQKU>YY@IH'F=X:UC^';PJ9E>B%O%B@MFS"&JD3=LHA#;[+T7T;=E(RH]P>3V M&RP$`E*$K`!$`&````````0```*2!`````&-Z9G,M M,C`Q-3`Y,S`N>&UL550%``.:>#M6=7@+``$$)0X```0Y`0``4$L!`AX#%``` M``@`)U5E1\'2_0P_%P``I60!`!4`&````````0```*2!:`Q0` M```(`"=594<*/06_N#4``.\-!``5`!@```````$```"D@??B`0!C>F9S+3(P M,34P.3,P7V1E9BYX;6Q55`4``YIX.U9U>`L``00E#@``!#D!``!02P$"'@,4 M````"``G565'EZ\C_-BU``#.0PL`%0`8```````!````I('^&`(`8WIF&UL550%``.:>#M6=7@+``$$)0X```0Y`0``4$L!`AX# M%`````@`)U5E1Z&\T^ES5@``WF\&`!4`&````````0```*2!)<\"`&-Z9G,M M,C`Q-3`Y,S!?<')E+GAM;%54!0`#FG@[5G5X"P`!!"4.```$.0$``%!+`0(> M`Q0````(`"=594>'`?'.8@\``(>?```1`!@```````$```"D@>F9S M+3(P,34P.3,P+GAS9%54!0`#FG@[5G5X"P`!!"4.```$.0$``%!+!08````` ..!@`&`!H"``"4-0,````` ` end XML 54 R38.htm IDEA: XBRL DOCUMENT v3.3.0.814

Fair Value Measurements, Measured On A Recurring And Nonrecurring Basis (Details) - USD ($)
$ in Thousands

Sep. 30, 2015

Dec. 31, 2014

Fair value assets and liabilities measured on non-recurring basis [Abstract]

Impaired Loans $ 8,150 $ 8,822

Recurring [Member]

Securities available for sale [Abstract]

U.S. agency securities 164,102 150,885

U.S. treasuries securities 4,849

Obligations of state and political subdivisions 98,165 105,036

Corporate obligations 12,707 13,958

Mortgage-backed securities in government sponsored entities 23,899 29,728

Equity securities in financial institutions 1,757 1,690

Recurring [Member] | Level I [Member]

Securities available for sale [Abstract]

U.S. agency securities 0 0

U.S. treasuries securities 0

Obligations of state and political subdivisions 0 0

Corporate obligations 0 0

Mortgage-backed securities in government sponsored entities 0 0

Equity securities in financial institutions 1,757 1,690

Recurring [Member] | Level II [Member]

Securities available for sale [Abstract]

U.S. agency securities 164,102 150,885

U.S. treasuries securities 4,849

Obligations of state and political subdivisions 98,165 105,036

Corporate obligations 12,707 13,958

Mortgage-backed securities in government sponsored entities 23,899 29,728

Equity securities in financial institutions 0 0

Recurring [Member] | Level III [Member]

Securities available for sale [Abstract]

U.S. agency securities 0 0

U.S. treasuries securities 0

Obligations of state and political subdivisions 0 0

Corporate obligations 0 0

Mortgage-backed securities in government sponsored entities 0 0

Equity securities in financial institutions 0 0

Nonrecurring [Member]

Fair value assets and liabilities measured on non-recurring basis [Abstract]

Impaired Loans 7,954 8,724

Other real estate owned 1,429 1,792

Nonrecurring [Member] | Level I [Member]

Fair value assets and liabilities measured on non-recurring basis [Abstract]

Impaired Loans 0 0

Other real estate owned 0 0

Nonrecurring [Member] | Level II [Member]

Fair value assets and liabilities measured on non-recurring basis [Abstract]

Impaired Loans 0 0

Other real estate owned 0 0

Nonrecurring [Member] | Level III [Member]

Fair value assets and liabilities measured on non-recurring basis [Abstract]

Impaired Loans 7,954 8,724

Other real estate owned $ 1,429 $ 1,792

X

- Definition
This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents corporate obligations issued debt securities.
+ References
No definition available.
+ Details

Name: czfs_CorporateObligationsFairValueDisclosure

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents equity securities in financial institutions as of the balance sheet date when have been categorized as available-for-sale.
+ References
No definition available.
+ Details

Name: czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: czfs_FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract

Namespace Prefix: czfs_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents mortgage backed securities in government sponsored entities as of the balance sheet date when have been categorized as available-for-sale.
+ References
No definition available.
+ Details

Name: czfs_MortgageBackedSecuritiesInGovernmentSponsoredEntitiesFairValueDisclosure

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents bonds or similar securities issued by state, city, province, or local governments or their agencies in either the United States or a foreign country. Debt securities issued by state governments or provinces may include bond issuances of US state or foreign authorities. Debt securities issued by political subdivisions or US states may include debt issuances by county, borough, city, or municipal governments.
+ References
No definition available.
+ Details

Name: czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents U.S. agency issued debt securities.
+ References
No definition available.
+ Details

Name: czfs_USAgencySecuritiesFairValueDisclosure

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents U.S. treasury issued debt securities.
+ References
No definition available.
+ Details

Name: czfs_USTreasuriesSecuritiesFairValueDislosure

Namespace Prefix: czfs_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_AvailableForSaleSecuritiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Carrying amount as of the balance sheet date of all assets obtained in full or partial satisfaction of a debt arrangement through foreclosure proceedings or defeasance; includes real and personal property; equity interests in corporations, partnerships, and joint ventures; and beneficial interests in trusts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4437-111522

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5162-111524

+ Details

Name: us-gaap_ForeclosedAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 14A

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953550-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivableRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 55 R20.htm IDEA: XBRL DOCUMENT v3.3.0.814

Loans (Tables)
9 Months Ended

Sep. 30, 2015

Loans [Abstract]

Summary of loan portfolio and allowance for loan losses
The following table summarizes the primary segments of the loan portfolio and how those segments are analyzed within the allowance for loan losses as of September 30, 2015 and December 31, 2014 (in thousands):

September 30, 2015

Total Loans
Individually
evaluated for
impairment
Collectively
evaluated for
impairment
Real estate loans:

     Residential

$                 178,280
$                        330
$                 177,950
     Commercial and agricultural

                    233,931
                        5,583
                    228,348
     Construction

                      10,159
                                -
                      10,159
Consumer

                        8,473
                                -
                        8,473
Other commercial and agricultural loans
                      64,712
                        2,237
                      62,475
State and political subdivision loans

                      87,454
                                -
                      87,454
Total

                    583,009
$                     8,150
$                 574,859
Allowance for loan losses

                        7,045

Net loans

$                 575,964

December 31, 2014

Real estate loans:

     Residential

$                 185,438
$                        316
$                 185,122
     Commercial and agricultural

                    215,584
                        6,112
                    209,472
     Construction

                        6,353
                                -
                        6,353
Consumer

                        8,497
                                -
                        8,497
Other commercial and agricultural loans

                      58,516
                        2,394
                      56,122
State and political subdivision loans

                      79,717
                                -
                      79,717
Total

                    554,105
$                     8,822
$                 545,283
Allowance for loan losses

                        6,815

Net loans

$                 547,290

Impaired financing receivables with associated allowance amount
The following table includes the recorded investment and unpaid principal balances for impaired financing receivables by class, with the associated allowance amount, if applicable (in thousands):

Recorded
Recorded

Unpaid
Investment
Investment
Total

Principal
With No
With
Recorded
Related
September 30, 2015
Balance
Allowance
Allowance
Investment
Allowance
Real estate loans:

     Mortgages
$       304
$          119
$          149
$          268
$          27
     Home Equity
            62
                  -
               62
               62
             12
     Commercial
       7,965
          5,314
               99
          5,413
             34
     Agricultural
170
             170
                  -
             170
                -
     Construction
               -
                  -
                  -
                  -
                -
Consumer
               -
                  -
                  -
                  -
                -
Other commercial loans
       2,238
          1,125
             999
          2,124
           123
Other agricultural loans
113
             113
                  -
             113
                -
State and political subdivision loans
               -
                  -
                  -
                  -
                -
Total
$  10,852
$       6,841
$       1,309
$       8,150
$        196

December 31, 2014

Real estate loans:

     Mortgages
$       222
$          125
$            66
$          191
$          13
     Home Equity
          130
               60
               65
             125
             12
     Commercial
       8,433
          5,708
             404
          6,112
             72
     Agricultural
               -
                  -
                  -
                  -
                -
     Construction
               -
                  -
                  -
                  -
                -
Consumer
               -
                  -
                  -
                  -
                -
Other commercial loans
       2,480
          2,346
               48
          2,394
               1
Other agricultural loans
               -
                  -
                  -
                  -
                -
State and political subdivision loans
               -
                  -
                  -
                  -
                -
Total
$  11,265
$       8,239
$          583
$       8,822
$          98

The following tables includes the average balance of impaired financing receivables by class and the income recognized on impaired loans for the three and nine month periods ended September 30, 2015 and 2014(in thousands):

For the Nine Months ended

September 30, 2015
September 30, 2014

Interest

Interest

Average
Interest
Income
Average
Interest
Income

Recorded
Income
Recognized
Recorded
Income
Recognized

Investment
Recognized
Cash Basis
Investment
Recognized
Cash Basis
Real estate loans:

     Mortgages
$       239
$              8
$              5
$          201
$            7
$               -
     Home Equity
            97
                 3
                  -
             131
               3
                  -
     Commercial
       5,728
               46
                  -
          7,616
             66
                  -
     Agricultural
               19
                 1
                  -
                  -
                -
                  -
     Construction
               -
                  -
                  -
                  -
                -
                  -
Consumer
               -
                  -
                  -
               13
                -
                  -
Other commercial loans
       2,488
               64
                 4
          1,982
             61
                  -
Other agricultural loans
               13
                 1
                  -
                  -
                -
                  -
State and political subdivision loans
               -
                  -
                  -
                  -
                -
                  -
Total
$    8,584
$          123
$              9
$       9,943
$        137
$               -

For the Three Months Ended

September 30, 2015
September 30, 2014

Interest

Interest

Average
Interest
Income
Average
Interest
Income

Recorded
Income
Recognized
Recorded
Income
Recognized

Investment
Recognized
Cash Basis
Investment
Recognized
Cash Basis
Real estate loans:

     Mortgages
$       269
$              4
$               -
$          197
$            3
$               -
     Home Equity
            62
                 1
                  -
             130
               1
                  -
     Commercial
       5,462
               14
                  -
          6,770
             22
                  -
     Agricultural
            57
                 1
                  -
                  -
                -
                  -
     Construction
               -
                  -
                  -
                  -
                -
                  -
Consumer
               -
                  -
                  -
               10
                -
                  -
Other commercial loans
       2,107
               15
                 1
          1,943
             15
                  -
Other agricultural loans
               38
                 1
                  -
                  -
                -
                  -
State and political subdivision loans
               -
                  -
                  -
                  -
                -
                  -
Total
$    7,995
$            36
$              1
$       9,050
$          41
$               -

Summary of financing receivable credit exposures by internally assigned grades
The following tables represent credit exposures by internally assigned grades as of September 30, 2015 and December 31, 2014 (in thousands):

September 30, 2015
Pass
Special Mention
Substandard
Doubtful
Loss
Ending Balance
Real estate loans:

     Commercial
$          181,306
$           3,860
$                  12,575
$                34
$              -
$          197,775
     Agricultural
               32,326
              3,302
                          528
                      -
                 -
               36,156
     Construction
               10,123
                   36
                              -
                      -
                 -
               10,159
Other commercial loans
               46,435
                 480
                       5,140
                 140
                 -
               52,195
Other agricultural loans
               11,756
                 648
                          113
                      -
                 -
               12,517
State and political

   subdivision loans
               87,454
                      -
                              -
                      -
                 -
               87,454
Total
$          369,400
$           8,326
$                  18,356
$              174
$              -
$          396,256

December 31, 2014

Real estate loans:

     Commercial
$          169,383
$           8,948
$                  12,614
$                   -
$              -
$          190,945
     Agricultural
               19,575
              3,394
                       1,670
                      -
                 -
               24,639
     Construction
                 6,353
                      -
                              -
                      -
                 -
                 6,353
Other commercial loans
               40,683
              4,413
                       2,355
                      -
                 -
               47,451
Other agricultural loans
                 9,221
                 727
                       1,117
                      -
                 -
               11,065
State and political

   subdivision loans
               79,717
                      -
                              -
                      -
                 -
               79,717
Total
$          324,932
$         17,482
$                  17,756
$                   -
$              -
$          360,170

The following table presents the recorded investment in those loan classes based on payment activity as of September 30, 2015 and December 31, 2014 (in thousands):

September 30, 2015
Performing
Non-performing
Total
Real estate loans:

     Mortgages
$          117,363
$           1,032
$                118,395
     Home Equity
               59,714
                 171
                     59,885
Consumer
                 8,421
                   52
                       8,473
Total
$          185,498
$           1,255
$                186,753

December 31, 2014
Performing
Non-performing
Total
Real estate loans:

     Mortgages
$          121,968
$              890
$                122,858
     Home Equity
               62,296
                 284
                     62,580
Consumer
                 8,444
                   53
                       8,497
Total
$          192,708
$           1,227
$                193,935

Aging analysis of past due financing receivables
The following table includes an aging analysis of the recorded investment of past due financing receivables as of September 30, 2015 and December 31, 2014 (in thousands):

90 Days or

30-59 Days
60-89 Days
90 Days
Total Past

Total Financing
Greater and
September 30, 2015
Past Due
Past Due
Or Greater
Due
Current
Receivables
Accruing
Real estate loans:

     Mortgages
$        388
$        133
$        663
$     1,184
$   117,211
$           118,395
$            303
     Home Equity
           521
             21
           158
           700
        59,185
                59,885
               106
     Commercial
           302
           130
        4,138
        4,570
      193,205
              197,775
                 60
     Agricultural
             38
           170
                -
           208
        35,948
                36,156
                   -
     Construction
                -
                -
                -
                -
        10,159
                10,159
                   -
Consumer
             41
             29
             24
             94
          8,379
                  8,473
                   -
Other commercial loans
           528
             30
           756
        1,314
        50,881
                52,195
               199
Other agricultural loans
             30
           168
                -
           198
        12,319
                12,517
                   -
State and political subdivision loans
                -
                -
                -
                -
        87,454
                87,454
                   -

Total
$     1,848
$        681
$     5,739
$     8,268
$   574,741
$           583,009
$            668
Loans considered non-accrual
$        319
$        204
$     5,071
$     5,594
$          725
$               6,319

Loans still accruing
        1,529
           477
           668
        2,674
      574,016
              576,690

Total
$     1,848
$        681
$     5,739
$     8,268
$   574,741
$           583,009

December 31, 2014

Real estate loans:

     Mortgages
$        318
$        230
$        675
$     1,223
$   121,635
$           122,858
$            214
     Home Equity
           442
             99
           260
           801
        61,779
                62,580
               132
     Commercial
             97
           231
        1,432
        1,760
      189,185
              190,945
               310
     Agricultural
                -
                -
                -
                -
        24,639
                24,639
                   -
     Construction
                -
                -
                -
                -
          6,353
                  6,353
                   -
Consumer
           119
               4
               7
           130
          8,367
                  8,497
                   6
Other commercial loans
           503
           258
           476
        1,237
        46,214
                47,451
               174
Other agricultural loans
                -
                -
                -
                -
        11,065
                11,065
                   -
State and political subdivision loans
                -
                -
                -
                -
        79,717
                79,717
                   -

Total
$     1,479
$        822
$     2,850
$     5,151
$   548,954
$           554,105
$            836
Loans considered non-accrual
$          48
$        181
$     2,014
$     2,243
$       4,356
$               6,599

Loans still accruing
        1,431
           641
           836
        2,908
      544,598
              547,506

Total
$     1,479
$        822
$     2,850
$     5,151
$   548,954
$           554,105

Summary of financing receivables on nonaccrual status
The following table reflects the financing receivables on non-accrual status as of September 30, 2015 and December 31, 2014, respectively. The balances are presented by class of financing receivable (in thousands):

September 30, 2015

December 31, 2014
Real estate loans:

     Mortgages
$                         729

$                   676
     Home Equity
                              65

                      152
     Commercial
                         4,441

                   5,010
     Agricultural
                              -

                        -
     Construction
                              -

                        -
Consumer
                              52

                        47
Other commercial loans
                         1,032

                      714
Other agricultural loans
                              -

                        -
State and political subdivision loans
                              -

                        -

$                      6,319

$                6,599

Summary of troubled debt restructurings on financing receivables
Loan modifications that are considered TDRs completed during the nine months ended September 30, 2015 and 2014 were as follows (dollars in thousands):

For the Nine Months Ended September 30, 2015

Number of contracts
Pre-modification Outstanding
Recorded Investment
Post-Modification
Outstanding Recorded
Investment

Interest
Modification
Term Modification
Interest
Modification
Term
Modification
Interest
Modification
Term
Modification
Real estate loans:

     Mortgages
                    1
                          1
$                 71
$                  19
$               71
  $               19
Total
                    1
                          1
$                 71
$                  19
$               71
$               19

For the Nine Months Ended September 30, 2014

Number of contracts
Pre-modification Outstanding
Recorded Investment
Post-Modification Outstanding
Recorded Investment

Interest
Modification
Term Modification
Interest
Modification
Term Modification
Interest
Modification
Term
Modification
Real estate loans:

     Commercial
                     -
2
$                   -
$                153
$                  -
$             153
Total
                     -
                         2
$                   -
$                153
$                  -
$             153
The following table presents the recorded investment in loans that were modified as TDRs during each 12-month period prior to the current reporting periods, which begin January 1, 2015 and 2014 (nine month periods) and July 1, 2015 and 2014 (3 month periods), respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):

For the Three Months Ended
For the Nine Months Ended

September 30, 2015
September 30, 2014
September 30, 2015
September 30, 2014

Number of
contracts
Recorded
investment
Number of
contracts
Recorded
investment
Number of
contracts
Recorded
investment
Number of
contracts
Recorded
investment
Real estate loans:

     Commercial
                   -
$              -
                   -
$              -
                   -
$              -
             1
$              483
Total recidivism
                   -
$              -
                   -
$              -
                   -
$              -
             1
$              483

Allowance for loan losses by impairment method
The following table segregates the allowance for loan losses (ALLL) into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of September 30, 2015 and December 31, 2014, respectively (in thousands):

September 30, 2015

December 31, 2014

Individually
evaluated for
impairment
Collectively
evaluated for
impairment
Total

Individually
evaluated for
impairment
Collectively
evaluated for
impairment
Total
Real estate loans:

     Residential
$           39
$         874
$         913

$           25
$           853
$             878
     Commercial and agricultural
              34
         3,769
3,803

              72
           3,798
             3,870
     Construction
                 -
              17
17

                 -
                26
                  26
Consumer
                 -
              91
91

                 -
                84
                  84
Other commercial and agricultural loans
            123
         1,322
1,445

                1
           1,223
             1,224
State and political subdivision loans
                 -
            586
586

                 -
              545
                545
Unallocated
                 -
            190
190

                 -
              188
                188
Total
$         196
$      6,849
$      7,045

$           98
$        6,717
$          6,815

Roll forward of allowance for loan losses by portfolio segment
The following tables roll forward the balance of the ALLL by portfolio segment for the three and nine month periods ended September 30, 2015 and 2014, respectively (in thousands):

Balance at
June 30, 2015
Charge-offs
Recoveries
Provision
Balance at
September 30, 2015
Real estate loans:

     Residential
$         931
$              -
$              -
$       (18)
$         913
     Commercial and agricultural
         3,679
                 -
                4
          120
         3,803
     Construction
              14
                 -
                 -
              3
              17
Consumer
              89
             (11)
              13
               -
              91
Other commercial and agricultural loans
         1,502
             (40)
                 -
          (17)
         1,445
State and political subdivision loans
            568
                 -
                 -
            18
            586
Unallocated
            176
                 -
                 -
            14
            190
Total
$      6,959
$          (51)
$           17
$       120
$      7,045

Balance at
December 31, 2014
Charge-offs
Recoveries
Provision
Balance at
September 30, 2015
Real estate loans:

     Residential
$         878
$          (34)
$              -
$         69
$         913
     Commercial and agricultural
         3,870
             (56)
              11
          (22)
         3,803
     Construction
              26
                 -
                 -
            (9)
              17
Consumer
              84
             (35)
              25
            17
              91
Other commercial and agricultural loans
         1,224
             (41)
                 -
          262
         1,445
State and political subdivision loans
            545
                 -
                 -
            41
            586
Unallocated
            188
                 -
                 -
              2
            190
Total
$      6,815
$        (166)
$           36
$       360
$      7,045

Balance at
June 30, 2014
Charge-offs
Recoveries
Provision
Balance at
September 30, 2014
Real estate loans:

     Residential
$         879
$              -
$              -
$           7
$         886
     Commercial and agricultural
         3,809
             (11)
                4
          (99)
         3,703
     Construction
              13
                 -
                 -
            10
              23
Consumer
              86
             (26)
                6
            20
              86
Commercial and other loans
         1,151
             (58)
                 -
            70
         1,163
State and political subdivision loans
            455
                 -
                 -
            (5)
            450
Unallocated
            358
                 -
                 -
          147
            505
Total
$      6,751
$          (95)
$           10
$       150
$      6,816

Balance at December 31, 2013
Charge-offs
Recoveries
Provision
Balance at
September 30, 2014
Real estate loans:

     Residential
$         946
$          (45)
$              -
$       (15)
$         886
     Commercial and agricultural
         4,558
           (486)
                9
        (378)
         3,703
     Construction
              50
                 -
                 -
          (27)
              23
Consumer
            105
             (40)
              21
               -
              86
Commercial and other loans
            942
           (221)
                 -
          442
         1,163
State and political subdivision loans
            330
                 -
                 -
          120
            450
Unallocated
            167
                 -
                 -
          338
            505
Total
$      7,098
$        (792)
$           30
$       480
$      6,816

X

- Definition
Tabular disclosure of allowance for credit losses individually evaluated for impairment and collectively evaluated for impairment.
+ References
No definition available.
+ Details

Name: czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock

Namespace Prefix: czfs_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of loan portfolio evaluated with individually and collectively impairment and the allowance for loan losses.
+ References
No definition available.
+ Details

Name: czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock

Namespace Prefix: czfs_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name: us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 55

-Paragraph 19

-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 29

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953659-111524

+ Details

Name: us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of impaired financing receivables.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5212-111524

+ Details

Name: us-gaap_ImpairedFinancingReceivablesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5111-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953401-111524

+ Details

Name: us-gaap_PastDueFinancingReceivablesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_ReceivablesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5111-111524

+ Details

Name: us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of financing receivables and troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 34

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953682-111524

+ Details

Name: us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

Federal Home Loan Bank Stock (Details) - USD ($)	Sep. 30, 2015	Dec. 31, 2014
Federal Home Loan Bank Stock [Abstract]
Federal home loan bank stock	$ 1,708,000	$ 1,761,000
FHLB Stock, at par value (in dollars per share)	$ 100

Earnings per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Basic earnings per share computation [Abstract]
Net income applicable to common stock	$ 2,857	$ 3,368	$ 9,166	$ 9,909
Weighted average common shares outstanding (in shares)	3,011,687	3,035,214	3,019,202	3,038,973
Earnings per share - basic (in dollars per share)	$ 0.95	$ 1.11	$ 3.04	$ 3.26
Diluted earnings per share computation [Abstract]
Weighted average common shares outstanding for basic earnings per share (in shares)	3,011,687	3,035,214	3,019,202	3,038,973
Add: Dilutive effects of restricted stock (in shares)	1,464	1,486	1,468	1,427
Weighted average common shares outstanding for dilutive earnings per share (in shares)	3,013,151	3,036,700	3,020,670	3,040,400
Earnings per share - diluted (in dollars per share)	$ 0.95	$ 1.11	$ 3.03	$ 3.26
Restricted Stock [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive restricted stock excluded from net income per share calculations (in shares)	2,696	1,938	2,696	2,913
Restricted Stock [Member] \| Minimum [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive stock share price range (in dollars per share)	$ 44.50	$ 34.70	$ 44.50	$ 34.70
Restricted Stock [Member] \| Maximum [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive stock share price range (in dollars per share)	$ 53.15	$ 50.50	$ 53.15	$ 50.50

Income Tax Expense	9 Months Ended
Income Tax Expense	Sep. 30, 2015
Income Tax Expense [Abstract]
Income Tax Expense	Note 3 - Income Tax Expense Income tax expense is less than the amount calculated using the statutory tax rate, primarily as a result of tax-exempt income earned from state and municipal securities and loans and investments in affordable housing tax credits. Investments in Qualified Affordable Housing Projects As of September 30, 2015 and December 31, 2014, the Company was invested in four partnerships that provide affordable housing. The balance of the investments, which is included within other assets in the Consolidated Balance Sheet, was $1,024,000 and $1,218,000 as of September 30, 2015 and December 31, 2014, respectively. Investments purchased prior to January 1, 2015, are accounted for utilizing the effective yield method. As of September 30, 2015, the Company has $1,094,000 of tax credits remaining that will be recognized over seven years. Tax credits of $50,000 and $149,000 were recognized as a reduction of tax expense during the three and nine months ended September 30, 2015, respectively.

Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Dec. 31, 2014
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans					$ 583,009	$ 554,105
Allowance for loan losses					7,045	6,815
Net loans					575,964	547,290
Individually evaluated for impairment					8,150	8,822
Collectively evaluated for impairment					574,859	545,283
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment					196	98
Collectively evaluated for impairment					6,849	6,717
Total	$ 7,045	$ 6,751	$ 7,045	$ 7,098	7,045	6,815
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	6,959	6,751	6,815	7,098
Charge-offs	(51)	(95)	(166)	(792)
Recoveries	17	10	36	30
Provision	120	150	360	480
Balance at end of period	7,045	6,816	$ 7,045	6,816
Minimum [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Number of days past for loan to be considered impaired, Minimum			90 days
First Mortgage [Member] \| Minimum [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Period of mortgage on real estate			15 years
First Mortgage [Member] \| Maximum [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Period of mortgage on real estate			30 years
Second Mortgage [Member] \| Maximum [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Period of mortgage on real estate			15 years
Residential Real Estate Loans [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans					178,280	185,438
Individually evaluated for impairment					330	316
Collectively evaluated for impairment					177,950	185,122
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment					39	25
Collectively evaluated for impairment					874	853
Total	913	879	$ 913	946	913	878
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	931	879	878	946
Charge-offs	0	0	(34)	(45)
Recoveries	0	0	0	0
Provision	(18)	7	69	(15)
Balance at end of period	913	886	913	886
Commercial and Agricultural Real Estate Loans [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans					233,931	215,584
Individually evaluated for impairment					5,583	6,112
Collectively evaluated for impairment					228,348	209,472
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment					34	72
Collectively evaluated for impairment					3,769	3,798
Total	3,803	3,809	3,803	4,558	3,803	3,870
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	3,679	3,809	3,870	4,558
Charge-offs	0	(11)	(56)	(486)
Recoveries	4	4	11	9
Provision	120	(99)	(22)	(378)
Balance at end of period	3,803	3,703	3,803	3,703
Construction Real Estate Loans [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans					10,159	6,353
Individually evaluated for impairment					0	0
Collectively evaluated for impairment					10,159	6,353
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment					0	0
Collectively evaluated for impairment					17	26
Total	17	13	26	50	17	26
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	14	13	26	50
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	3	10	(9)	(27)
Balance at end of period	17	23	17	23
Consumer [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans					8,473	8,497
Individually evaluated for impairment					0	0
Collectively evaluated for impairment					8,473	8,497
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment					0	0
Collectively evaluated for impairment					91	84
Total	91	86	91	105	91	84
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	89	86	84	105
Charge-offs	(11)	(26)	(35)	(40)
Recoveries	13	6	25	21
Provision	0	20	17	0
Balance at end of period	91	86	91	86
Other Commercial and Agricultural Loans [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans					64,712	58,516
Individually evaluated for impairment					2,237	2,394
Collectively evaluated for impairment					62,475	56,122
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment					123	1
Collectively evaluated for impairment					1,322	1,223
Total	1,445	1,151	1,445	942	1,445	1,224
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	1,502	1,151	1,224	942
Charge-offs	(40)	(58)	(41)	(221)
Recoveries	0	0	0	0
Provision	(17)	70	262	442
Balance at end of period	1,445	1,163	1,445	1,163
State and Political Subdivision Loans [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans					87,454	79,717
Individually evaluated for impairment					0	0
Collectively evaluated for impairment					87,454	79,717
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment					0	0
Collectively evaluated for impairment					586	545
Total	586	455	545	330	586	545
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	568	455	545	330
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	18	(5)	41	120
Balance at end of period	586	450	586	450
Unallocated [Member]
Summary of allowance for loan losses into amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment [Abstract]
Individually evaluated for impairment					0	0
Collectively evaluated for impairment					190	188
Total	190	358	190	167	$ 190	$ 188
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	176	358	188	167
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	14	147	2	338
Balance at end of period	$ 190	$ 505	$ 190	$ 505

Loans, Credit Quality Indicator (Details) - USD ($)	9 Months Ended
Loans, Credit Quality Indicator (Details) - USD ($)	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable by credit exposure [Abstract]
Total	$ 186,753,000	$ 193,935,000
Minimum [Member]
Financing Receivable, Recorded Investment [Line Items]
Percentage of dollar volume of commercial loan portfolio to be reviewed	55.00%
Amount over which all new loans to be reviewed, minimum	$ 1,000,000
Amount over which all relationships to be reviewed, minimum	1,000,000
Amount which is 30 days past due to be reviewed for all aggregate loan relationships	750,000
Real Estate Loans [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	197,775,000	190,945,000
Real Estate Loans [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	36,156,000	24,639,000
Real Estate Loans [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	10,159,000	6,353,000
Real Estate Loans [Member] \| Mortgages [Member]
Financing Receivable by credit exposure [Abstract]
Total	118,395,000	122,858,000
Real Estate Loans [Member] \| Home Equity [Member]
Financing Receivable by credit exposure [Abstract]
Total	59,885,000	62,580,000
Consumer [Member]
Financing Receivable by credit exposure [Abstract]
Total	8,473,000	8,497,000
Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	52,195,000	47,451,000
Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	12,517,000	11,065,000
State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	87,454,000	79,717,000
Pass [Member]
Financing Receivable by credit exposure [Abstract]
Total	369,400,000	324,932,000
Pass [Member] \| Real Estate Loans [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	181,306,000	169,383,000
Pass [Member] \| Real Estate Loans [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	32,326,000	19,575,000
Pass [Member] \| Real Estate Loans [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	10,123,000	6,353,000
Pass [Member] \| Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	46,435,000	40,683,000
Pass [Member] \| Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	11,756,000	9,221,000
Pass [Member] \| State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	87,454,000	79,717,000
Special Mention [Member]
Financing Receivable by credit exposure [Abstract]
Total	8,326,000	17,482,000
Special Mention [Member] \| Real Estate Loans [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	3,860,000	8,948,000
Special Mention [Member] \| Real Estate Loans [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	3,302,000	3,394,000
Special Mention [Member] \| Real Estate Loans [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	36,000	0
Special Mention [Member] \| Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	480,000	4,413,000
Special Mention [Member] \| Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	648,000	727,000
Special Mention [Member] \| State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Substandard [Member]
Financing Receivable by credit exposure [Abstract]
Total	18,356,000	17,756,000
Substandard [Member] \| Real Estate Loans [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	12,575,000	12,614,000
Substandard [Member] \| Real Estate Loans [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	528,000	1,670,000
Substandard [Member] \| Real Estate Loans [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Substandard [Member] \| Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	5,140,000	2,355,000
Substandard [Member] \| Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	113,000	1,117,000
Substandard [Member] \| State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Doubtful [Member]
Financing Receivable by credit exposure [Abstract]
Total	174,000	0
Doubtful [Member] \| Real Estate Loans [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	34,000	0
Doubtful [Member] \| Real Estate Loans [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Doubtful [Member] \| Real Estate Loans [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Doubtful [Member] \| Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	140,000	0
Doubtful [Member] \| Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Doubtful [Member] \| State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Loss [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Loss [Member] \| Real Estate Loans [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Loss [Member] \| Real Estate Loans [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Loss [Member] \| Real Estate Loans [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Loss [Member] \| Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Loss [Member] \| Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Loss [Member] \| State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Internally Assigned Grade [Member]
Financing Receivable by credit exposure [Abstract]
Total	396,256,000	360,170,000
Performing [Member]
Financing Receivable by credit exposure [Abstract]
Total	185,498,000	192,708,000
Performing [Member] \| Real Estate Loans [Member] \| Mortgages [Member]
Financing Receivable by credit exposure [Abstract]
Total	117,363,000	121,968,000
Performing [Member] \| Real Estate Loans [Member] \| Home Equity [Member]
Financing Receivable by credit exposure [Abstract]
Total	59,714,000	62,296,000
Performing [Member] \| Consumer [Member]
Financing Receivable by credit exposure [Abstract]
Total	8,421,000	8,444,000
Nonperforming [Member]
Financing Receivable by credit exposure [Abstract]
Total	1,255,000	1,227,000
Nonperforming [Member] \| Real Estate Loans [Member] \| Mortgages [Member]
Financing Receivable by credit exposure [Abstract]
Total	1,032,000	890,000
Nonperforming [Member] \| Real Estate Loans [Member] \| Home Equity [Member]
Financing Receivable by credit exposure [Abstract]
Total	171,000	284,000
Nonperforming [Member] \| Consumer [Member]
Financing Receivable by credit exposure [Abstract]
Total	$ 52,000	$ 53,000

Loans, Past Due (Details) - USD ($) $ in Thousands	9 Months Ended
Loans, Past Due (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Recorded investment of past due [Abstract]
Total Past Due	$ 8,268	$ 5,151
Current	574,741	548,954
Total Loans	583,009	554,105
90 Days or Greater and Accruing	668	836
Financing receivables on nonaccrual status [Abstract]
Total Past Due And Non-accrual	5,594	2,243
Current And Non-accrual	725	4,356
Financing receivable nonaccrual status	6,319	6,599
Financing receivables on accrual status [Abstract]
Total Past Due And Still Accruing	2,674	2,908
Current And Still Accruing	574,016	544,598
Total Financing Receivables And Still Accruing	$ 576,690	547,506
Minimum [Member]
Financing receivables on nonaccrual status [Abstract]
Period of past due after which loans considered as non accrual	90 days
30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	$ 1,848	1,479
Financing receivables on nonaccrual status [Abstract]
Total Past Due And Non-accrual	319	48
Financing receivables on accrual status [Abstract]
Total Past Due And Still Accruing	1,529	1,431
60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	681	822
Financing receivables on nonaccrual status [Abstract]
Total Past Due And Non-accrual	204	181
Financing receivables on accrual status [Abstract]
Total Past Due And Still Accruing	477	641
90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	5,739	2,850
Financing receivables on nonaccrual status [Abstract]
Total Past Due And Non-accrual	5,071	2,014
Financing receivables on accrual status [Abstract]
Total Past Due And Still Accruing	668	836
Real Estate Loans [Member] \| Mortgages [Member]
Recorded investment of past due [Abstract]
Total Past Due	1,184	1,223
Current	117,211	121,635
Total Loans	118,395	122,858
90 Days or Greater and Accruing	303	214
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	729	676
Real Estate Loans [Member] \| Mortgages [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	388	318
Real Estate Loans [Member] \| Mortgages [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	133	230
Real Estate Loans [Member] \| Mortgages [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	663	675
Real Estate Loans [Member] \| Home Equity [Member]
Recorded investment of past due [Abstract]
Total Past Due	700	801
Current	59,185	61,779
Total Loans	59,885	62,580
90 Days or Greater and Accruing	106	132
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	65	152
Real Estate Loans [Member] \| Home Equity [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	521	442
Real Estate Loans [Member] \| Home Equity [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	21	99
Real Estate Loans [Member] \| Home Equity [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	158	260
Real Estate Loans [Member] \| Commercial [Member]
Recorded investment of past due [Abstract]
Total Past Due	4,570	1,760
Current	193,205	189,185
Total Loans	197,775	190,945
90 Days or Greater and Accruing	60	310
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	4,441	5,010
Real Estate Loans [Member] \| Commercial [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	302	97
Real Estate Loans [Member] \| Commercial [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	130	231
Real Estate Loans [Member] \| Commercial [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	4,138	1,432
Real Estate Loans [Member] \| Agricultural [Member]
Recorded investment of past due [Abstract]
Total Past Due	208	0
Current	35,948	24,639
Total Loans	36,156	24,639
90 Days or Greater and Accruing	0	0
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	0	0
Real Estate Loans [Member] \| Agricultural [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	38	0
Real Estate Loans [Member] \| Agricultural [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	170	0
Real Estate Loans [Member] \| Agricultural [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
Real Estate Loans [Member] \| Construction [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
Current	10,159	6,353
Total Loans	10,159	6,353
90 Days or Greater and Accruing	0	0
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	0	0
Real Estate Loans [Member] \| Construction [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
Real Estate Loans [Member] \| Construction [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
Real Estate Loans [Member] \| Construction [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
Consumer [Member]
Recorded investment of past due [Abstract]
Total Past Due	94	130
Current	8,379	8,367
Total Loans	8,473	8,497
90 Days or Greater and Accruing	0	6
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	52	47
Consumer [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	41	119
Consumer [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	29	4
Consumer [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	24	7
Other Commercial Loans [Member]
Recorded investment of past due [Abstract]
Total Past Due	1,314	1,237
Current	50,881	46,214
Total Loans	52,195	47,451
90 Days or Greater and Accruing	199	174
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	1,032	714
Other Commercial Loans [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	528	503
Other Commercial Loans [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	30	258
Other Commercial Loans [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	756	476
Other Agricultural Loans [Member]
Recorded investment of past due [Abstract]
Total Past Due	198	0
Current	12,319	11,065
Total Loans	12,517	11,065
90 Days or Greater and Accruing	0	0
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	0	0
Other Agricultural Loans [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	30	0
Other Agricultural Loans [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	168	0
Other Agricultural Loans [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
State and Political Subdivision Loans [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
Current	87,454	79,717
Total Loans	87,454	79,717
90 Days or Greater and Accruing	0	0
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	0	0
State and Political Subdivision Loans [Member] \| 30 to 59 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
State and Political Subdivision Loans [Member] \| 60 to 89 Days Past Due [Member]
Recorded investment of past due [Abstract]
Total Past Due	0	0
State and Political Subdivision Loans [Member] \| 90 Days Or Greater [Member]
Recorded investment of past due [Abstract]
Total Past Due	$ 0	$ 0

Loans, Trouble Debt Restructuring (Details)	3 Months Ended		9 Months Ended
Loans, Trouble Debt Restructuring (Details)	Sep. 30, 2015 USD ($) Contract	Sep. 30, 2014 USD ($) Contract	Sep. 30, 2015 USD ($) Contract	Sep. 30, 2014 USD ($) Contract	Dec. 31, 2014 USD ($)
Loans [Abstract]
Reserves of allowance for loan losses	$ 39,000		$ 39,000		$ 26,000
Recidivism receivables [Abstract]
Total recidivism, Number of contracts \| Contract	0	0	0	1
Total recidivism, Recorded investment	$ 0	$ 0	$ 0	$ 483,000
Foreclosed assets held for sale [Abstract]
Foreclosed assets held for sale	$ 1,429,000		$ 1,429,000		$ 1,792,000
Interest Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts \| Contract			1	0
Pre-modification Outstanding Recorded Investment			$ 71,000	$ 0
Post-Modification Outstanding Recorded Investment			$ 71,000	$ 0
Term Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts \| Contract			1	2
Pre-modification Outstanding Recorded Investment			$ 19,000	$ 153,000
Post-Modification Outstanding Recorded Investment			$ 19,000	$ 153,000
Real Estate Loans [Member] \| Mortgages [Member] \| Interest Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts \| Contract			1
Pre-modification Outstanding Recorded Investment			$ 71,000
Post-Modification Outstanding Recorded Investment			$ 71,000
Real Estate Loans [Member] \| Mortgages [Member] \| Term Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts \| Contract			1
Pre-modification Outstanding Recorded Investment			$ 19,000
Post-Modification Outstanding Recorded Investment			$ 19,000
Real Estate Loans [Member] \| Commercial [Member]
Recidivism receivables [Abstract]
Total recidivism, Number of contracts \| Contract	0	0	0	1
Total recidivism, Recorded investment	$ 0	$ 0	$ 0	$ 483,000
Real Estate Loans [Member] \| Commercial [Member] \| Interest Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts \| Contract				0
Pre-modification Outstanding Recorded Investment				$ 0
Post-Modification Outstanding Recorded Investment				$ 0
Real Estate Loans [Member] \| Commercial [Member] \| Term Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts \| Contract				2
Pre-modification Outstanding Recorded Investment				$ 153,000
Post-Modification Outstanding Recorded Investment				$ 153,000
Consumer Residential Mortgages [Member]
Foreclosed assets held for sale [Abstract]
Foreclosed assets held for sale	305,000		305,000
Formal foreclosure proceedings on potential foreclosure assets	$ 1,256,000		$ 1,256,000

Fair Value Measurements, By Balance Sheet Grouping (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Financial assets [Abstract]
Available-for-sale securities	$ 300,630	$ 306,146
Financial liabilities [Abstract]
Consideration period for recognition of cash and due from banks	90 days
Consideration period for recognition of accrued interest receivable and payable	90 days
Level I [Member]
Financial assets [Abstract]
Cash and due from banks	$ 10,314	11,423
Interest bearing time deposits with other banks	0	0
Available-for-sale securities	1,757	1,690
Loans held for sale	1,248	497
Net loans	0	0
Bank owned life insurance	20,773	20,309
Regulatory stock	1,983	2,035
Accrued interest receivable	3,566	3,644
Financial liabilities [Abstract]
Deposits	550,646	525,166
Borrowed funds	12,882	16,593
Accrued interest payable	693	756
Level II [Member]
Financial assets [Abstract]
Cash and due from banks	0	0
Interest bearing time deposits with other banks	0	0
Available-for-sale securities	298,873	304,456
Net loans	0	0
Bank owned life insurance	0	0
Regulatory stock	0	0
Accrued interest receivable	0	0
Financial liabilities [Abstract]
Deposits	0	0
Borrowed funds	0	0
Accrued interest payable	0	0
Level III [Member]
Financial assets [Abstract]
Cash and due from banks	0	0
Interest bearing time deposits with other banks	6,465	5,969
Available-for-sale securities		0
Net loans	605,361	564,944
Bank owned life insurance	0	0
Regulatory stock	0	0
Accrued interest receivable	0	0
Financial liabilities [Abstract]
Deposits	248,380	249,221
Borrowed funds	29,096	21,626
Accrued interest payable	0	0
Carrying Amount [Member]
Financial assets [Abstract]
Cash and due from banks	10,314	11,423
Interest bearing time deposits with other banks	6,460	5,960
Available-for-sale securities	300,630	306,146
Loans held for sale	1,248	497
Net loans	575,964	547,290
Bank owned life insurance	20,773	20,309
Regulatory stock	1,983	2,035
Accrued interest receivable	3,566	3,644
Financial liabilities [Abstract]
Deposits	797,848	773,933
Borrowed funds	44,657	41,799
Accrued interest payable	693	756
Fair Value [Member]
Financial assets [Abstract]
Cash and due from banks	10,314	11,423
Interest bearing time deposits with other banks	6,465	5,969
Available-for-sale securities	300,630	306,146
Loans held for sale	1,248	497
Net loans	605,361	564,944
Bank owned life insurance	20,773	20,309
Regulatory stock	1,983	2,035
Accrued interest receivable	3,566	3,644
Financial liabilities [Abstract]
Deposits	799,026	774,387
Borrowed funds	41,978	38,219
Accrued interest payable	$ 693	$ 756

CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Cash and due from banks:
Noninterest-bearing	$ 9,437	$ 10,091
Interest-bearing	877	1,332
Total cash and cash equivalents	10,314	11,423
Interest bearing time deposits with other banks	6,460	5,960
Available-for-sale securities	300,630	306,146
Loans held for sale	1,248	497
Loans (net of allowance for loan losses: 2015, $7,045 and 2014, $6,815)	575,964	547,290
Premises and equipment	12,544	12,357
Accrued interest receivable	3,566	3,644
Goodwill	10,256	10,256
Bank owned life insurance	20,773	20,309
Other assets	12,222	7,166
TOTAL ASSETS	953,977	925,048
Deposits:
Noninterest-bearing	106,957	95,526
Interest-bearing	690,891	678,407
Total deposits	797,848	773,933
Borrowed funds	44,657	41,799
Accrued interest payable	693	756
Other liabilities	6,875	8,032
TOTAL LIABILITIES	850,073	824,520
STOCKHOLDERS' EQUITY:
Preferred Stock $1.00 par value; authorized 3,000,000 shares September 30, 2015 and December 31, 2014; none issued in 2015 or 2014	0	0
Common stock $1.00 par value; authorized 15,000,000 shares; issued 3,335,236 at September 30, 2015 and December 31, 2014;	3,335	3,335
Additional paid-in capital	25,131	25,150
Retained earnings	84,698	79,512
Accumulated other comprehensive income	842	767
Treasury stock, at cost: 334,165 shares at September 30, 2015 and 296,280 shares at December 31, 2014	(10,102)	(8,236)
TOTAL STOCKHOLDERS' EQUITY	103,904	100,528
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 953,977	$ 925,048

CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 9,166	$ 9,909
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	360	480
Depreciation and amortization	370	358
Amortization and accretion of investment securities	1,521	1,632
Deferred income taxes	(39)	562
Investment securities gains, net	(430)	(488)
Earnings on bank owned life insurance	(464)	(366)
Originations of loans held for sale	(13,510)	(8,055)
Proceeds from sales of loans held for sale	12,942	7,690
Realized gains on loans sold	(183)	(110)
Decrease in accrued interest receivable	78	39
Decrease in accrued interest payable	(63)	(142)
Other, net	(842)	(222)
Net cash provided by operating activities	8,906	11,287
Available-for-sale securities:
Proceeds from sales	18,393	17,338
Proceeds from maturity and principal repayments	39,472	39,416
Purchase of securities	(58,667)	(44,769)
Purchase of interest bearing time deposits with other banks	(500)	(3,232)
Proceeds from redemption of regulatory stock	2,150	2,891
Purchase of regulatory stock	(2,097)	(1,895)
Net increase in loans	(29,148)	(4,680)
Purchase of premises and equipment	(633)	(555)
Proceeds from sale of foreclosed assets held for sale	340	647
Net cash (used) provide by investing activities	(30,690)	5,161
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	23,915	19,726
Proceeds from long-term borrowings	5,288	6,815
Repayments of long-term borrowings	(700)	(4,200)
Net increase in short-term borrowed funds	(1,730)	(31,818)
Purchase of treasury and restricted stock	(2,315)	(733)
Dividends paid	(3,783)	(4,998)
Net cash (used) provided by financing activities	20,675	(15,208)
Net (decrease) increase in cash and cash equivalents	(1,109)	1,240
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	11,423	10,083
CASH AND CASH EQUIVALENTS AT END OF PERIOD	10,314	11,323
Supplemental Disclosures of Cash Flow Information:
Interest paid	3,672	3,884
Income taxes paid	2,425	2,085
Loans transferred to foreclosed property	241	867
Premises and equipment transferred from other assets	0	549
Investments sold and not settled	$ 5,187	$ 0

Employee Benefit Plans (Details) - USD ($)	3 Months Ended		9 Months Ended
Employee Benefit Plans (Details) - USD ($)	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Components of net periodic benefit cost [Abstract]
Employer contribution to 401 (k) defined contribution plan	$ 60,000	$ 55,000	$ 215,000	$ 201,000
Directors [Member]
Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items]
Deferred interest expense	5,000	4,000	17,000	15,000
Pension Plan [Member]
Components of net periodic benefit cost [Abstract]
Service cost	110,000	77,000	242,000	230,000
Interest cost	128,000	104,000	281,000	311,000
Expected return on plan assets	(243,000)	(197,000)	(533,000)	(590,000)
Net amortization and deferral	65,000	13,000	141,000	38,000
Net periodic benefit cost	60,000	(3,000)	131,000	(11,000)
Employer contribution to pension plan			400,000
Supplemental Executive Retirement Plans [Member]
Components of net periodic benefit cost [Abstract]
Obligation included in other liabilities	1,304,000		1,304,000		$ 1,198,000
Cost recognized	35,000	$ 38,000	106,000	$ 114,000
Deferred Compensation Plan [Member]
Components of net periodic benefit cost [Abstract]
Obligation included in other liabilities	$ 952,000		$ 952,000		$ 969,000
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)	100,000		100,000
Number of shares available for grant (in shares)	60,662		60,662
Restricted stock activity [Roll Forward]
Outstanding, beginning of period (in shares)	7,018	7,187	6,971	7,172
Granted (in shares)	0	0	3,496	3,598
Forfeited (in shares)	(139)	(7)	(139)	(7)
Vested (in shares)	0	0	(3,449)	(3,583)
Outstanding, end of period (in shares)	6,879	7,180	6,879	7,180
Weighted average market price [Roll Forward]
Outstanding, beginning of period (in dollars per share)	$ 50.63	$ 48.28	$ 48.55	$ 42.02
Granted (in dollars per share)	0	0	50.02	52.82
Forfeited (in dollars per share)	51.49	37.10	51.49	37.10
Vested (in dollars per share)	0	0	45.80	40.30
Outstanding, end of period (in dollars per share)	$ 50.61	$ 48.29	$ 50.61	$ 48.29
Share-based compensation expense	$ 44,000	$ 42,000	$ 129,000	$ 115,000
Compensation cost related to nonvested awards that has not yet been recognized	$ 349,000		$ 349,000
Compensation cost related to nonvested awards, period to be recognized			2 years 6 months 29 days

Basis of Presentation	9 Months Ended
Basis of Presentation	Sep. 30, 2015
Basis of Presentation [Abstract]
Basis of Presentation	Note 1 - Basis of Presentation Citizens Financial Services, Inc. (individually and collectively with its direct and indirect subsidiaries, the “Company”) is a Pennsylvania corporation organized as the holding company of its wholly owned subsidiary, First Citizens Community Bank (the “Bank”), and the Bank’s wholly owned subsidiary, First Citizens Insurance Agency, Inc. (“First Citizens Insurance”). The accompanying consolidated financial statements have been prepared pursuant to rules and regulations of the Securities and Exchange Commission (“SEC”) and in conformity with U.S. generally accepted accounting principles. Because this report is based on an interim period, certain information and footnote disclosures normally included in financial statements prepared in accordance with U.S. generally accepted accounting principles have been condensed or omitted. Certain of the prior year amounts have been reclassified to conform with the current year presentation. Such reclassifications had no effect on net income or stockholders’ equity. All material inter-company balances and transactions have been eliminated in consolidation. In the opinion of management of the Company, the accompanying interim financial statements at September 30, 2015 and for the periods ended September 30, 2015 and 2014 include all adjustments, consisting of only normal recurring adjustments, necessary for a fair presentation of the financial condition and the results of operations for the period. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. The financial performance reported for the Company for the nine month period ended September 30, 2015 is not necessarily indicative of the results to be expected for the full year. This information should be read in conjunction with the Company’s Annual Report on Form 10-K for the year ended December 31, 2014.

CONSOLIDATED BALANCE SHEET (UNAUDITED) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
ASSETS:
Loans, allowance for loan losses	$ 7,045	$ 6,815
STOCKHOLDERS' EQUITY:
Preferred Stock, par value (in dollars per share)	$ 1.00	$ 1.00
Preferred Stock, authorized (in shares)	3,000,000	3,000,000
Preferred Stock, issued (in shares)	0	0
Common Stock, par value (in dollars per share)	$ 1.00	$ 1.00
Common Stock, authorized (in shares)	15,000,000	15,000,000
Common Stock, issued (in shares)	3,335,236	3,335,236
Treasury stock, shares (in shares)	334,165	296,280

Recent Accounting Pronouncements	9 Months Ended
Recent Accounting Pronouncements	Sep. 30, 2015
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	Note 11 – Recent Accounting Pronouncements In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (a new revenue recognition standard). The Update’s core principle is that a company will recognize revenue to depict the transfer of 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. In addition, this update specifies the accounting for certain costs to obtain or fulfill a contract with a customer and expands disclosure requirements for revenue recognition. This Update is effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. The Company is evaluating the effect of adopting this new accounting Update. In August 2014, the FASB issued ASU 2014-15, Presentation of Financial Statements -Going Concern (Subtopic 205-40). The amendments in this Update provide guidance in accounting principles generally accepted in the United States of America about management's responsibility to evaluate whether there is substantial doubt about an entity's ability to continue as a going concern and to provide related footnote disclosures. The amendments in this Update are effective for the annual period ending after December 15, 2016, and for annual periods and interim periods thereafter. Early application is permitted. This Update is not expected to have a significant impact on the Company’s financial statements. In February 2015, the FASB issued ASU 2015-02, Consolidation (Topic 810). The amendments in this Update affect reporting entities that are required to evaluate whether they should consolidate certain legal entities. All legal entities are subject to reevaluation under the revised consolidation model. Specifically, the amendments (1) modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (VIEs) or voting interest entities; (2) eliminate the presumption that a general partner should consolidate a limited partnership; (3) affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships; (4) provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds. The amendments in this Update are effective for public business entities for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015. For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2016, and for interim periods within fiscal years beginning after December 15, 2017. This Update is not expected to have a significant impact on the Company’s financial statements. In April 2015, the FASB issued ASU 2015-03, Interest-Imputation of Interest (Subtopic 835-30), as part of its initiative to reduce complexity in accounting standards. To simplify presentation of debt issuance costs, the amendments in this Update require 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 this Update. For public business entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within fiscal years beginning after December 15, 2016. An entity should apply the new guidance on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. This Update is not expected to have a significant impact on the Company’s financial statements. In May 2015, the FASB issued ASU 2015-08, Business Combinations - Pushdown Accounting - Amendment to SEC Paragraphs Pursuant to Staff Accounting Bulletin No. 115. This ASU was issued to amend various SEC paragraphs pursuant to the issuance of Staff Accounting Bulletin No. 115. This Update is not expected to have a significant impact on the Company’s financial statements. In June 2015, the FASB issued ASU 2015-10, Technical Corrections and Improvements. The amendments in this Update represent changes to clarify the Codification, correct unintended application of guidance, or make minor improvements to the Codification that are not expected to have a significant effect on current accounting practice or create a significant administrative cost to most entities. Transition guidance varies based on the amendments in this Update. The amendments in this Update that require transition guidance are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted, including adoption in an interim period. All other amendments will be effective upon the issuance of this Update. This Update is not expected to have a significant impact on the Company’s financial statements. In August 2015, the FASB issued ASU 2015-14, Revenue from Contract with Customers (Topic 606). The amendments in this Update defer the effective date of ASU 2014-09 for all entities by one year. Public business entities, certain not-for-profit entities, and certain employee benefit plans should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2017, including interim reporting periods within that reporting period. All other entities should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2018, and interim reporting periods within annual reporting periods beginning after December 15, 2019. The Company is evaluating the effect of adopting this new accounting Update. In August 2015, the FASB issued ASU 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. This ASU adds SEC paragraphs pursuant to the SEC Staff Announcement at the June 18, 2015 Emerging Issues Task Force meeting about the presentation and subsequent measurement of debt issuance costs associated with line-of-credit arrangements. This Update is not expected to have a significant impact on the Company’s financial statements. In September 2015, the FASB issued ASU 2015-16, Business Combinations (Topic 805). The amendments in this Update require that an acquirer recognize adjustments to provisional amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The amendments in this Update require that the acquirer record, in the same period's financial statements, the effect on earnings of changes in depreciation, amortization, or other income effects, if any, as a result of the change to the provisional amounts, calculated as if the accounting had been completed at the acquisition date. The amendments in this Update require an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current-period earnings by line item that would have been recorded in previous reporting periods if the adjustment to the provisional amounts had been recognized as of the acquisition date. For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2016, and interim periods within fiscal years beginning after December 15, 2017. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations.

Document and Entity Information - shares	9 Months Ended
Document and Entity Information - shares	Sep. 30, 2015	Oct. 26, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	CITIZENS FINANCIAL SERVICES INC
Entity Central Index Key	0000739421
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		3,001,071
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q3
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2015

Federal Home Loan Bank Stock	9 Months Ended
Federal Home Loan Bank Stock	Sep. 30, 2015
Federal Home Loan Bank Stock [Abstract]
Federal Home Loan Bank Stock	Note 6 – Federal Home Loan Bank Stock The Bank is a member of the FHLB of Pittsburgh and, as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. As of September 30, 2015 and December 31, 2014, the Bank’s investment in FHLB stock was $1,708,000 and $1,761,000, respectively. The stock does not have a readily determinable fair value and, as such, is classified as restricted stock, carried at cost and evaluated by management. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) a significant decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) the impact of legislative and regulatory changes on the customer base of the FHLB and (d) the liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein. Management considered that the FHLB’s regulatory capital ratios have improved, liquidity appears adequate, new shares of FHLB stock continue to exchange hands at the $100 par value and the FHLB has repurchased shares of excess capital stock from its members and has paid a quarterly cash dividend.

Repurchase Agreements (Details) - USD ($)	Sep. 30, 2015	Dec. 31, 2014
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Total carrying value of collateral pledged	$ 8,182,000	$ 14,323,000
Total liability recognized for repurchase agreements	5,728,000	5,906,000
U.S. Agency Securities [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Total carrying value of collateral pledged	0	0
Overnight and Continuous [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Total carrying value of collateral pledged	6,112,000	10,368,000
Overnight and Continuous [Member] \| U.S. Agency Securities [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Total carrying value of collateral pledged	6,112,000	10,368,000
Up to 30 Days [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Total carrying value of collateral pledged	0	1,015,000
Up to 30 Days [Member] \| U.S. Agency Securities [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Total carrying value of collateral pledged	0	1,015,000
30 - 90 Days [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Total carrying value of collateral pledged	0	0
30 - 90 Days [Member] \| U.S. Agency Securities [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Total carrying value of collateral pledged	0	0
Greater than 90 Days [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Total carrying value of collateral pledged	2,070,000	2,940,000
Greater than 90 Days [Member] \| U.S. Agency Securities [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Total carrying value of collateral pledged	$ 2,070,000	$ 2,940,000

Income Tax Expense (Details)	3 Months Ended	9 Months Ended	12 Months Ended
Income Tax Expense (Details)	Sep. 30, 2015 USD ($) Partnership	Sep. 30, 2015 USD ($)	Dec. 31, 2014 USD ($) Partnership
Income Tax Expense [Abstract]
Investments in number of partnerships \| Partnership	4		4
Investment amount in partnerships	$ 1,024,000	$ 1,024,000	$ 1,218,000
Tax Credit Carryforward [Line Items]
Investment tax credits	$ 1,094,000	1,094,000
Investment Tax Credit Carryforward [Member]
Tax Credit Carryforward [Line Items]
Tax credits recognition period	7 years
Tax credits recognized as reduction of tax expense amount	$ 50,000	$ 149,000

Investments (Details) $ in Thousands	3 Months Ended		9 Months Ended
Investments (Details) $ in Thousands	Sep. 30, 2015 USD ($) Security	Sep. 30, 2014 USD ($)	Sep. 30, 2015 USD ($) Security	Sep. 30, 2014 USD ($)	Dec. 31, 2014 USD ($)
Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]
Amortized Cost	$ 295,983		$ 295,983		$ 301,459
Gross Unrealized Gains	4,915		4,915		5,603
Gross Unrealized Losses	(268)		(268)		(916)
Fair Value	$ 300,630		$ 300,630		306,146
Number of securities owned with fair value than cost \| Security	46		46
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	$ 37,506		$ 37,506		36,508
Twelve Months or Greater, Fair Value	18,150		18,150		67,011
Total, Fair Value	55,656		55,656		103,519
Less than Twelve Months, Gross Unrealized Losses	(184)		(184)		(134)
Twelve Months or Greater, Gross Unrealized Losses	(84)		(84)		(782)
Total, Gross Unrealized Losses	$ (268)		(268)		(916)
Duration securities impaired, Minimum	1 year
Proceeds from sale of securities available-for-sale	$ 5,187	$ 5,187	18,393	$ 17,338
Realized investment gains (losses) [Abstract]
Gross gains	129	242	441	488
Gross losses	0	0	(11)	0
Net gains	129	$ 242	430	$ 488
Investment securities pledged as collateral	182,700		182,700		186,400
Amortized Cost [Abstract]
Due in one year or less	6,593		6,593
Due after one year through five years	161,984		161,984
Due after five years through ten years	44,998		44,998
Due after ten years	81,089		81,089
Total	294,664		294,664
Fair Value [Abstract]
Due in one year or less	6,606		6,606
Due after one year through five years	163,761		163,761
Due after five years through ten years	46,018		46,018
Due after ten years	82,488		82,488
Total	298,873		298,873
U.S. Agency Securities [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]
Amortized Cost	163,012		163,012		150,847
Gross Unrealized Gains	1,113		1,113		638
Gross Unrealized Losses	(23)		(23)		(600)
Fair Value	164,102		164,102		150,885
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	10,067		10,067		27,382
Twelve Months or Greater, Fair Value	10,986		10,986		43,642
Total, Fair Value	21,053		21,053		71,024
Less than Twelve Months, Gross Unrealized Losses	(16)		(16)		(110)
Twelve Months or Greater, Gross Unrealized Losses	(7)		(7)		(490)
Total, Gross Unrealized Losses	(23)		(23)		(600)
US Treasury Securities [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]
Amortized Cost					4,944
Gross Unrealized Gains					0
Gross Unrealized Losses					(95)
Fair Value					4,849
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value					0
Twelve Months or Greater, Fair Value					4,849
Total, Fair Value					4,849
Less than Twelve Months, Gross Unrealized Losses					0
Twelve Months or Greater, Gross Unrealized Losses					(95)
Total, Gross Unrealized Losses					(95)
Obligations of State and Political Subdivisions [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]
Amortized Cost	95,374		95,374		101,281
Gross Unrealized Gains	2,946		2,946		3,854
Gross Unrealized Losses	(155)		(155)		(99)
Fair Value	98,165		98,165		105,036
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	17,133		17,133		3,596
Twelve Months or Greater, Fair Value	4,747		4,747		8,584
Total, Fair Value	21,880		21,880		12,180
Less than Twelve Months, Gross Unrealized Losses	(104)		(104)		(19)
Twelve Months or Greater, Gross Unrealized Losses	(51)		(51)		(80)
Total, Gross Unrealized Losses	(155)		(155)		(99)
Corporate Obligations [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]
Amortized Cost	12,643		12,643		13,853
Gross Unrealized Gains	103		103		190
Gross Unrealized Losses	(39)		(39)		(85)
Fair Value	12,707		12,707		13,958
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	5,399		5,399		505
Twelve Months or Greater, Fair Value	2,167		2,167		7,707
Total, Fair Value	7,566		7,566		8,212
Less than Twelve Months, Gross Unrealized Losses	(23)		(23)		(1)
Twelve Months or Greater, Gross Unrealized Losses	(16)		(16)		(84)
Total, Gross Unrealized Losses	(39)		(39)		(85)
Mortgage-backed Securities in Government Sponsored Entities [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]
Amortized Cost	23,635		23,635		29,397
Gross Unrealized Gains	305		305		368
Gross Unrealized Losses	(41)		(41)		(37)
Fair Value	23,899		23,899		29,728
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	4,317		4,317		5,025
Twelve Months or Greater, Fair Value	250		250		2,229
Total, Fair Value	4,567		4,567		7,254
Less than Twelve Months, Gross Unrealized Losses	(31)		(31)		(4)
Twelve Months or Greater, Gross Unrealized Losses	(10)		(10)		(33)
Total, Gross Unrealized Losses	(41)		(41)		(37)
Equity Securities in Financial Institutions [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains and Losses, and Fair Value [Abstract]
Amortized Cost	1,319		1,319		1,137
Gross Unrealized Gains	448		448		553
Gross Unrealized Losses	(10)		(10)		0
Fair Value	1,757		1,757		$ 1,690
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	590		590
Twelve Months or Greater, Fair Value	0		0
Total, Fair Value	590		590
Less than Twelve Months, Gross Unrealized Losses	(10)		(10)
Twelve Months or Greater, Gross Unrealized Losses	0		0
Total, Gross Unrealized Losses	$ (10)		$ (10)

Fair Value Measurements, Measured On A Recurring And Nonrecurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Fair value assets and liabilities measured on non-recurring basis [Abstract]
Impaired Loans	$ 8,150	$ 8,822
Recurring [Member]
Securities available for sale [Abstract]
U.S. agency securities	164,102	150,885
U.S. treasuries securities		4,849
Obligations of state and political subdivisions	98,165	105,036
Corporate obligations	12,707	13,958
Mortgage-backed securities in government sponsored entities	23,899	29,728
Equity securities in financial institutions	1,757	1,690
Recurring [Member] \| Level I [Member]
Securities available for sale [Abstract]
U.S. agency securities	0	0
U.S. treasuries securities		0
Obligations of state and political subdivisions	0	0
Corporate obligations	0	0
Mortgage-backed securities in government sponsored entities	0	0
Equity securities in financial institutions	1,757	1,690
Recurring [Member] \| Level II [Member]
Securities available for sale [Abstract]
U.S. agency securities	164,102	150,885
U.S. treasuries securities		4,849
Obligations of state and political subdivisions	98,165	105,036
Corporate obligations	12,707	13,958
Mortgage-backed securities in government sponsored entities	23,899	29,728
Equity securities in financial institutions	0	0
Recurring [Member] \| Level III [Member]
Securities available for sale [Abstract]
U.S. agency securities	0	0
U.S. treasuries securities		0
Obligations of state and political subdivisions	0	0
Corporate obligations	0	0
Mortgage-backed securities in government sponsored entities	0	0
Equity securities in financial institutions	0	0
Nonrecurring [Member]
Fair value assets and liabilities measured on non-recurring basis [Abstract]
Impaired Loans	7,954	8,724
Other real estate owned	1,429	1,792
Nonrecurring [Member] \| Level I [Member]
Fair value assets and liabilities measured on non-recurring basis [Abstract]
Impaired Loans	0	0
Other real estate owned	0	0
Nonrecurring [Member] \| Level II [Member]
Fair value assets and liabilities measured on non-recurring basis [Abstract]
Impaired Loans	0	0
Other real estate owned	0	0
Nonrecurring [Member] \| Level III [Member]
Fair value assets and liabilities measured on non-recurring basis [Abstract]
Impaired Loans	7,954	8,724
Other real estate owned	$ 1,429	$ 1,792